john hancock annual travel insurance

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Information about COVID-19 coverage

John Hancock Insurance Agency, Inc. has provided Coronavirus (COVID-19) Travel Insurance FAQs for information about coverage.

Travel is more fun when there's less to worry about.

Why buy travel insurance.

Make sure travel insurance is part of planning your trip. Travel insurance is designed to cover sudden and unexpected events that may arise before or during your trip. This insurance is ideal to include with your cruise, domestic and international travel plans.

Cancellations and interruptions

If you had to cancel your trip at the last minute, how much money would you lose? This insurance provides reimbursement if you need to cancel or interrupt your trip for a covered reason, such as the unexpected illness of you or a family member, severe weather, or job loss. Travel insurance covers missed connections, trip delays and additional transportation costs to return home.

Baggage and personal effects

This coverage provides reimbursement for covered expenses if your baggage or personal effects are delayed, lost, stolen or damaged while on your covered trip.

Emergency medical & 24/7 assistance

Our travel insurance plans include Primary Emergency Accident and Emergency Sickness expense coverage as well as Emergency Medical Evacuation and Medically Necessary Repatriation when arranged by our multilingual 24/7 assistance.

Find out how much travel insurance from John Hancock Ins. Agency costs

Trip details, traveler info.

All travelers must reside in the same US state to share a policy

If you have more than 9 travelers, please contact customer service for assistance.

Starr Indemnity & Liability company, New York, NY is the underwriter/insurer obligated to the insured. This product is distributed by John Hancock Insurance Agency, Inc. which acts only as an agency/distributor and is not the underwriter/insurer obligated to the insured for the benefits provided by this product. John Hancock Insurance Agency, Inc. is a subsidiary of Manulife.

Cover travel disruptions including change fees, delays, or missed connections, with worldwide assistance to help you reach your destination.

Lost or damaged property

Whether you're dealing with delayed bags, damaged luggage or a stolen phone, cover the cost of replacing your possessions.

Emergency medical assistance

Access 24/7 sickness or accident benefits plus up to $1 million for emergency medical evacuation.

Packed with benefits

John Hancock Insurance Agency - Recognized by Forbes Advisor for 'Best Plan for Seniors' 5/5 Stars . "John Hancock's Gold plan has the top-notch medical evacuation limits you might want, and you don't have to wait a long time for travel delay benefits to kick in."

Enjoy a full spectrum of benefits designed specifically for travelers.

• 24/7 Assistance
• Trip Cancellation
• Trip Interruption
• Airline Ticket Change Fee
• Terror Attack Coverage
• Missed Connection
• Baggage/Personal Effects
• Emergency Accident & Sickness Medical (Primary)
• Pre-ex Waiver (conditions apply)
• Emergency Medical Evacuation

(See your state policy for full details including benefits, exclusions and limitations).

Don't wait! Purchase your plan within 14 days of booking your trip for the best coverage options. Most states allow a 14 day full refund, or partial refund, of premium, if this policy isn't right for you.

File a claim

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John Hancock Travel Insurance Review: Is It Worth the Cost?

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Table of Contents

What does John Hancock travel insurance cover?

John hancock travel insurance cost and inclusions, what isn’t covered by john hancock insurance, which john hancock plan is right for me, how to choose a john hancock plan online, who should get a john hancock travel insurance policy.

Travel insurance protects you when you’re away from home. Different types of travel insurance provide varying levels of coverage, but can often include emergency medical insurance, trip cancellation protection, rental car insurance and more. 

There are plenty of different companies willing to sell you policies, but which ones are good? Let’s take a look at John Hancock travel insurance, the types of plans it offers and how much it’ll cost you to purchase. 

John Hancock offers three different plans for travelers depending on their needs: Gold, Silver and Bronze. As you’d expect, the Gold level comes with the most coverage and the highest price, while the Bronze level costs the least. 

Each level offers coverage in the case of trip mishaps, such as cancellations or interruptions, as well as emergency medical card and evacuation. However, the value of these coverages varies from plan to plan.

» Learn more: The best travel insurance companies

To do a consistent John Hancock travel insurance review across the three plans, we input a search for a 37-year-old from Colorado traveling to Australia for two weeks on a $4,000 trip. 

The Gold plan provides the greatest benefits, including a much higher limit for emergency medical and lost baggage reimbursement. Other than that, however, the Silver level is fairly similar, enjoying the same 150% reimbursement rate for trip interruption and a three-hour window for trip delay to kick in. 

The Bronze level is the least expensive, but it’s not all that far off from the cost of the Silver level. At this rate, you’ll be looking at far less coverage for emergency medical and trip delay, though you’ll still have $200 in coverage for change fees and 100% of costs incurred for trip cancellation .

» Learn more: How much is travel insurance?

Additional options and add-ons

John Hancock travel insurance also allows you to add more coverage.

There are just three add-ons from which to choose if you’re looking to upgrade your plan. The first is Cancel For Any Reason insurance (CFAR) . As it sounds, CFAR allows you to cancel your trip without needing to have a covered reason. 

With John Hancock, you’ll need to pay an additional 50% of your plan cost to get this insurance. There are restrictions: You have to sign up for this within two weeks after buying insurance, and it’ll only cover 75% of your costs.

You can also choose to add accidental death and dismemberment coverage, which is only valid for air travel. Rental car insurance is your final option, but be aware that this policy is secondary, so it'll only pay out after other insurance coverage has been exhausted. 

Nerdy tip : Travel credit cards such as the Chase Sapphire Preferred® Card provide complimentary primary rental car insurance as long as you use the card to pay for your rental. 

» Learn more: The best travel credit cards right now

Finally, when it comes to John Hancock travel medical insurance reviews and John Hancock travel insurance customer reviews, there's good news: Insurance aggregator Squaremouth gives John Hancock a rating of 4.2 out of 5, with over 1,100 reviews since 2012.

Depending on the policy you purchase, certain exclusions may apply. This is true whether you use John Hancock or another travel insurance company. Generally speaking, you shouldn’t expect coverage for things such as intentional acts of harm, high-risk activities and other designated events. 

Note that while some policies will exclude acts of terrorism, John Hancock insurance specifically provides coverage for these. Regardless, check the fine print to ensure you’re getting the coverage you need. 

» Learn more: Is there travel insurance that covers COVID quarantine?

You'll want to consider several factors as you shop your John Hancock travel insurance options. However, here are some suggestions to point you in a particular direction:

If you’re going on a simple return trip: the Bronze plan might be enough.

