Manulife Travel Insurance Reviews

Do not get travel insurance with Manulife! We were going on a trip to Mexico. My father in law died before we left so we cancelled our trip. We had insurance with Manulife and they won't give our money back. My father in law died very quickly. When we paid for the insurance they said that we could cancel anytime and for any reason. What is the point of getting insurance cancellation if you can't use it? They told me that is because my father in law had an existing illness which is stated in their policy brochure, the one you get after you have paid. The brochure that no one reads.