While buying a travel insurance you have to keep in mind :-
1. Upto $100 is deductible, meaning by visit to doctor for minor ailments will not be covered. Doctors normally charge $60 per visit.
2... Canadian doctors ask for payment in advance unless the insurance is from Canadian insurance company. Most of Doctors office are linked with Canadian Insurance Company's via network and simply providing the insurance policy number is enough.
3..... With a foreign insurance co, one will have to pay first and then claim money. Medical bills can run in thousands, and paying in advance can be a big financial stress.