If you’ll be going on multiple and longer trips: Consider the Silver or Gold plans, which offer significantly more health coverage.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage.

If John Hancock travel insurance seems up your alley, it’s pretty easy to purchase a policy online. First, you’ll need to navigate to the John Hancock Insurance Agency website .

From there, you’ll be able to fill out the personal details required to generate a quote.

» Learn more: Common myths about travel insurance and what it covers

Travel insurance can be a good option for those worried about incidents while they’re out of town. Purchasing a policy can provide peace of mind and coverage in the event that your travel plans go awry, whether you’ve simply been delayed or you’re suffering from a medical emergency.

John Hancock’s travel insurance policies are some of the better options out there, allowing you to choose from three different plans to suit your travel needs. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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John hancock travel insurance now available through travelinsurance.com.

TSX/NYSE/PSE: MFC     SEHK: 945

BOSTON , Dec. 5, 2019 /CNW/ - John Hancock Insurance Agency, Inc. is now distributing travel insurance through TravelInsurance.com , a popular travel insurance comparison website. TravelInsurance.com helps simplify travel insurance by providing consumers with an easy way to compare and buy policies online from top-rated providers.

"At John Hancock , we're committed to help make our customers' decisions easier and their lives better; and when it comes to travel insurance, it's important to be prepared for the unexpected mishaps that can arise. That's why we're thrilled to offer our travel insurance products through TravelInsurance.com," said Rob Iafrate , AVP, Travel Insurance. "Reaching customers through new aggregator partnerships that simplify the purchase experience is one way we plan to achieve growth in our travel insurance business and offer top-tier trip protection products and services."

John Hancock's coverage will be available on TravelInsurance.com in three tiers: Bronze, Silver and Gold, to match customers' needs and budgets. The policies offer trip cancellation, trip interruption, medical, accident, and baggage protection with extensive, worldwide 24-hour multilingual emergency services. The policies also come with a 14-day free look period after purchase.

"Travel insurance has become a must-have for a wide range of travel plans, from family visits over the holidays to dream European vacations," said Stan Sandberg , co-founder of TravelInsurance.com. "We are excited to add John Hancock's products to TravelInsurance.com, giving our customers access to a leading brand with a set of products that can meet our customers' needs."

Plans and products distributed by John Hancock Insurance Agency, Inc. are underwritten by Starr Indemnity & Liability Company. Learn more about John Hancock Travel insurance at www.johnhancocktravel.com .

About John Hancock Insurance Agency John Hancock Insurance Agency is a distributor of travel insurance products underwritten by Starr Indemnity & Liability Company. John Hancock Insurance Agency is a subsidiary of Manulife.

About John Hancock and Manulife John Hancock is a unit of Manulife Financial Corporation, a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States , and Manulife globally, including Canada , Asia and Europe . We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions. Assets under management and administration by Manulife and its subsidiaries were over CAD$1.2 trillion (US$$881 billion) as of September 30, 2019 . Manulife Financial Corporation trades as MFC on the TSX, NYSE, and PSE, and under 945 on the SEHK. Manulife can be found at manulife.com.

One of the largest life insurers in the United States , John Hancock supports approximately 10 million Americans with a broad range of financial products, including life insurance, annuities, investments, 401(k) plans and college savings plans. Additional information about John Hancock may be found at johnhancock.com.

About Starr Starr Insurance Companies (or Starr) is a marketing name for the operating insurance and travel assistance companies and subsidiaries of Starr International Company, Inc. and for the investment business of C.V. Starr & Co., Inc. and its subsidiaries. Starr is a leading insurance and investment organization with a presence on six continents; through its operating insurance companies, Starr provides property, casualty, and accident and health insurance products as well as a range of specialty coverages including aviation, marine, energy and excess casualty insurance. Starr's insurance company subsidiaries domiciled in the U.S., Bermuda , China , Hong Kong , Singapore and U.K. each have an A.M. Best rating of "A" (Excellent). Starr's Lloyd's syndicate has a Standard & Poor's rating of "A+" (Strong).

About TravelInsurance.com TravelInsurance.com helps simplify the complicated world of travel insurance by providing consumers with the easiest way to compare and buy trip insurance coverage online. A member company of the U.S. Travel Insurance Association, owned and operated by DigiVentures Holdings, LLC, a licensed agency that works with some of the largest travel insurers in the industry. Purchases can be made directly through the website, with policies sent via email within minutes.

SOURCE John Hancock Insurance

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John Hancock Travel Insurance Review

John Hancock

• All three plans offer recommend levels of emergency medical and evacuation coverage
• Helpful customer service reps
• Parents must purchase a separate policy for kids
• No coverage for extreme activities
• Allianz Global Assistance
• Travelex Insurance Services

How We Reviewed John Hancock Travel Insurance

8 hours of research

3 plans evaluated

2 competitors compared

Travel insurance provides peace of mind in case of illness, severe weather, trip cancellation, missed connections, lost luggage, and other unexpected events that may arise while traveling. 

John Hancock has provided insurance to millions of people since 1862 and offers three tiers of travel insurance –bronze, silver and gold, each loaded with great benefits and services. The company’s travel insurance has comprehensive coverage limits, versatile add-ons and few coverage exclusions. 

John Hancock representatives are available 24/7 to help with any emergency you may have while away from your home. In our John Hancock travel insurance review, we will go deeper into the company’s customer experience, its strong industry presence and the rock-solid financial history that backs its policies.

• In business since: 1862
• AM Best financial strength rating: A+
• Policy types: Bronze, Silver, Gold

Bronze Plan

• Rates starting from $24
• Trip cancellation: 100% of trip cost
• Trip interruption: 125% of trip cost
• Deductible: $0 or $750 Dental Expense Only
• Evacuation and repatriation: $250,000
• Baggage loss and theft: $750
• Number of activities covered: 11

Silver Plan

• Rates starting from $31
• Trip interruption: 150% of trip cost
• Evacuation and repatriation: $500,000
• Baggage loss and theft: $1,000
• Rates starting from $54
• Emergency Medical Insurance: $250,000
• Evacuation and repatriation: $1,000,000
• Baggage loss and theft: $2,500

The Bottom Line

Underwritten by Starr Indemnity & Liability Company, John Hancock travel insurance plans are some of the best in the industry. The three tiers of travel insurance provide emergency assistance services should you need help while traveling. 

John Hancock travel insurance plans cover most unexpected costs such as illness of you, a family member, or a travel companion, cancellation or interruption of your trip due to unexpected reasons, missed connections, severe weather, strikes, baggage coverage, accident and sickness with assistance services, medical repatriation, and many other benefits. 

