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Moving back to Canada is exciting...but also a real challenge. Along with
the wonderful aspects of your "new" life back in Canada, you
also have to contend with reverse culture shock. Or first-time culture
shock if your children or spouse have never lived in Canada. Further,
the multitude of administrative and organizational aspects of moving home
and setting up your new life can be daunting. Moving back from the USA
or Mexico may not seem to be too much of a challenge, but many of the
same issues are faced in these moves as well.
This primer/checklist is the result of my family's experiences moving
back to Canada after spending 6-1/2 years in the Middle East. Our youngest
son was born there. To him, we were immigrating to Canada. For the rest
of us, it was a big move back to the land of taxes, rules and regulations,
rain and snow...and of course, fantastic geography, a liberal Canadian
society, public libraries, and much more.
If you find this primer useful, please contact
me with any suggestions you think could be added to improve
it.
Contents:
- Part 1: Preparations you can do, and need to
do, ahead of time while living abroad
- Part 2: Preparations you can do, and should do,
while vacationing in Canada for the last time before moving home.
- Part 3: What you can do, and need to do, once
you arrive in Canada.
- Useful links (Canadian Border Services
Agency, Canada Customs, moving companies, etc.)
- Donate? - Help Paul widen the resources on this
site and provide more volunteer services
Part 1: Preparations you can do, and need to do,
ahead of time while outside of Canada
1 year ahead of your leaving (if you have the luxury
of knowing this far ahead - 6 months or less if you don't):
- Decide where you wish to settle in Canada.
- If you already own a property or wish to live near relatives
this may be a moot point for you.
- If you are not set on a province/city/region that you have to
go to, this becomes a very important decision. You have changed
in your overseas experience. You will find most Canadians charmingly
provincial at first. The charm wears off fast. Soon you will be
wondering when you can go back overseas to be with more worldly
folks. Really. It won't take long to feel this way. To help make
the transition easier, consider what your values, interests, and
goals are. Choose regions of Canada that suit your family. If you
feel that you want a liberal, worldly social set, consider Ottawa,
Vancouver, etc. If you wish for a more conservative surrounding,
consider London, ON, or a smaller center in a conservative region.
If you want nature and outdoors activities, BC tops the list (by
a long shot - of course I am biased as I live there!). The most
important thing to remember is that you are different. Canadians
haven't changed. You probably no longer fit into your old life in
Canada! You will have to create a new fit. Prepare ahead and you
won't be so culture shocked.
- Buy a residence ahead of time...
- ...but rent it out for 6 months or a year before you arrive. Owning
a house and keeping it empty may jeopardize your non-resident status
with CCRA (Canada Customs and Revenue Agency). This would be yucky
if you have been enjoying lower or non-existent taxes in your off-shore
country! So rent it out at arms-length (not to a family member)
- Buy a house in December or January: The best time for buyers.
You can low-ball sellers and quite often get a great deal.
- Having a house ready for you means you can get excited about where
you are going in Canada. You will have a mailing address for forwarding
your mail. You will have a place to send your household goods. You
will have a place for your family to land when you arrive (lower
costs - see finances below).
Roanna Stevens, back in Canada in late 2008, on finding a
place to live:
I think for us one of the most difficult things has been finding
appropriate housing for our family. We have never lived in BC so searching
for an apartment/condo to rent near Vancouver has been daunting. One
thing that I am glad someone told us was that we should look at getting
"transitional" housing rather than signing a one-year lease.
This proved to be great advice! Since we had a timeframe in which
we had to find a place to live, we ended up in a basement suite in
Burnaby on a month-to-month lease. The location was great...the suite
was not. However, it did give us time to start looking around and
to determine what area would be best for us to live in. It was also
SO much easier to look for a place when we were already in the general
area. I had been doing the Craigslist thing from Bangkok but, in a
city like Vancouver, you really need to jump on housing when it shows
up. If it's a good place, it won't be available for very long. Eventually,
we found a great place, at a fair price in an area we felt suited
us.
- Prepare your finances.
- If you wish to leave money off-shore, prepare for that now. Open
appropriate accounts, make appropriate investments, choose your money's
geographic domicile.
- Canada is expensive if you have to live in short-term accommodations,
rent a car, eat out a lot, etc. when you move back.
- Budget for 3-5 thousand dollars a month (yes, a month) for a
typical family to live in short-term furnished accommodations,
rent a car, eat at restaurants, and buy things needed for your
new life.
