It’s finally happening! You’ve landed a job in Canada and all your immigration paperwork is in order — but are you really ready to move? Here we discuss the essential things you need to know to get settled in Canada.
Whether you’ve found your own pathway to enter Canada or are considering your options, you want to be proactive in preparing for the big move. For those who are still seeking immigration pathways in Canada, Global Talent Stream (GTS) is just one exceptional option that makes it easy for Canadian employers to hire foreign workers.
In just a few weeks you can get authorization to work in Canada through GTS, and the program is an excellent pathway to permanent immigration to Canada. Plus, you only need one year of Canadian work experience to qualify for permanent residency.
But even when you’ve crossed the big, important items off your to-do list, like securing the job and applying for and getting your visa, you don’t want to forget the “little” things that will be crucial for you to set your life up in Canada, like health care, banking, housing and more.
These logistics can be complicated and leave you feeling overwhelmed, especially when planning your relocation to Canada, and not every immigration service provider can help you or connect you with someone who can help you get settled in Canada.
Things You Need To Know To Get Settled In Canada: The 9 Most Important Steps After Relocation
1) Securing Essential Documents
Securing essential documents is a crucial step in settling in Canada, whether you are a Canadian citizen or a newcomer. As a newcomer, you’ll need to obtain certain documents to access various services, including healthcare, education, and employment.
Apply for Your Social Insurance Number (SIN)
A Social Insurance Number (SIN) is a nine-digit number issued by the Canadian government to Canadian citizens, permanent residents, and certain temporary residents. You’ll need a SIN to work in Canada, access government benefits, and file taxes. To apply for a SIN, you’ll need to provide proof of identity and immigration status. You can apply online or in person at a Service Canada office.
Register with Your Country’s Consulate
Registering with your country’s consulate can provide you with important services and support as a newcomer to Canada. Your consulate can help you with various tasks, such as obtaining a passport, providing information about your home country, and assisting with emergencies or crises. You can register online or in person at your country’s consulate in Canada.
2) Banking
The cost of living in Canada’s major cities is typically lower than in the US. While the United States is much larger than its northern neighbor in terms of GDP, the average income per capita is similar in both places.
Having permanent resident status can also make it easier to access various banking services and financial products in Canada.
You’re not legally required to have a Canadian bank account to work in Canada, but having a place to safely save your money is smart, and it’ll make processing paychecks and eventually paying taxes much easier. For a limited period of time, banking is free for newcomers to Canada… Even foreigners can open bank accounts in Canada if they have the proper identification. The specific requirements vary from bank to bank, but generally, you’ll be asked to show:
- Valid passport
- Immigration papers, such as Temporary Residence Permit or a work permit.
- Social Insurance Number
- Proof of address
For a limited period of time, banking is free for newcomers to Canada, but once that free period expires, you can expect to pay monthly fees to the bank. Some banks will waive these fees if you keep a minimum — usually around CAD$3,500 — in your bank account.
In terms of choosing a bank in Canada, there are the Big Five Banks in Canada to choose from: Royal Bank of Canada, The Bank of Montreal, Canadian Imperial Bank of Commerce, The Bank of Nova Scotia, and Toronto-Dominion Bank.
3) Housing
Just like in the US, Canada housing prices have been setting records over the past couple of years.
Of course, some cities and provinces in Canada are more expensive than others. The two most expensive cities in Canada are Toronto and Vancouver.
Obtaining permanent residence can provide more stability and options when it comes to purchasing or renting a home in Canada.
The national average home price was a record $748,450 in January 2022, up 21% from $618,587 a year earlier. Interestingly, real estate brokers and economists believe part of the real estate boom is thanks to newcomers entering the country after immigration ground to a halt during the pandemic.
To rent a one-bedroom in Vancouver will cost you $2,176/month, which is up 13.2% from last year. And a one-bedroom apartment in Toronto will cost you $2,013/month, which is up 9.2% from last year.
If you’re interested in buying a home in Canada, prepare to pay over $700,000. Mortgage rates have also been on the rise in Canada, with the average uninsured rate closer to the 3% mark.