Pricing is competitive and coverage is comprehensive. There are a few exclusions, but none that stand out as unreasonable, except that each child must also have separate coverage and extreme activities like scuba diving and hang gliding are not covered.

The Competition

John hancock vs. allianz.

Both John Hancock and Allianz offer excellent customer service and earn high marks for pricing and comprehensive plans. Allianz offers nine plans and coverage for long trips. And, unlike John Hancock, it has free coverage for kids on trips over six months. John Hancock only offers three plans, but its add-on coverages are a bit more flexible than Allianz. 

Allianz will insure a trip up to one year, which is great for students studying abroad or long vacation plans. John Hancock doesn’t offer that feature. But, John Hancock will allow trip-goers to cancel for any reason (for an extra charge), whereas Allianz doesn’t offer that key advantage.

John Hancock vs. Travelex Insurance Services

Both John Hancock and Travelex boast strong financial strength. John Hancock offers three plans and Travelex offers two. However, unlike John Hancock, Travelex covers children for free. Both have great customer service with comprehensive coverage and upgrade options. Travelex also offers coverage for extreme adventures, whereas John Hancock does not. And, where John Hancock is best for solo travelers, Travelex is best for families. 

John Hancock has a pretty straight-forward contract that’s easy to understand. Travelex’ contract seems a bit more complicated. And, while price with both insurance carriers depends on a number of variables, John Hancock typically wins for pricing when compared to Travelex.

John Hancock Travel Insurance FAQ

Does john hancock cover trip cancellation.

Yes. All three John Hancock plans–Bronze, Silver and Gold–will cover trip cancellation up to 100% of the cost of the trip. Also, John Hancock provides the option of Cancel For Any Reason (CFAR), although this add-on is not available to residents of New York. With this coverage, if you must cancel your trip for any reason, you can receive up to 75% of non-refundable trip cost. Cancellation must be purchased within 14 days of your trip deposit or payment .

How much is John Hancock’s travel insurance?

John Hancock offers three plans. The Bronze plan has rates starting from $24.00. The Silver plan has rates starting from $31.00, and the Gold plan has rates starting from $54.00. Each plan has the opportunity to add-on CFAR coverage, rental car collision coverage, and added coverage for accidental death and dismemberment (over and above plan limits).

About the Authors

Kathryn Pomroy Contributing Writer

Kathryn Pomroy is a writer for Reviews.com. Over the last 15 years, she has covered many topics for Reviews.com including home and auto insurance, insurance claims, among others. She has been featured on finder.com, Intuit, SimpleRate, Credible, and more. Kathryn holds a degree in Journalism. Her favorite review on the Reviews.com site is Does Homeowner’s Insurance Cover High-rise Condos?

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Get a quote today., john hancock travel insurance: plans, reputation, and services.

Established in 1862, John Hancock is a well-known life insurance carrier that also distributes travel insurance through industry partners.

John Hancock travel insurance policies are underwritten by the Starr Indemnity & Liability Company and administered by Indiana-based Seven Corners Inc.

The corporation focuses on offering comprehensive single-trip coverage for families, students, solo travelers, and business people.

While John Hancock doesn’t have a flashy website or mobile app, the company offers generous coverage limits, flexible add-ons, and few exclusions compared to other carriers.

For these reasons, John Hancock travel insurance reviews are favorable, and the company has few registered complaints from customers.

Additionally, John Hancock has strong financial ratings and a long-standing reputation in the industry.

John Hancock Travel Insurance Coverage & Plans

Named after one of the nation’s founding fathers, John Hancock is a leading insurer with over 150 years of industry experience.

Although the company primarily focuses on life insurance and annuities, it also offers travel insurance through industry partners.

John Hancock travel insurance includes a three-tiered suite of products and riders, including coverage for travel interruptions, trip cancellations, emergency medical care, accidental death, and lost baggage.

Plans are listed as bronze, silver, and gold according to their coverage limits.

John Hancock Travel Insurance Bronze Plan

• Bronze-level plans are suitable for economy travelers and families, offering reasonably priced basic coverage that meets visa requirements.
• The plan reimburses travelers for up to 100 percent of their trip cancellation costs or up to 125 percent of trip interruption costs with a $12,500 maximum.
• Add-ons for voluntary cancellations and rental car collisions allow policyholders to beef up their coverage without spending too much.

John Hancock Travel Insurance Silver Plan

• For a moderate increase in premiums, silver plans include substantially higher limits for most expenses, such as missed connections, baggage delays, emergency medical care, and accidental death.
• The plan covers 100 percent of the trip’s cancellation cost and up to 150 percent of the trip’s cost for travel interruptions on itineraries up to 90 days.

John Hancock Travel Insurance Gold Plan

• John Hancock’s gold plan offers the highest coverage limits, including $1 million in medical evacuation coverage and up to $2,500 for baggage and personal effects.
• Gold plans are suitable for business travelers and families who are traveling with valuable possessions or visiting high-risk countries.
• Policyholders may recoup up to 100 percent of the trip’s cost for cancellation and up to 150 percent in travel interruption expenses up to $150,000.

Ideal for single trips, John Hancock travel insurance plans from each tier can be customized according to the travelers’ coverage requirements.

Children under 18 are subject to an additional premium based on their travel costs.

However, the company’s plans have few exclusions, and they can be supplemented with various flat-rate riders.

The following chart shows the coverage that’s included with each plan.

Unless otherwise noted, limits apply to bronze, silver, and gold packages, respectively and some coverages may vary by state.

John Hancock trip insurance offers three optional add-ons at each level.

These include:

Rental Car Collision Coverage

• The optional rental car collision rider provides $50,000 in coverage for $9 per day with a $0 deductible.
• It offers supplemental or excess coverage for accidents, damage, vandalism, or theft.

Air-Only Accidental Death and Dismemberment Coverage (AD&D)

• Additional air-only AD&D coverage of $300,000 or $500,000 is available for a flat rate of $19 or $27, regardless of the destination or trip’s duration.

Cancel-For-Any-Reason (CFAR) Provision

• John Hancock’s CFAR rider lets travelers recoup up to 75 percent of their insured travel costs if they cancel their plans at least 48 hours before departure.

Pre-existing medical conditions are generally subject to a 180-day look-back period, but this can be reduced to 60 days with an endorsement.

Additionally, John Hancock uniformly excludes injuries related to contact sports and inherently dangerous activities, such as skydiving, parachuting, bungee jumping, scuba diving, and mountain climbing.

