Yeah that looks very poor, i know from UK travel insurance often has cover £2m, £5m, £10m. Have you not got websites like confused.com or comparethemarket.com in Canada?
PAI is just to get emergency treatment until the money runs out, so Axa had a 500k policy for 15k under 65, so you clearly need to self insure to cover the shortfall
i find most agogos boring because they are wearing coyote outfits or bikinis or similar, the only good ones are the naked ones which are available in Pattaya, don't think any in Nana Plaza now
People really wet their knickers over Wise being a bit late or restricted, if it's for 65k immigration then send multiple transfers or a swift transfer