However, if you choose to live just outside of most city centers in Canada, you can save thousands of dollars.
If you have the flexibility to work remotely, consider picking a location that suits your lifestyle. Canada has an abundance of rural communities that can get you close to great Canadian outdoors like the Rocky Mountains.
4) Medical Coverage and Health Insurance
Considering that medical bills are the largest source of debt for Americans, it’s important to point out the benefits of Canada’s universal healthcare system. The system is funded through taxes and Canadian citizens or permanent residents don’t have to pay for most healthcare services. In fact, 18% of Americans have medical debt and collection agencies held $140 billion in unpaid medical bills last year!
Unlike its US counterpart, Canada’s medical coverage can provide some relief on your wallet. The system is funded through taxes and Canadian citizens or permanent residents don’t have to pay for most healthcare services.
Securing Canadian permanent residence is crucial for accessing the full range of healthcare services available in Canada.
Canadians pay an annual average of $7,068 in taxes for healthcare, compared to approximately $10,739 that the average American can expect to spend annually on their health.
Canadian universal health care is available for:
- Canadian citizens
- Canadian permanent residents
- Eligible refugees and refugee claimants
- Eligible protected persons, under the Interim Federal Health program
If you don’t fall into one of these categories, you’ll most likely need to buy private health insurance.
The average Canadian household spends $2,000 on health care costs and $4,000 on private insurance premiums. There is a good chance that your Canadian employer will offer a group plan and the monthly fees will come directly from your paycheck.
5) Education
If you’re bringing a young family to Canada, you’re probably wondering about schools for your kids.
Because the public education system in Canada is a top priority for the government, it’s well-funded and arguably among the world’s best. Not only that, it’s welcoming too — migrant parents should note that Canada’s school student population includes a high number of migrants.
Indeed, more than a third of young people in Canada come from families where BOTH parents were born in another country. Because multiculturalism is the norm in Canadian schools, newly arrived children tend to integrate into their new schools quickly and usually perform at the same level as their classmates.
Improving your language skills in English or French can also enhance your employability and help you integrate more smoothly into Canadian society.
In addition to solid public elementary and secondary school, public universities and colleges in Canada are mostly funded by provincial governments, and students are usually charged minimal tuition fees.
Tuition at top Canadian Universities is 16-38% cheaper than at the best schools in the US.
In the US, undergraduate tuition, fees, room, and board were estimated to be $17,797 at public institutions and $46,014 at private nonprofit institutions. In comparison, Canada’s typical average annual tuition at a public college in 2021 was $7,938 Canadian dollars or $6113.61 US dollars.
6) Employment and Career Planning
Learn About the Job Market
Canada has a strong and diverse economy, with many job opportunities available in various industries. However, the job market can be competitive, and it’s essential to understand the requirements and qualifications needed for different jobs.
Some popular industries for American expats include technology, healthcare, and finance. Many Canadian companies also offer remote work options, which can be an attractive option for those who want to maintain their current job while living in Canada.
It’s also important to note that Canada has a points-based immigration system, which favors skilled workers with experience and qualifications in specific fields. If you’re planning to move to Canada for work, it’s essential to understand the immigration process and the requirements for obtaining a work visa or permanent resident status.
Additionally, learning about the job market and the requirements for different jobs can help you make an informed decision about your career plans in Canada. You can research job openings, salary ranges, and required qualifications to determine which jobs are a good fit for your skills and experience.
By doing your research and planning carefully, you can make a successful transition to Canada and achieve your career goals.
7) Driving and Car Insurance
To legally drive a car in Canada, you’ll need a government-issued driver’s license. The driver’s license you were issued in your home country will probably work in Canada for a short period of time, but you’ll eventually need to get a Canadian license.
If you are from a country that signed the 1949 Convention on Road Traffic, you may be able to simply exchange your foreign license for a driving license in Canada.
If you are a temporary foreign worker, you may need to follow specific procedures to obtain a Canadian driver’s license.