If you plan on engaging in these recreational activities during your travels, review the terms before you select a plan.

John Hancock Travel Insurance Costs

As a rule of thumb, travel insurance premiums equal four to eight percent of the total cost of your trip according to the National Association of Insurance Commissioners.

Additionally, rates vary depending on the length of your stay, which countries you’re visiting, and your age.

For example, to secure a visa for long-term stays, travel insurance is required by many countries.

From the perspective of an insurance company, more extended stays may increase the likelihood of your filing a claim.

Additionally, some countries are more dangerous than others due to tropical illnesses or political instability.

Also, older travelers might be more likely to require medical care, which could increase your premiums.

Finally, due to local insurance regulations, rates may vary depending on your state of residence.

Premiums for John Hancock travel insurance start at $24, $31, and $54 for bronze, silver, and gold packages, respectively.

This is based on a short-term, low-cost domestic trip.

Additional charges apply for children based on their itinerary’s cost.

You will also pay more if you choose a plan that lets you cancel for any reason or if you decide to purchase a rider for rental car accidents and other incidentals.

To request a personalized quote based on your specific travel plans, use the John Hancock Travel website, or call the company directly.

In case your plans change, John Hancock lets you cancel your policy within 14 days of your purchase as long as your trip hasn’t started and you haven’t filed a claim.

Written notice might be required in some areas.

The free-look option is not available to residents of Florida, Massachusetts, New York, Oklahoma, Texas, or Virginia.

Additionally, rules regarding full and prorated refunds may vary depending on your state, so make sure to read the fine print before you purchase travel insurance from John Hancock or any other company.

John Hancock Travel Insurance Reviews & Reputation

Both John Hancock Travel and its underwriter, the Starr Indemnity & Liability Company, have a positive reputation based on favorable customer reviews and a low number of complaints.

According to the National Association of Insurance Commissioners, John Hancock had just 20 closed complaints in 2018 and seven in 2017, with more than $700 million in direct premiums written annually.

Likewise, its underwriter, the Starr Indemnity & Liability Company, had 11 closed complaints in 2018 and 13 in 2017, although travel insurance represents a small portion of its accident and health division.

John Hancock travel insurance reviews from TrustPilot show that the company has an excellent reputation, which has earned it a TrustScore of 7.4.

Current and previous policyholders were happy with the claims process as well as the outcomes.

Likewise, Seven Corners, who administers John Hancock’s travel insurance, has an A+ rating from the Better Business Bureau (BBB) and the company has responded to all seven complaints within the past 12 months.

Customer Assistance Services

All John Hancock trip insurance policies include 24/7 emergency travel assistance starting at the bronze level.

Multilingual customer service is available by phone using the company’s toll-free hotline, provided by Seven Corners’ customer service representatives.

The company’s call center agents are knowledgeable, courteous, and helpful when answering general questions or addressing emergencies, according to John Hancock travel insurance reviews.

Before departure, customers may use the company’s basic, self-service website to request a quote, compare plans, or purchase travel insurance.

In the event of an incident, the site also includes necessary claims documents for each type of coverage, including trip protection, baggage, medical, and rental car collision.

Completed forms may be submitted by mail, email, or fax.

They can also be uploaded online through the Seven Corners customer portal.

Should you need assistance during your trip due to a medical emergency or travel delay, agents can arrange local services or provide general travel information, such as currency exchange rates, local weather forecasts, and entry requirements related to visas and vaccinations.

Agents can also recommend interpreters, contact regional embassies, or assist with the passport recovery process.

In addition, customer service representatives can help you locate nearby medical facilities, arrange medical transportation, or guarantee payment when required for hospital admission.

These services are available around the clock no matter where you’re traveling.

John Hancock Travel Insurance Financial Stability

When comparing insurance companies, financial stability is one of the most important considerations after policy selection and coverage limits.

A strong rating shows that the company is collecting adequate premiums to meet all financial obligations and to pay claims promptly.

In the insurance industry, several independent rating agencies assess the financial fitness of underwriters.

All John Hancock travel insurance policies are administered by Seven Corners Inc. and underwritten by the Starr Indemnity & Liability Company.

Starr has been in the insurance business since 1919 and was incorporated in 1950.

According to financial analysts with A.M. Best, the Starr Indemnity & Liability Company has an excellent ability to meet ongoing insurance obligations, which has earned it the agency’s second-highest rating of A.

Phone Number & Contact Information

Best alternatives to john hancock travel insurance.

Not satisfied with what John Hancock has to offer? These companies provide great travel insurance alternatives:

Additional Providers

There are several other travel insurance providers that deserve consideration as well which you can see in our Best Travel Insurance Companies article.

These companies didn’t make our list of top providers but we have created some more detailed reviews  that you can view below:

• Allianz Travel Insurance Review
• Aon Travel Insurance Review
• Carnival Travel Insurance Review
• Chubb Travel Insurance Review
• CSA Travel Insurance Review
• Expedia Travel Insurance Review
• Hotwire Travel Insurance Review
• IMG Travel Insurance Review
• InsureMyTrip Travel Insurance Review
• JetBlue Travel Insurance Review
• John Hancock Travel Insurance Review
• Medjet Medical Transport Insurance Review
• Orbitz Travel Insurance Review
• Patriot Travel Insurance Review
• Priceline Travel Insurance Review
• Progressive Travel Insurance Review
• Red Sky Travel Insurance Review
• Ripcord Travel Insurance Review
• Travel Insured International
• Travelex Travel Insurance Review
• USAA Travel Insurance Review
• USI Affinity Travel Insurance Review 
• World Nomads Travel Insurance Review

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• John Hancock Insurance Agency, Inc.

John Hancock Insurance Agency, Inc. Plans and Reviews

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John Hancock Ins. Agency has been featured by NerdWallet as a solid choice for travel insurance in 2023.

NerdWallet recognized John Hancock for its three tiers of coverage, with Bronze, Silver, and Gold plans to choose from, and its simple add-on options, including Cancel For Any Reason, Accidental Death & Dismemberment coverage, and rental car insurance.

“John Hancock’s travel insurance policies are some of the better options out there, allowing you to choose from three different plans to suit your travel needs.”

• Customer Reviews
• Contact Information

Why Choose John Hancock Insurance Agency, Inc. for Travel Insurance

Notable Features

• All policies hold an AM Best’s Rating of A (Excellent)
• Up to $1,000,000 in Medical Evacuation coverage
• 14-day Money Back Guarantee period across all plans

John Hancock Insurance Agency, Inc is one of the most reputable and experienced insurance providers in the nation. They currently offer travelers three plans, named Bronze, Silver and Gold, that provide ranging levels of protection against cancellations, delays, medical emergencies, and other common travel disruptions.

