Being quite new to the country,I wasn't quite aware how the claim things are so strict. claimed a few visits from a place I haven't visited. My wife visits naturopath and I have made a few false claims on that name. I have also taken regular massages which were not covered. My claim activated by Aug by I was taking chiropractic session from April 2018. Now that manulife has come back and said there are number of claims which are un verified. How do I go and say that I was an aware of how this works and get away? Huge help needed guys. I am also willing to pay the unverified claims back. Any insights ll be great.