All ActivityMost RecentMost LikesSolutionsRe: Travel Insurance for CanadiansQuest Travel Insurance 800-884-2126 does NOT use the "one strike and you're out" clause. In other words, if you omit something or make a mistake on the application, they will still cover you. They are not underwritten by Manulife. I switched to them after finding out Medipac is underwritten by Manulife.Re: Medical insurancePrevious poster is correct in his statement "one mistake and you are in financial ruin" with most companies. I dumped Manulife for that reason and went with Quest/Travel Underwriters because if you make a mistake, they will still cover you. Their broker's phone: 1-800-884-2126 in Ottawa. Very nice people to deal with.Re: Medical insuranceWe used to have out-of-country medical with a company underwritten by Manulife, but after reading many stories about Canadians whose claims were denied because of an honest mistake on the application, we went with Quest Travel Ins. They do not have the so-called "one strike and you're out" clause in their application. Quest has a broker in Ottawa called First Rate Insurance.