A U.S. car insurance policy is only valid if you are visiting Canada.
If you are living in Canada, the Canadian government requires that you carry Canadian car insurance. It is understandable that as a student you may still be a United States citizen and only in the country temporarily, but you are still living there.
The only time that the Canadian government will accept United States car insurance as proof of proper insurance coverage is if the driver is in the country as a tourist. Even then they still have to have a special card on hand issued by their U.S. car insurance company as proof of insurance extending into Canada.
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