insurance is never cheap,,,if you get cheap low premium you will suffer when you are submitting your claim thinking it will be covered.
buy a good coverage from a reliable insurer.
Why is Manulife best?
Anything wrong with Starr Inusrance & Reinsurance Limited (administered by Travel Shield)?
It costs ~1500$ for 150k coverage 0$ deductibles, compared to 2300$ with 0 deductibles for Manulife. I am not sure about differences in coverage.