Teddy94, it is a good question. I think all programs across the country are in general good, and that is a matter of "fit" to the culture of the program more than anything else. Have you done any elective yet?
As rmorelan mentioned, the premium is dependent on tons of factors. He does not want to disclose how much he pays and that is fine.
For 8.5k a month, I pay roughly $150/mo. I will increase it shortly.
Hope this helps.
Resident in the province of Quebec here. It does make perfect sense what you wrote. In fact, there is a lot of political pressure from the public to force med students to stay in Quebec.