All of John Hancock Insurance Agency’s plans offer at least $50,000 in Emergency Medical coverage and at least $250,000 in Medical Evacuation coverage. These limits meet Squaremouth’s recommendations for international trips. Their coverage limits for other benefits are competitive within the industry, and they’re among the most popular providers for Cancel For Any Reason plans.

John Hancock Insurance Agency is rated well among its customers on Squaremouth, with only 0.2% of verified customers leaving a negative review. Customers specifically rate the providers pre-trip customer service highly, giving John Hancock Insurance Agency 4.5 stars out of 5.

This provider summary was written internally by a Squaremouth policy expert.

About John Hancock Insurance Agency, Inc.

John Hancock Insurance Agency, Inc. is a subsidiary of Manulife Financial Corporation, a leading North American-based financial services group serving millions of customers in 22 countries and territories worldwide. All travel insurance plans distributed by John Hancock Insurance Agency are underwritten by Starr Indemnity & Liability Company. John Hancock Insurance Agency, Inc. acts only as an agency/distributor and is not the underwriter/insurer obligated to the policyholder for the benefits provided by this product.

Our wide-ranging trip protection plans cover you and your family for domestic and international destinations and cruise trips. These Plans provide 24/7 multilingual assistance and insurance benefits to protect your financial investment and reimburse unforeseen covered expenses while you travel. We offer three plans to suit your insurance needs and our emergency medical plans are primary coverage. You may purchase an optional Cancel for any Reason Coverage, if eligible, for extra cancellation coverage for any reason up to 48 hours prior to departure. Please see the policy for full coverage details. Customer service and claims support is available 24/7.

Bronze – a basic plan with comprehensive coverage. Lower coverage limits than our other two plans with our lowest premiums.

Silver – a competitive plan that offers increased benefits over the Bronze Plan for items such as missed connection, baggage and emergency medical expenses and emergency medical evacuation.

Gold – our deluxe plan with the highest coverage limits of the three plans we offer. This plan includes Emergency Medical Evacuation up to $1,000,000 and includes trip cancellation and interruption, baggage loss and delay benefits, accidental death and dismemberment and missed connection coverage. Please see the policy for coverage details.

Trust John Hancock Insurance Agency for your travel insurance needs. You may be glad you did.

• 5 stars 769
• 4 stars 256
• 3 stars 128
• 1 star   81

63,338 policies sold

0.2% negative reviews

0.2% (135) negative reviews to sales Average on Squaremouth is 0.2%

Policies Offered by John Hancock Insurance Agency, Inc.

Policy Description:

A basic plan with comprehensive coverage. Lower coverage limits than our other two plans with our lowest premiums.

Underwritten By: Starr Indemnity & Liability Company

Underwritten Location: 399 Park Avenue, New York, NY 10022

AM Best #: 013853

AM Best Rating: A (Excellent)

Policy Detail

A competitive plan that offers increased benefits over the Bronze Plan.

Our deluxe plan with the highest coverage limits of the three plans we offer.

Verified Customer Reviews

• 1,320 Reviews Since 2012

John Hancock/Sedgwick Claim services are denying my claim because I do not have a completed medical authorization form and receipts for payment. The acccident happened in Bolivia and we had to pay the bills in cash so the only receipts we have are cash receipts.

The processing company for Sedwick says we have to talk to John Hancock and when I call John Hancock they say we have to talk to Sedwick who processes their claim. So no one wants to take responsibility to help me get reimbursed for medical expenses due to an acccident in Bolivia for which I purchased travel insurance for.

You can be sure that I will not purchase travel insurance from John Hancock again and we travel to Bolivia 3 times a year.

Friendly and helpful staff

After vigorous research, I thought that the John Hancock Silver policy was the best deal. Thankfully i did not have to use it.

All reviews are from John Hancock Ins Agency customers

Contact Information for John Hancock Insurance Agency, Inc.

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John Hancock Travel Insurance Review (2024)

John Hancock Travel Insurance has a variety of offerings to protect your travel plans.

from John Hancock via Squaremouth.com

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Travel insurance plans are designed to help you recoup financial losses because of trip cancellations and travel delays. When you buy travel insurance for medical coverage, you’ll know that you can get part or all of your money back if any unforeseen health issues or injuries cause you to cancel your plans.

We at the MarketWatch Guides Team have analyzed travel insurance products and companies to help you choose the best coverage for you. John Hancock Insurance Agency, Inc. is our pick for travel delay coverage. Find out why below.

• Average Cost: $225
• BBB Rating: A+
• AM Best Score: A+
• Medical Expense Max: $250,000
• Emergency Evacuation Max: $1,000,000

Our Take on John Hancock Travel Insurance

John Hancock is a well-established financial services company. It has more than 160 years of experience. It’s a subsidiary of Manulife, and its underwriter is Starr Indemnity & Liability. Three travel insurance plans — Gold, Silver and Bronze — offer various travel insurance coverages to suit personal circumstances and budgets.

In terms of traveler ages, older customers or those with pre-existing conditions appreciate the good emergency medical evacuation coverage. Travel delay and trip interruption coverage also rank as standouts compared with other insurance companies.

Overall, John Hancock travel insurance policies earned 4.5 out of 5 stars based on our review standards.

Pros and Cons of John Hancock Travel Policies

Compare john hancock to the competition.

Use the table below to compare John Hancock to other top-rated travel insurance companies

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Does John Hancock Travel Insurance Cover?

John Hancock has basic travel and international medical insurance through its Bronze Plan, which features benefits that compare favorably to other insurers. The Bronze Plan is marketed as a cost-effective option for international and domestic travelers, with coverage provided for trip costs before and during vacations.

The travel insurance coverage limits offered by the Bronze Plan are:

• 100% of trip cancellation costs
• 125% of trip interruption costs
• $500 (or $150 per day) for trip delay costs such as meals and accommodation
• $200 for missed flight connection costs, including nonrefundable trip payments
• $200 airline ticket change fee
• $750 baggage and personal effects reimbursement
• $250 baggage delay reimbursement for delays of more than 12 hours
• $50,000 emergency accident and sickness medical expenses with $0 deductible
• $250,000 emergency medical evacuation and medically necessary repatriation
• $250,000 repatriation of remains
• Pre-existing medical condition exclusions and waiver subject to conditions
• Terror attack coverage
• Single-occupancy supplement

John Hancock travel insurance offers better coverage with its Silver Plan and Gold Plan.

