I think you‘re a bit informed wrong. Just read here how much treatment in a hospital can cost you in relation to a one year premium cost for good insurance here.
Normal Tourists should have a travel insurance either already covered by their own health insurance policy or if not just make one for little money together with their travel agency they book the trip wherever it goes. I just don‘t understand how people can even ask sich questions whether they need travel insurance or not 🤦🏻♀️
Well, the only thing an agency does is to go to immigration with all the papers the client has to prepare himself anyway. And the preparing is the most ennoying and time intensive work.
Only the local immigration can give you the latest requirements because every province has its own requirements. This is the only and best advice that actually can be given