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The Canadian Expat Guide for Those Looking to Move in Canada

The Canadian Expat Guide for Those Looking to Move in Canada

From the slick, modern cities to the awe-inspiring Rocky Mountains and the snowy winters, sun-blushed summers, and friendly charm of the locals, Canada has long been listed by expats as one of their favorite places to live.

The world’s second-largest country has more than magnificent scenery; it is vibrant and multicultural, offering a high quality of life and reasonable wages. It is often held up as an example of its ability to attract talented workers worldwide. If you are considering joining them, then look at our guide to expat life in Canada for some hints and tips…

Obtaining a Visa to Emigrate to Canada

Famed for its open attitude, Canada is always looking to attract skilled workers to its shores to contribute to the economy. So how do you get a work visa for Canada? The first step is to check the website cic.gc.ca, which outlines the main options available.

Canadian Worker Programs

If you are transferring with your company, everything should be relatively straightforward. Still, if you are looking for another way to enter the country, the Temporary Foreign Worker Program is a way employers look for foreign workers. However, they have to prove the role cannot be filled locally by participating in a Labour Market Impact Assessment.

The Federal Skilled Worker Program is another way for professionals to apply for a visa. It works on a points-based system, taking into account your experience, English and French fluency (the two national languages of Canada), and your education – the current pass mark is 67 out of 100. You will need a job offer and be able to prove you have adequate funds to live in Canada.

What is Express Entry?

The Canadian Express Entry system is the online portal you use to apply to the “pool,” from which you could then be invited to submit your complete application for whichever program suits you best.

If you want to live and work in Quebec, you will need the Quebec Skilled Worker program, which has its own separate points system and requirements, such as a French-language test.

Another option for relocation is through Provincial Nominee Programs, which look for skilled workers for specific provinces or territories and can fast-track the visa process at a federal level.

Finally, UK citizens aged 18 and 30 can enter the pool to become a candidate in the International Experience Canada visa program, which allows you to work and travel in Canada for up to two years.

Unfortunately, there is no specific visa for retirees. Therefore those who do end up in Canada have typically done so through a sponsorship visa provided by a relative.

Education in Canada for Expats

If you are moving with your children, you will be pleased to know that the level of education in Canada is high, with more than 90 percent of students attending a state school and just a minimal number attending international or religious schools.

The system is very similar to the US, with kindergarten for very young children, elementary school from age six to 14, and high school until 18. In Quebec, the system is slightly different, and children finish school aged 17 and can take a two-year pre-university program at college (university).

There is no national standard as each province runs its schools. In Quebec, the primary language of education is French (as a result, there are more international schools here and stiff competition to get into them).

Study Abroad (Canadian Universities)

Universities in Canada are state-run and more similar to the UK, with tuition fees often substantially lower than in the USA. While you will need a high school diploma to be able to study at a college or university, each one will have its criteria for admissions. Keep in mind that a college generally refers to an institution offering applied Bachelor’s degrees and more specialist arts and technology programs. At the same time, universities are more similar to universities in the UK.

Finances in Canada

How to open a bank account in Canada?

There are always so many things to consider when choosing to live in a different country. Fortunately, it is pretty straightforward in Canada. Each of the big five banks offers accounts to recent arrivals, although they tend to charge monthly fees, and some will even let you set up your Canadian bank account from abroad, meaning you have to activate it when you arrive in-country.

How to declare your taxes in Canada?

Residents in Canada are taxed on their worldwide income; however, foreign tax credit relief will be provided if you receive a payment from abroad that has already been taxed, so you aren’t double-taxed. Other than that, your income taxes are tied to your earnings and are slightly lower than in the UK despite a provincial income tax being added to the federal (often, it will be deducted as one amount on your payslip). For more details on taxation, the Canada Revenue Agency website is helpful.

How much is healthcare in Canada?

One other area where Canada stands out against its southern neighbor is healthcare. In Canada, the universal healthcare system is publicly funded, and everyone has access to low-cost universal public health insurance. It should cover most things and give you access to private or public hospitals. However, the exact areas covered differ from province to province – and sometimes, one section won’t honor another’s agreement.

As a temporary resident, you may not qualify. It can take time to register, so expats can also opt for private health insurance to ensure they are covered for every eventuality. If you can, make sure you register for your medical card as soon as possible to see if you can qualify for the universal Medicare insurance system.

