By contrast, I know few Canadians who would set foot in the USA for one day without travel health insurance. We've all heard the story about the Canadian couple who went to Hawaii on their honeymoon and delivered a baby (prematurely) there, and it cost them 1 million in hospital fees because their coverage wasn't sufficient. And they did have insurance, it just didn't cover baby deliveries.
It sounds like it was the Canadian insurance provider who screwed them, though. They said[2] that since she had a bladder infection prior to getting the travel insurance, it was a pre-existing condition and therefore wasn't covered. So basically, if you get your travel insurance and come across the border, don't expect it to cover anything like a heart attack, an abcessed tooth, a prescription refill, etc.