- The sooner you can get settled in your own accommodation
and buy a car, the sooner you will stop the hemorrhaging of
your bank account.
- Assume that it will take a minimum of 2 months to get settled
and 4 months to get really settled. That's right: Count on
up to C$20,000 to just get settled (family of 4 example) in
a new place in Canada.
- Staying with family members sounds like a good idea, but
if your family has enlarged, or if your kids have gotten a
lot older in the years overseas, staying with family will
get very difficult very fast. Your parents have gotten a lot
older during your years overseas. Your other family members
think you are rich because you had an expat lifestyle. They
won't be happy with you camping in their basement. After all,
since you are rich, why don't you just stay in a hotel?
- Don't mess up your early exciting experience in Canada:
Stay in your own separate, private accommodations when you
arrive back. You will thank yourself later and so will your
family members!
- Prepare to be treated like a criminal by Canadian financial institutions.
If you have been out of Canada for many years and have severed all
important ties (per CCRA stipulations to ensure non-residency), you
have no credit history. Be ready to face the following:
- You will not have a credit history. Banks and credit unions
will tell you "Oh, no credit history is OK. At least it is
not negative!". This is a lie. No recent Canadian credit
history is the same or worse than negative credit. You have not
been a Canadian wage-slave and because of this, you must, therefore,
have obtained your finances through some unsavory method: You
will be denied loans, mortgages, and credit cards. You do not
fit the narrow mind-frame of most bank employees. You are a risk.
Better to say "no" to you. And with all the identity
theft going on, even more reason to say "no!" to "strangers"
(you!).
- The only normal way to get loans, mortgages and credit cards
is to have a job - even if you have $100,000 cash in the bank!
The Canadian financial lending system is based on lending against
income earning through provable normal sounding employers - and
not against you or your assets.
Hint: A burgeoning
market is growing for self-employed, exceptional folks (like you!)
for mortgages. The key person here is the mortgage broker. A very
useful person to get to know. If you are planning on getting a
mortgage when you arrive back, find a good mortgage broker. Skip
banks completely. Skip credit unions (with the exception of perhaps
VanCity they are no longer credit unions anyway, but banks in
disguise)
Keep your overseas bank account and credit card. Leave some cash
in the account to allow you to use your credit cards for 6 months
or more, until you get credit re-established and your new credit
cards in Canada.
Get a job. Any job that pays a decent amount and is with an organization
that is "normal" sounding. Then load up on your financial
needs and tools. Then quit the job. Once you are in the game and
a customer, you have all the tools you need. The hard part is
getting to play in the game in the first place.
Keep low-key financial services idling in Canada. Don't give
up your Canadian credit card. Just don't use it in Canada. Use
it once or twice a year overseas. More risk with CCRA, but at
least you have this tool ready when you come back.
Keep up a relationship with a person of influence in a financial
institution in Canada. A friend or family member in a financial
institution can make the "no credit" problem disappear
- after all, they personally know you went overseas. You are not
a risk: You are an asset to Canada! Bringing home your new-found
worldliness and capital! (Yeah, right!)
Sad note: The division between the haves and the have-nots in Canada
has never been bigger. The have-nots are permanently relegated to
the world of handouts, check cashing rip-off operations, stealing,
fraud, and the black market. The Canadian financial system is contributing
to this problem more now than every before. Unless you are a wage-slave,
you are denied (or have to go through tremendous problems obtaining)
what are now essential tools to helping you be successful and more
efficient in a modern economy: Credit cards, loans, mortgages -
even essentials like a telephone and hydro! You no longer have constitutional
rights to a phone and heat for your house (remember privatization?)
Well, your new telephone *corporation* looks first at your credit
history before giving you service, not your rights as a citizen
of Canada!
- Prepare your children for the change by discussing it with
them early, openly, and fully.
- This is a double edged sword: On one hand it will help with planning.
On the other, it will mean that the last year and the last few months
in particular will be go by slowly . It will mess up friendships
a bit for them. However, it is my philosophy (yours may be different)
that children need to be part of family decisions. By being honest,
open, and keeping them more or less fully up to date on family plans
will mean that your children will be able to actively prepare mentally.
Not telling them until much closer to the move date will shock them
and make them feel helpless and victimized. You will be the one
they take their frustration and insecurities out on as a result!