• Silver Plan : Trip interruption costs for covered reasons rise to 150% of prepaid costs under this plan. Other benefits include $100,000 for emergency medical expenses and $500 for baggage delays.
• Gold Plan: If you’re looking for a higher level of medical coverage, this premium plan provides $1,000,000 for medical evacuation and $250,000 for emergency medical expenses.

Optional Riders

Add-ons, known as riders, are extra insurance protection for your policy. John Hancock sells this optional trip insurance that’s available with all its plans. Among the added protections are:

• Trip cancellation for any reason: When a cancellation comes no less than two days prior to the departure date, CFAR reimburses up to 75% of nonrefundable trip costs. However, it’s not available to residents of New York state.
• Rental car collision : This reimburses policyholders for the cost of repairs caused by damage to a rental car within the limits of covered reasons. Excess/secondary benefits are $50,000.
• Accidental death and dismemberment (air only) : $300,000 or $500,000 coverage limits are available.

Policies Offered

To assist you in comparing travel insurance policies offered by John Hancock, the chart below displays the coverage limits and plan details.

How Much Does John Hancock Travel Insurance Cost?

The cost of travel insurance depends on a range of factors. These include the destination you’re traveling to, your age, the length of your trip and the insurer. John Hancock’s plans compare well against policies from other insurance providers. To help you determine the costs, we gathered sample prices from John Hancock’s website.

Read More: Travel Medical Insurance For Travelers Visiting The United States

Does John Hancock Offer 24/7 Travel Assistance?

John Hancock offers 24/7 emergency travel assistance with every plan, including coordinating medical evacuation services. Assistance services provide concierge benefits, such as restaurant recommendations and translation services.

John Hancock Customer Reviews

John Hancock travel insurance is rated 4.2 out of 5 stars from more than 1,200 reviews on Squaremouth , a travel insurance comparison provider. Satisfied customers report that the claims process is simple and issues are quickly resolved. Among negative reviews, customers mention some difficulty using the website to file claims.

Below are some examples of positive and negative company reviews on Squaremouth.

“ We had to cancel our trip because of an injury that required surgery and rehab. We were able to take care of our refund request all online… We submitted it on Saturday, [and it] was approved after a few days. Received a check a week after that. It was a surprisingly easy process. We will use John Hancock as a travel insurance provider in the future.” — Arthur via Squaremouth “I filed a claim for a trip delay and received full reimbursement for my claim. The process was completed within two weeks. I give it 4 stars because I found the website to be clumsy and difficult to navigate. I ended up calling in my claim and mailing in my documentation. Otherwise, I was pleasantly surprised after reading reviews about various insurance companies… The people I spoke to on the phone at John Hancock were very professional, sympathetic and polite. Actually bought another policy from them for an upcoming trip.” — Marilyn via Squaremouth “My claim was finalized to my satisfaction, but there are opportunities for process improvements. The portal does not always work, and it does not accurately reflect what is in the works, and there was no communication that my claim was finalized-I just got my check. I had a great claims specialist who was good with return calls/emails, but once my claim was escalated there was no communication.” — DP via Squaremouth

How to File a Claim with John Hancock

Travelers can file a claim with John Hancock through the company’s website or through its customer service department , depending on your policy. Have supporting documentation for your claim. For example, if you need to cancel your trip because of an illness or injury, you’ll need a statement from a physician and proof of payment for the claimed expenses. Contact the Claims Customer Service Department at 866-888-7803.

Is John Hancock A Good Choice For Travel Insurance?

John Hancock sells three travel insurance policies to appeal to a variety of travelers. The basic Bronze Plan is cost-effective, the Silver Plan is more comprehensive for a small increase in cost, and the Gold Plan is a good choice if you require excellent medical coverage. Each policy provides good coverage amounts, however, the trip delay coverage is especially competitive when compared with policies from other travel insurance providers.

All three plans feature a high level of emergency assistance, with 24/7 access to travel support teams. A choice of optional upgrades offers expanded coverage depending on your requirements, including coverage for any reason (CFAR) and reimbursements for repairs because of a rental car collision. No matter which policy you choose, John Hancock travel insurance is good for travelers looking for peace of mind, especially regarding coverage for trip delays and medical expenses.

Frequently Asked Questions About John Hancock Travel Insurance

How does john hancock travel insurance work.

John Hancock travel insurance reimburses you for prepaid or nonrefundable trip costs in the event of cancellations or travel delays covered by your policy. Medical insurance is a safeguard for unforeseen medical emergencies that may result in significant costs.

Choose one of three plans (Bronze, Silver or Gold) to fit your budget and coverage needs. Policy upgrades are available and 24/7 support team assistance is offered with all plans.

How do I file a claim with John Hancock travel insurance?

File a claim with John Hancock travel insurance via the website or call the Claims Customer Service Department at 866-888-7803. A support team can help with questions about submitting claim forms.

You’ll need reports, receipts or other documents to support your claim. Reference guides are provided to help you gather the correct information. Choose from a variety of forms to suit different claims, including trip cancellation, baggage claims, medical expenses and rental car claims.

How much does John Hancock travel insurance cost?

The cost of John Hancock travel insurance depends primarily on your age, the trip cost, destination and duration, and policy upgrades you might require. Based on sample quotes we obtained for a $1,500 trip to Mexico for eight days, it would cost $63 to insure a  40-year-old person under the basic Bronze plan.

Request a free quote from the John Hancock website to check rates and compare policies to find the right one for you. You’ll be required to provide your age, state of residence, destination, trip cost and travel dates.

What is the best plan for international travel insurance?

The best insurance plan for international travel is one that offers you suitable reimbursement for prepaid costs if you need to cancel due to emergencies. Emergency medical coverage provides peace of mind in the event of illness or injury overseas, to avoid potentially expensive upfront medical costs.

All three plans from John Hancock offer competitive coverage for trip cancellation , travel delays and medical expenses. A 24/7 emergency customer support service is available to help with arrangements while you’re overseas.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of april 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

Best overall: Allianz Travel Insurance

Best for expensive trips: John Hancock Travel Insurance

Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

Best overall: allianz.

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason). Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

When it comes to saving money on senior travel insurance, you should only be covering the services that you need. For example, if your plane tickets are refundable, there's no need to insure those.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies, which could make sense for seniors who travel frequently.

