I have heard this stuff for decades Kiting...I'm sayin' I just have never found someone who has done it. There might be procedures one can't get done Canada but I seriously doubt that they are "life threatening" situations...unless they are "experimental" or unapproved in Canada...as many such procedures are in the US and US insurance companies. A few years ago I was made to wait 5+ years for a hip replacement so I could meet the insurance company's criteria (mostly age).......I met a delightful Canandian lady a year later who was a year younger than I and she had to wait 6 months to have her's replaced.......Mined cost me $1k out of pocket and my insurer stated they paid $11600...The Canadian lady told me she never received a bill.....It was FREE! We both had the same hip installed.