I have had travel insurance the last 4 years and use a policy through Travel Guardian Insurance Ltd. 1-800-715-8833.The rates were much cheaper than others. I have never had a claim and I buy a policy that allowed me to stay my 68 days and then up to 30 days at any time during the year as long as I cross the border. I have never had a claim so I can't say if they are difficult to deal with.
Manulife has been a popular conversation around the happy hour groups in Yuma and with all the horror stories whether true or not should give people pause whether they want to use them or not.