Most travel insurance policies will cover travelers up to age 80, and some even offer coverage up to age 99 or 100. The older you are, the more you should expect to pay for travel insurance.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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John Hancock Travel Insurance | Money

T his John Hancock Travel Insurance review will outline the pros and cons of the company’s policies and give all the information you need to determine if John Hancock Travel Insurance provides the protection you need.

Best Baggage Loss Coverage

If you’re looking for travel insurance with the best baggage loss coverage, you may want to consider purchasing a policy through John Hancock. You can get up to $2,500 in coverage for lost, stolen or damaged baggage and personal effects. Depending on the plan you purchase, you will also receive between $250 and $500 reimbursement for items you need to purchase due to delayed baggage.

John Hancock Travel Insurance Pros and Cons

Up to $2,500 in baggage loss coverage, $1 million medical evacuation benefit.

• Travel delay benefits effective after 3-hour delay
• New Yorkers ineligible for 'Cancel for Any Reason' coverage
• Higher cost than many other travel insurance providers

Pros explained

If your baggage or personal effects are lost, stolen or damaged during your trip, you can receive up to $2,500 to reimburse your losses under the Gold plan. This reimbursement cap is higher than many other travel insurance providers offer. This benefit is particularly useful if you’re traveling with valuable belongings.

If you experience an accident or medical emergency while on your trip, you are eligible for up to $1 million in medical evacuation coverage under the Gold plan. This benefit covers transportation to the nearest appropriate hospital or facility for medical treatment.

Travel delay benefits are effective after only a 3-hour delay

If your trip is delayed for any reason covered by John Hancock Travel Insurance, your delay benefits will be effective after only three hours under the Gold and Silver plans. Delay coverage reimburses the unused portion of your trip as well as the necessary meals and lodging due to the delay.

Cons explained

New york residents are excluded from ‘cancel for any reason’ coverage.

John Hancock Travel Insurance covers trip cancellation expenses only for events covered under its regular plans. If you want coverage for trip cancellations due to any other reasons, you’ll need to purchase ‘Cancel for Any Reason’ optional coverage. Unfortunately, New York residents are ineligible to purchase this add-on coverage.

Pricier than other travel insurance providers

Travel insurance through John Hancock provides higher coverage limits than many other providers, but the insurance cost is also pricier. If you are looking for budget travel insurance, this travel insurance policy will probably not be your best option.

John Hancock Travel Insurance Plans

John Hancock Travel Insurance offers three plans: Silver, Bronze and Gold. Each has a different price tag as well as different coverage limits. All plans offer 100% reimbursement for trips that are canceled due to covered reasons, as well as $200 reimbursement for airline ticket change fees. All three plans provide a single occupancy supplement if your travel rates increase due to a co-traveler canceling or interrupting their trip, as well as terror attack coverage and 24/7 emergency travel assistance.

Three additional coverage options can be added to any of the base plans. Trip Cancellation for Any Reason reimburses up to 75% of non-refundable trip costs for cancellation reasons not covered under base plans. The coverage must be purchased within the first two weeks after making a payment on your trip. Rental Car Collision covers up to $50,000 in rental car repairs. You can also purchase $300,000 or $500,000 in Accidental Death and Dismemberment for air travel only.

The Bronze plan is the least expensive travel insurance option available through John Hancock. Trip interruption coverage reimburses 125% of expenses. The emergency accident and sickness medical expense benefit pays up to $50,000, and emergency medical evacuation covers up to $250,000. Trip delay coverage is effective after six hours and covers up to $500. Lost baggage reimbursement offers coverage up to $750, and the baggage delay benefit covers up to $250. There is a $250,000 limit for repatriation coverage.

The John Hancock Travel Insurance Silver plan is the middle-of-the-road option. It is pricier than the Bronze plan but less expensive than Gold. If your trip is interrupted for a covered reason, you will receive a 150% reimbursement for the unused portion of the trip and additional transportation costs. You are covered up to $100,000 for emergency accident and sickness medical expenses and up to $500,000 for medical evacuation expenses.

Trip delay coverage is effective after three hours and provides up to $750. You will also receive up to $750 to cover expenses related to a missed connection. Lost baggage coverage reimburses up to $1,000, and you can receive up to $500 in costs related to baggage delays. The repatriation benefit — up to $500,000 — covers the cost of transporting your body back home if you die while on your trip.

The Gold plan is John Hancock’s elite travel insurance offering and comes at a higher price than the other plans. It provides 150% trip interruption reimbursement and pays up to $250,000 in emergency accident and sickness medical expenses. Emergency medical evacuation covers up to $1 million. Trip delay coverage is effective after three hours and covers up to $1,000. Lost baggage reimbursement offers coverage up to $2,500, and you can receive up to $500 in reimbursements for purchases related to delayed baggage. The repatriation benefit covers up to $1 million.

John Hancock Travel Insurance Pricing

The premium you will pay for travel insurance through John Hancock depends on various factors, including the number of travelers, your age, your destination, the total cost of your trip and the coverage you select.

Let’s look at how pricing plays out under John Hancock’s various plans. For an $8,500 trip for one traveler, age 40, to Algeria, Gold plan coverage costs $607, Silver coverage costs $487, and Bronze costs $471. In another example, coverage for a $5,500 trip to Mexico for a family of four, with parents aged 35, would cost $410 for Gold, $283 for Silver and $267 for Bronze. Optional add-ons are not included in these prices.

To offset the cost of travel insurance, you can use travel credit cards to earn rewards such as flights and hotel stays. Review the best travel credit cards and best travel rewards credit cards to find the one that is right for you. It is also a good idea to shop around when booking your trip, and you can occasionally find deals using travel booking sites . By saving money on your flight, lodging and transportation costs, you can free up a portion of your budget for travel insurance.

John Hancock Travel Insurance Financial Stability

If you are concerned about the financial stability of your travel insurance provider, you can rest assured that John Hancock is a financially strong company. It has an A+ rating with AM Best , which indicates superior financial stability.

John Hancock Travel Insurance Accessibility

We define accessibility as a product’s geographic availability, the ease of contacting the provider and the company’s online experience. Here is a look at how John Hancock Travel Insurance performs based on these factors:

Availability

John Hancock Travel Insurance is available nationwide, though residents of New York are excluded from the “Cancel for Any Reason” add-on coverage. Note that benefits and coverage limits vary by state. John Hancock Travel Insurance coverage is available for all destination countries except Cuba, Iran, Syria, Crimea and North Korea.

Contact information

You can reach John Hancock by phone or email to ask questions, purchase a new policy or make changes to your existing policy. All plans include travel assistance service, which you can use to coordinate medical care or emergency evacuation, utilize translation assistance or receive concierge services such as restaurant recommendations.