Canadian Lifestyle/Culture

If you love the Great Outdoors, you will be spoilt in Canada. This is, after all, the home of the Rocky Mountains, glaciers and lakes, rainforests and thundering rivers, dramatic coastline, and rolling prairies.

General Costs

Of course, it takes a vast country to house such diversity, so you will probably need a car if you want to travel around. There is generally good public transport within cities, but if you’re going to get around quickly, it is better to have a car within and outside cities. That said, housing is often cheaper than at home, and the cost of living, in general, is lower, although, of course, it is more expensive if you live in a city.

Weather

The Great White North doesn’t have that name for anything, and although warm summers on the beach or at lake houses are idyllic, they are followed by long, harsh winters. However, this country is prepared for snow; underground malls, endless caravans of snowplows, plug-in points in car parks to stop freezing engines, and generally high-quality construction and insulation.

Another thing to take into consideration is where exactly you want to live. On the west coast, Vancouver is famed for its mild winters and lavish outdoor lifestyle but has a high rainfall (it is rainier than London). At the same time, Quebec – including cities such as Montreal and Quebec City – is French-speaking, and you will be expected to have a high level of French if you want to live and work there.

Friendliness

One thing everyone agrees on, though, is that Canadians are friendly and famously polite. In fact, According to the 2017 Internations study of expats living in Canada, 45 percent said they were considering staying forever, and Canada ranked 13th out of 65 for quality of life, particularly for peacefulness, health and wellbeing, and its clean environment.

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    Selling Terms And Conditions

    OVERVIEW

    This website is operated by AnyExpat Ltd. Throughout the site, the terms “we”, “us” and “our” refer to AnyExpat Ltd. AnyExpat Ltd offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

    By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply  to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

    Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

    Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

    Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

    SECTION 1 – ONLINE STORE TERMS

    By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

    You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

    You must not transmit any worms or viruses or any code of a destructive nature.

    A breach or violation of any of the Terms will result in an immediate termination of your Services.

    SECTION 2 – GENERAL CONDITIONS

    We reserve the right to refuse service to anyone for any reason at any time.

    You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

    You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

    The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

    SECTION 3 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

    We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

    This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

    SECTION 4 – MODIFICATIONS TO THE SERVICE AND PRICES

    Prices for our products are subject to change without notice.

    We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

    We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

    A flat rate of 20% is due on all sales is retained by AnyExpat Ltd, this includes postage costs so price your items to consider this.

    SECTION 5 – PRODUCTS OR SERVICES (if applicable)

    Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.

    We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor’s display of any color will be accurate.

    We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

    We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

    SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION

    We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

    You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

    For more detail, please review our Returns Policy.

    SECTION 7 – OPTIONAL TOOLS

    We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

    You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

    Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

    We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

    SECTION 8 – THIRD-PARTY LINKS

    Certain content, products and services available via our Service may include materials from third-parties.

    Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

    We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

    SECTION 9 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

    If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

    We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

    You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

    SECTION 10 – PERSONAL INFORMATION

    Your submission of personal information through the store is governed by our Privacy Policy. To view our Privacy Policy.

    SECTION 11 – ERRORS, INACCURACIES AND OMISSIONS

    Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

    We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

    SECTION 12 – PROHIBITED USES

    In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:

    (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information;

    (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

    SECTION 13 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

    We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

    We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

    You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

    You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

    In no case shall AnyExpat Ltd, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility.

    Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

    SECTION 14 – INDEMNIFICATION

    You agree to indemnify, defend and hold harmless AnyExpat Ltd and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

    SECTION 15 – SEVERABILITY

    In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

    SECTION 16 – TERMINATION

    The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

    These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

    If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

    SECTION 17 – ENTIRE AGREEMENT

    The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

    These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

    Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

    SECTION 18 – GOVERNING LAW

    These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Clyde Offices, 2nd Floor, 48 West George Street, Glasgow, BFP, G21BP, United Kingdom.

    SECTION 19 – CHANGES TO TERMS OF SERVICE

    You can review the most current version of the Terms of Service at any time at this page.

    We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

    SECTION 20 – CONTACT INFORMATION

    Questions about the Terms of Service should be sent to us at [email protected]

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