To confuse matters some more, I just sent an SMS message to my SO phone using my United Mobile SIM which has a UK phone number. (IOW I sent an international SMS originating in Canada to a UK phone number for delivery to a Canadian phone number.) The text arrived almost instantaneously (I used the UM SIM with a different phone) but so far my SO airtime balance remains unchanged.
Now here's a possible explanation. UM's roaming partner in Canada is Rogers. Is it possible that Rogers detected that the call originated in Canada for delivery in Canada and therefore routed everything within Canada? Even so, I should have been charged 5¢ for receiving a domestic SMS, shouldn't I?
P.S. UM updates their airtime debits overnight so I won't know until tomorrow if and how much they charged me.