Difference for SuperVisa Medical insurance cheapest vs Manulife

[Carmageddon]

Hi, I am linking
https://drive.google.com/folderview?id=1sMyC6I-ebQlSF1g-bIwzvJZYsJJhilZU
the policies for both cheap and expensive - they are long, but after skimming a little bit on various pages and comparing - both seem to be strict, designed to expel you on the first and cheapest flight home as soon as medically possible!

So, why prefer the much more expensive Manulife policy, over the cheaper one?
Please, any suggestions from your experience?
Cheapest: 1500$ for 150k insurance 0 deduct
Expesnive: 2300$ for the same.

Is there anything I missed? Does one cover something I did not notice?
Or is it just that the wording is identical, but the expensive one does not immediately run to look for clauses to reject claims?

 

[vdhanju1]

Hi, I am linking
https://drive.google.com/folderview?id=1sMyC6I-ebQlSF1g-bIwzvJZYsJJhilZU
the policies for both cheap and expensive - they are long, but after skimming a little bit on various pages and comparing - both seem to be strict, designed to expel you on the first and cheapest flight home as soon as medically possible!

So, why prefer the much more expensive Manulife policy, over the cheaper one?
Please, any suggestions from your experience?
Cheapest: 1500$ for 150k insurance 0 deduct
Expesnive: 2300$ for the same.

Is there anything I missed? Does one cover something I did not notice?
Or is it just that the wording is identical, but the expensive one does not immediately run to look for clauses to reject claims?

I would avoid Travel shield - due to claim issues. There are other options with similar level of coverage & ease of claims as Manulife but less expensive.