THe claim process was cumbersome, painfully slow, and apparently the staff is very overworked not being able to process submitted claims for at least two weeks once received. Even when requested, communication was by mail rather than email which further slowed the process. The company either did not know how to handle claim materials submitted by email attachments or the company server was set to block all attachments. I received different explanations as to why my attachments could not even be opened. A simple line in the application form stating that email attachments can not be opened would have been helpful and saved about a month in the claims process for me. Since I work as a graphic designer sending out files as attachments on a daily basis to many businesses, I know that I know how to create, compress, and send files in spite of John Hancock (Sevencorners) trying to tell me that it was all my problem.
Having said that, I felt the compensation, once received, was the expected amount based on the description of what I purchased. I only had to refile one item of which I have received notification that I will be reimbursed.
Over all the cost of the insurance was very reasonable compared to the policy price offered by the cruise company. The Squaremouth web site was very helpful in finding a policy to cover only the items I was interested in having covered. Squaremouth gets 5 stars, having to use the purchased insurance which generally means your trip is severly hampered gets 0. I am grateful that we received reimbursement, 5 stars; how long it took and the process for getting the reimbursement, 2-3 stars.
Low ratings because I sent an email 30+ days ahead of cruise requesting consideration of refunding payment account not able to make cruise.....never got a response from your Company, and will NOT us again! Even if declining refund, a response is proper way to handle Customers
I've spent the many months that the cruise company has canceled every itinerary, trying to recover my insured loss. Even with them in bankruptcy, your excuse was it wasn't the right kind of bankruptcy. When they closed their Chicago office, I knew it was all over for them.
We had two issues in dealing with the insurer. First, before we left, my husband had some health issues, but we didn't have time for him to get tests to confirm a firm diagnosis. We did have an MD letter recommending that he not travel until his condition could be diagnosed. We talked several times with the insurer to try to cancel the trip if it would be covered by insurance. They would not give us an answer--said we had to cancel first and then the would let us know if the insurance would cover the cancellation. We were not confortable cancelling without knowing whether coverage would apply, so we decided to take a chance and take the trip and use the medical and evacuation coverage if his condition was serious. Believe me, this was very stressful for both of us. Fortunately he had no issues during our travel but I felt that this was NOT the way our issue should have been handed.
The second issue was with and accident that I (the wife) had during the trip involving a fall with severe injury to my left arm. I filed a claim for the medical cost, which I am told will be reimbursed, but I have not yet heard from the insurer regarding the claim I made for the change fee for my return flight--I had to change my departure airport because I was advised in writing by the ship's physician that I should not drive an auto, and I had planned a driving trip at the end of my cruise.
I have sent claims for myself and my son and your insurance company said we need to submit medical bills that list our name, which we already submitted but in Japanese not in English as the medical cost incurred in Japan. A representative confirmed this should be processed as they have a translator to read the Japanese medical bill, but when I called back to follow up for the status, they repeats the same excuse for not processing... I had the same conversations three times already and they keep asking me to wait for 10 more days each time and it's been already 1 month passed since I sent a claim initially. They just need a translator to read the bill. If they can't even process in foreign language bill, they should not offer an international travel insurance policy.
First of all, I am not disputing the verbiage in the policy itself. My complaint is regarding the purchasing process of this policy right from the start and the use of multiple brand names to create confusion. Don't let the "zero complaint guarantee" make you believe you have an extra layer of protection. You don't and it does not mean a thing.
Half my overseas trip was ruined by a situation out of my control and I incurred hundreds of dollars of charges as a result. The entire airport in Manila was closed for the APEC summit meetings. I was relieved to know I had purchased trip insurance from a well-known company in Chicago, John Hancock Insurance—which according to the Square Mouth website included cancellation and delay.
Upon requesting the appropriate claim forms, the form itself says it is actually “American Modern Insurance Group”. However, after making sure that was the correct form it appears the forms are actually mailed to “Seven Corners”. I later found out that “Seven Corners” is only the processor of claims. It appears that multiple companies are involved and that they are simply using different names to confuse and mislead consumers.
My claim for trip cancellation was denied and I was advised (after several emails) to file an appeal under a different reason, trip delay. I spent countless hours filing out all the forms again and providing proper documentation and proof of such occurrence. The second claim with "John Hancock Insurance” was also denied. There were no responses to my emails, again for weeks. I also, placed many calls and emails to the “zero complaint team" at squaremouth.com asking for further clarification regarding my specific trip insurance policy that I purchased. After about a month I finally was given an answer, simply stating, that I was not covered for that “reason" under that policy.
Regardless of the writing in the policy, I am asserting that I was cheated and completely mislead into purchasing this insurance policy from the start. I am asserting that I was lead to believe I was purchasing from a prestigious name; John Hancock Insurance. This was clearly a bait and switch scheme and absolutely unacceptable. In addition, I was not made aware prior to my purchase the extreme limitations of this policy and that I would actually be dealing with multiple companies other than “John Hancock". This would have drastically altered my decision in choosing such a prohibitive policy from unknown companies.
The initial quote I received squarely failed to meet requirements that I specified and it was only until I purchased it and read the specifics that I was able to discern that- the Squaremouth rep clearly did not listen to me in assessing my needs. Subsequently, I called immediately to cancel the policy and the staff was very responsive about facilitating the change to a different policy and cancelling the first one- in all, the service was good,but the initial misstep could have been completely avoided and honestly, I was clear in the coverage that was needed and iterated it to the first customer service person, who apparently either disregarded it or didn't listen.
Was never used- but my daughter did end up with a hospitalization that the medical staff of her organization attended to- nonetheless, it gave us peace of mind to know if an evacuation had been necessary that we had the coverage.
Almost 1 month ago I filed a claim about the hotel cost for delayed luggage. I still didn't receive any response on how long it will still take. Next year I will pick another Insurance Agency on your website.
Thank you for posting a review of John Hancock.
We apologize for your negative experience.
A member of our Zero Complaint team contacted you today to discuss this further.
Please contact us at 800-240-0369 if you have any questions, we are happy to help.
to buy the insurance is no problem.problem is when you need help and file the claim
i have a very bad trip and lots of problems with my trip but no help with the claim
the i have file a multiple claims but non of them was resolved yet!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
just a big problem (i didint have any clothes the airlines lost my 4 bags)and no help foom insurance
the trip was delay and change few times but no help from the insurance
Never again with that insurance company!!!!!!!!!!!!!!!!!!!!!!
1) Squaremouth? John Hancock? Who is whom? I was not clear if I was dealing with representative of insurance company or go between.
2) It took many months for my claim to be settled. Apparently more information had been requested via email, an email that I did not receive. When I called to
inquire about the status of my claim, it took a couple of calls to ascertain the status of my claim.
3) I had questions regarding aspects of my claim; it was hard to get questions answered adequately.
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