Check with your credit card company. I know many Visa Cards in Canada include Travel Insurance.
Also if you are employed and have extended health coverage you may also have international travel insurance as part of your plan. Check with your plan. I know for ours there is a different card for out of country travel.
Last thing to check is if you plan pays the bill for you, or reimburses you once you have paid it yourself.
Ok another thing to check. Find out if the medical plan will cover the cost of an ambulance if needed. In BC they will bill you for ambulance rides. They are not going to ask for money up front.
