In Canada you have to pay extra for a 5G plan even if you have a 5G phone. And grandfathered plans/plans you’ve been on for a while keep the low speeds.

I had a super cheap prepaid plan with 3g speeds until I switched last month because I was on it for so long.

Some prepaid plans here just cut you off data completely unless you prepay for your overage. Others let you go over and charge you like $5 per 200mb over (ridiculous).

There are post-paid monthly plans that don’t do overage charges, but they throttle you so much it’s not really useful.

Edit: just checked, for 50 CAD (around 40 USD) you can get 100GB of 5G a month prepaid, for a plan that gives you complete US coverage as well.