If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.
Many insurance policies may cover you in Canada — if it is for short-term trips. I would check with your current carrier, but it is likely you'll need to select a Canadian insurance provider if you'll be living there for two years.
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
If you are legally separated, some companies but not all, will not make you list your spouse. If you are not legally separated then you will need to list your spouse but they can be excluded which means they will not be covered to drive on the policy and being married typically lowers your rate.