Please read the policy carefully.
This is only a summary of our program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control. Please contact your agent if you have any questions.

The amount of benefits provided depends upon the plan selected. Premium is based on the travelers age and the trip cost. Rates are subject to change at any time.

You have a 14-day Free Look to review the policy after purchase.
You can purchase the plan at any time after 14 days of the initial trip booking but you will not be eligible for cancel for any reason, default of supplier and the pre-existing condition waiver. Other benefits will apply as per the terms and conditions of the policy.

Our Plans

Each policy is effective starting at 12:01 a.m. the day after the policy is purchased.

Policies may be canceled within 14 days of purchase. No cancellations or refunds are permitted once a policyholder’s trip has begun or once any claim is made. Cancelation periods may be longer and some policyholders may be eligible for pro-rata reimbursement in the event of cancellation, based on state of residence.

Benefits will be paid to a maximum as indicated below.
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  Bronze
Rates starting from $24		 Silver
Rates starting from $31		 Gold
Rates starting from $54
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Trip Cancellation 100% of trip cost 100% of trip cost 100% of trip cost
Trip Interruption 125% of trip cost 150% of trip cost 150% of trip cost
Airline Ticket Change Fee $200
(Certain Conditions Apply)		 $200
(Certain Conditions Apply)		 $200
(Certain Conditions Apply)
Terror Attack Coverage Covered Covered Covered
Trip Delay 3 or More Hours
(Bronze, 6 or More Hours)		 $500
($150/day)		 $750
($150/day)		 $1,000
($200/day)
Missed Connection $200 $750 $1,000
Single Occupancy Supplement Included Included Included
Baggage/Personal Effects $750 $1,000 $2,500
Baggage Delay
(12 hours or more)		 $250 $500 $500
Primary Emergency Accident and Sickness Medical Expense $50,000
Deductible: $0
$750 Dental Expense Only
 $100,000
Deductible: $0
$750 Dental Expense Only
 $250,000
Deductible: $0
$750 Dental Expense Only
Emergency Medical Evacuation and Medically Necessary Repatriation $250,000 $500,000 $1,000,000
Repatriation of Remains $250,000 $500,000 $1,000,000
Frequent Travel Loyalty $200 $200 $200
24/7 Emergency Travel Assistance Covered Covered Covered
Renters Collision Insurance Optional Upgrade
(See Below)		 Optional Upgrade
(See Below)		 Optional Upgrade
(See Below)
Pre-Existing Conditions Exclusion and Waiver 60 Day Look Back 14 Day Waiver
(Certain Conditions Apply)		 60 Day Look Back 14 Day Waiver
(Certain Conditions Apply)		 60 Day Look Back 14 Day Waiver
(Certain Conditions Apply)
Accidental Death and Dismemberment Principal Sum: $25,000 Principal Sum: $100,000 Principal Sum: $100,000
Full Policy Details Available
Optional Coverages Available
Cancel For Any Reason (CFAR)
(Not Available to Residents of New York)		 Up to 75% of non-refundable trip cost will be reimbursed. 100% of the non-refundable trip cost must be insured. Cancellation must be no less than 2 days prior to scheduled departure date and must be purchased within 14 days of initial trip payment or deposit. Up to 75% of non-refundable trip cost will be reimbursed. 100% of the non-refundable trip cost must be insured. Cancellation must be no less than 2 days prior to scheduled departure date and must be purchased within 14 days of initial trip payment or deposit. Up to 75% of non-refundable trip cost will be reimbursed. 100% of the non-refundable trip cost must be insured. Cancellation must be no less than 2 days prior to scheduled departure date and must be purchased within 14 days of initial trip payment or deposit.
Rental Car Collision (Excess/Secondary) $50,000 $50,000 $50,000
A D & D - Air Only
$300,000 or $500,000		 Available Available Available

John Hancock Insurance Agency, Inc., is a Delaware domiciled corporation with its principal place of business at 197 Clarendon St. Boston, MA. (California license number OH37453). The policies described herein are underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318; TX license number 93542) with its principal place of business at 399 Park Avenue, 8th Floor, New York, NY 10022.

Travel insurance provides emergency assistance services should you need help while you travel. Travel insurance covers: unexpected costs such as having to cancel or interrupt your trip due to unexpected reasons, such as illness of you, a family member, or a travel companion, severe weather, missed connections, strikes, default of travel supplier and other unexpected events that may arise before or during your trip. Plans include trip cancellation and interruption, accident and sickness with assistance services, medical repatriation, baggage coverage, accident insurance, travel accident insurance and many other benefits.

This is only a brief description of the coverage(s) available under policy LT007. The policy will contain reductions, limitations, exclusions, and termination provisions. Full details of the coverage are contained in the policy. Please read the policy carefully to fully understand the coverages, terms, conditions, limits and exclusions. If there are any conflicts or discrepancies between this document and the policy or if any point is not covered in this document, the terms and conditions of the policy shall govern. Not all plans or coverages are available in every state. Please contact 1-866-888-7803 if you have any questions.