Before you arrive in Canada, apply for an International Driving Permit (IDP) in your home country.
Otherwise, you may need to sit for a knowledge test and take a driving test to get your Canadian license. In addition to a license, you’ll also need proof of car insurance.
8) Mobile Phones
Mobile phones have found a permanent place in our day-to-day lives. But, unfortunately, Canadians pay some of the highest wireless prices in the world.
In 2019, Canadians were paying $57 to $101 per month for phone plans that included 5GB of data. This is two or three times the average rate for most European plans!
In March 2020, the Canadian government mandated that mobile carriers reduce their prices by 25% by 2022. As a result, three of Canada’s popular phone providers — Fido, Koodo, and Virgin — all offer plans that start at $45 per month for 6GB of data.
9) Getting Settled and Socializing
Getting settled in a new country can be challenging, but there are many resources available to help. As a newcomer to Canada, you’ll want to get settled and start building a social network as soon as possible.
Get Help from Organizations for Newcomers
There are many organizations in Canada that provide support and services to newcomers. These organizations can also provide information on economic immigration programs that may be beneficial for your settlement process. They can help you with various aspects of settling in Canada, such as finding a job, accessing healthcare, and learning about Canadian culture. Some examples of organizations that provide support to newcomers include:
- The Canadian government’s Immigration, Refugees and Citizenship Canada (IRCC) department
- Provincial and territorial governments’ newcomer services
- Non-profit organizations, such as the YMCA and the Salvation Army
- Community centers and cultural organizations
These organizations can provide you with valuable information, resources, and support as you settle in Canada. They can also help you connect with other newcomers and build a social network in your new community.
Research and Planning
Still researching your move to Canada? Here are some additional things to consider.
Research Different Provinces and Cities
When considering a move to Canada, it’s essential to research different provinces and cities to determine which one best fits your needs and preferences. Each province has its unique culture, economy, and job market, so it’s crucial to understand these factors before making a decision.
Some popular provinces for American expats include Ontario, British Columbia, and Quebec. Ontario is home to Toronto, Canada’s largest city, and offers a diverse economy and cultural scene. British Columbia is known for its natural beauty and outdoor recreational opportunities, while Quebec is famous for its French culture and cuisine.
Understand the Cost of Living
The cost of living in Canada can vary significantly depending on the province and city you choose. Generally, the cost of living in Canada is lower than in the United States, but it’s still important to understand the costs associated with living in Canada.
Some expenses to consider include housing, food, transportation, and healthcare. The cost of housing can vary significantly depending on the location, with cities like Toronto and Vancouver tend to be more expensive than smaller towns and cities.
Path to Canada can help permanent residents get started in Canada
Path to Canada can help you relocate to Canada and continue to work for your American employer. And if your US employer doesn’t have a Canadian office, no problem.
Path to Canada can also assist you in navigating various immigration pathways, such as the Federal Skilled Trades Program and the Federal Skilled Worker Program. These programs are designed for skilled workers who meet specific eligibility criteria and are looking to establish themselves in Canada.
As a professional employer organization (PEO), Syndesus can legally hire you on behalf of your US employer. We take care of the billing, HR, legal and other paperwork, and you come to work, in Canada, just the same!
Whether you’re moving to Canada with your current US job or if you’ve found an entirely new job; whatever your path, Path to Canada helps you check all the important boxes: banking, housing, health care, the school system, driving, and even your cell phone.
There are companies out there that charge you for these services, but we don’t do that.
Instead, we only work with quality employers, whether in the US or Canada, that are dedicated to finding, hiring, and retaining the best people in Canada, which means they support you in the entire relocation process, including paying for your work visa and guiding you to get settled in. And it’s our job to make that journey happen as smoothly as possible.
We can help you open a bank account, rent an apartment, and find the perfect school for your kid. But we can also help you get to Canada in the first place.
Check you eligibility to learn more about how we can help you work remotely for a US tech company from Canada, or join our Path to Canada database of qualified candidates seeking to move to Canada and get matched with a Canadian tech employer.