The company began utilizing the services of a new administrator for its travel insurance plans and claims sold after February 1st, 2022. For all policies that start with a “50,” the following information can be used to contact the company:

Customer service hotlines:

• 1-866-888-7803
• 317-582-2660
• [email protected]

Travel Assistance

• 1-866-888-7150
• (317) 582-2690

For all other policies that start with a “54,” the following information can be used to contact the company:

Customer service hotline:

• 1-866-511-9104
• [email protected]
• 1-833-322-1237
• 1-819-566-0612

User experience

John Hancock Travel Insurance offers a user-friendly website for customers looking to purchase coverage or make changes to their existing policy. The application process is straightforward; customers can easily view their policy details, manage claims and make payments online. The website also provides helpful information about the various coverage options available.

John Hancock Travel Insurance Customer Satisfaction

John Hancock Insurance Agency is a reputable company. It has been in operation for over 160 years and has been accredited by the Better Business Bureau since 1996. It has an A+ rating with the BBB.

John Hancock Travel Insurance FAQ

Does john hancock travel insurance cover pre-existing medical conditions, how do i file a travel insurance claim with john hancock, is john hancock travel insurance worth it, how we evaluated john hancock travel insurance.

We evaluated John Hancock Travel Insurance based on several factors, including:

• Pricing: We looked at the cost of John Hancock Travel Insurance policies compared to other travel insurance providers.
• Coverage types and limits: We researched the types of coverage available, as well as the policy limits for each type of coverage.
• Availability and accessibility: We considered how easy it is to purchase a policy and make changes to an existing policy.
• Customer satisfaction: We examined customer reviews of John Hancock Travel Insurance and its customer service.
• Reputation and financial stability: We considered John Hancock’s reputation as a financial services company and its ratings with the major credit rating agencies.

Summary of Money’s John Hancock Travel Insurance Review

When considering the best travel insurance companies , John Hancock stands out for its baggage loss coverage. With strong financial stability, high coverage limits, positive user reviews and wide availability, John Hancock Travel Insurance could be an excellent option for many travelers. With three base plans to choose from and optional add-ons, you can find the coverage level you desire. Although the coverage is on the pricier side, John Hancock domestic and international travel insurance provides valuable benefits that make it a solid choice.

© Copyright 2023 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Yahoo Finance

Is john hancock multifactor large cap etf (jhml) a strong etf right now.

Making its debut on 09/28/2015, smart beta exchange traded fund John Hancock Multifactor Large Cap ETF (JHML) provides investors broad exposure to the Style Box - Large Cap Blend category of the market.

What Are Smart Beta ETFs?

For a long time now, the ETF industry has been flooded with products based on market capitalization weighted indexes, which are designed to represent the broader market or a particular market segment.

Market cap weighted indexes offer a low-cost, convenient, and transparent way of replicating market returns, and are a good option for investors who believe in market efficiency.

But, there are some investors who would rather invest in smart beta funds; these funds track non-cap weighted strategies, and are a strong option for those who prefer choosing great stocks in order to beat the market.

These indexes attempt to select stocks that have better chances of risk-return performance, based on certain fundamental characteristics or a combination of such characteristics.

The smart beta space gives investors many different choices, from equal-weighting, one of the simplest strategies, to more complicated ones like fundamental and volatility/momentum based weighting. However, not all of these methodologies have been able to deliver remarkable returns.

Fund Sponsor & Index

The fund is sponsored by John Hancock. It has amassed assets over $852.99 million, making it one of the larger ETFs in the Style Box - Large Cap Blend. This particular fund, before fees and expenses, seeks to match the performance of the John Hancock Dimensional Large Cap Index.

The John Hancock Dimensional Large Cap Index comprises of a subset of securities in the U.S. Universe issued by companies whose market capitalizations are larger than that of the 801st largest U.S. company.

Cost & Other Expenses

Since cheaper funds tend to produce better results than more expensive funds, assuming all other factors remain equal, it is important for investors to pay attention to an ETF's expense ratio.

Annual operating expenses for this ETF are 0.29%, making it on par with most peer products in the space.

JHML's 12-month trailing dividend yield is 1.31%.

Sector Exposure and Top Holdings

While ETFs offer diversified exposure, which minimizes single stock risk, a deep look into a fund's holdings is a valuable exercise. And, most ETFs are very transparent products that disclose their holdings on a daily basis.

For JHML, it has heaviest allocation in the Information Technology sector --about 24.50% of the portfolio --while Financials and Industrials round out the top three.

Taking into account individual holdings, Microsoft Corp (MSFT) accounts for about 4.06% of the fund's total assets, followed by Apple Inc (AAPL) and Amazon.com Inc (AMZN).

The top 10 holdings account for about 19.51% of total assets under management.

Performance and Risk

The ETF has added about 6.65% and was up about 23.16% so far this year and in the past one year (as of 04/15/2024), respectively. JHML has traded between $50.68 and $64.76 during this last 52-week period.

The fund has a beta of 1.01 and standard deviation of 16.75% for the trailing three-year period, which makes JHML a medium risk choice in this particular space. With about 771 holdings, it effectively diversifies company-specific risk.

Alternatives

John Hancock Multifactor Large Cap ETF is a reasonable option for investors seeking to outperform the Style Box - Large Cap Blend segment of the market. However, there are other ETFs in the space which investors could consider.

IShares Core S&P 500 ETF (IVV) tracks S&P 500 Index and the SPDR S&P 500 ETF (SPY) tracks S&P 500 Index. IShares Core S&P 500 ETF has $439.95 billion in assets, SPDR S&P 500 ETF has $519.49 billion. IVV has an expense ratio of 0.03% and SPY charges 0.09%.

Investors looking for cheaper and lower-risk options should consider traditional market cap weighted ETFs that aim to match the returns of the Style Box - Large Cap Blend.

Bottom Line

To learn more about this product and other ETFs, screen for products that match your investment objectives and read articles on latest developments in the ETF investing universe, please visit Zacks ETF Center.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

John Hancock Multifactor Large Cap ETF (JHML): ETF Research Reports

Amazon.com, Inc. (AMZN) : Free Stock Analysis Report

Apple Inc. (AAPL) : Free Stock Analysis Report

Microsoft Corporation (MSFT) : Free Stock Analysis Report

SPDR S&P 500 ETF (SPY): ETF Research Reports

iShares Core S&P 500 ETF (IVV): ETF Research Reports

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