In general, most US warranties leave Canadastan miles behind, AFAIK.
We must also have differences when it comes to loaners. I know what you are saying about the dealer-specific policies. I've had loaners at specific Toyota and Nissan dealers without any grief but they both sold me used trucks.
With the Warlock, I negotiated a loaner when buying my truck but that dealership is long gone.
I asked about a loaner last Fall while having warranty service completed at the new-to-me dealership and the SA said he looked up my original sales agreement.
He said the sales agreement indicated I paid to have loaners and asked what would I like to drive.
I thought I was dreaming. LOL
It might be an Ontario-wide Stellantis dealership policy, at least that's one good thing about living in Ontario these days.
Too bad they don't have a national program in both countries. I'll try to get clarification during my next service visit, next Spring.
David, if you have no luck with a loaner being available, where you need it, you could always explore the insurance route.
My former insurance company only provided a loaner if I was involved in a claimed accident but the new company covers any loss of use including breakdowns.
Now my new insurance company is a small Ontario company, maybe, the big insurance companies don't have the feature available.
.