- Prepare them for the schools they may be going to. If you plan
to home-school in Canada: Find out what the home schooling "climate"
is like in the region you are going to live in.
- Discuss the benefits of your move home. Benefits most often include
time with Grandma and Grandpa, access to great public libraries,
access to Canadian sports, outdoor activities they might not have
had access to, freedoms and rights, etc.
- Get them ready for what you will and won't be taking back to Canada
with you. Furniture, toys, souvenirs, etc.
- Pets, children's vaccinations, driver's licenses, criminal
record checks, ...
- Pets! Britain was notorious for not letting pets into the country
without a 6 month quarantine. If you have owned pets for a long
time, this is no news to you if you have lived overseas. That rule
has changed recently. Now Brits can bring in pets from certain countries
(in the EU) with a vet's sign-off regarding rabies, etc. We knew
people who would go to live in Europe for several months on their
way to Britain just to get a vet's approval for their pets so they
wouldn't have to be quarantined.
What about Canada? If you own a pet, bringing it to Canada is far
less onerous. Check with the Canadian Government's Food Inspection
Agency for the latest rules:
Canadian
Food Inspection Agency. (Thanks to a Canadian
in Australia for suggesting pets for addition to this document)
- Children's vaccinations are another issue of concern to some parents.
Vaccinations are wonderful things from the perspective of public
health. They have minimized or eliminated the threat of some common
illnesses for decades in our societies. But they also cause damaging
and fatal reactions to a small percentage of children. They can
also do other damage to the just forming systems of many more children.
Damage that doesn't show up until later in these children's lives.
Further compounding the debate is that often newer, less harmful
vaccinations are not adopted immediately by public health departments,
doctors and hospitals. So children may be unnecessarily being given
older, more harmful versions.
Every country in the world has different policies on vaccinations.
Many mandate such vaccinations. And each country has a different
brew they give to children at different times. At birth, for example,
my son was given a TB shot. For the rest of his life he will test
positive for TB because of this. However, there was a significant
risk that we would be exposed to TB in the country we lived in and
those we traveled to, so this was a balanced risk for us.
Canada does not require vaccinations at birth nor as a condition
for entry for returning Canadians. However, expect that public schools
do require them on entrance. Can you object and be excused from
this? If you do not want your children vaccinated, likely being
excused will be on a case-by-case basis, depending on the school
or area you are moving to. Or you can fake the paperwork quite easily.
No-one likes playing games with important things you believe strongly
in, but just as most people find in other parts of the world, there
is more than one way to a goal. Sometimes you have to "work
the system" a bit to get what you want in an imperfect world.
(Thanks to a Canadian in Australia
for suggesting vaccinations for addition to this document).
- Laura Walker, a Canadian living in the UK and preparing to take
up residence in Canada, researched driver's licenses and whether
you can exchange your overseas license for a Canadian one without
doing a test. She was able to change her Canadian driver's license
for a UK one when she first went overseas. Ontario, for example,
allows a direct exchange of driver's license if you have more than
2 years driving experience, for "drivers from other Canadian
provinces, Canadian Forces-Europe, U.S.A., Japan, Korea, Switzerland,
Germany, France, Great Britain, Austria and Belgium." For people
from other countries who have let their Canadian driver's licenses
lapse, you may have to take a new test! Check the details noted
on the web sites of the province in which you intend to take up
residence. As well, individual employees at individual offices of
your province's licensing division may interpret your situation
differently. (Thanks Laura for
this information!)
- Criminal record checks are a pain when done from overseas. Laura
Walker in the UK had to get one done from there and found it took
6 months from overseas but could have taken 48 hours from within
Canada. If you need a criminal record check done for a new job in
Canada that you will start upon arrival, getting a record checked
in Canada upon arrival or on the last visit before you arrive home
would make sense. (Thanks Laura
for this information!)
6 months to 3 months ahead of returning to Canada
Jack Novak posed many interesting questions in August 2009
around the following central theme:
Keep your goods and ship them or sell them and travel light?
Jack researched these questions in the context of moving overseas,
wondering if people were happier taking a container of their possessions,
for example, and shipping them back to Canada when they return, or were
happier selling and going originally in suitcases alone.
I (Paul Kurucz) did it both ways. When I first went overseas my boss
there said "Sell everything and bring only suitcases!" We
did just that and unfortunately, regretted do so...sort of. We were
expecting our second child on the way overseas and having a container
load of books, toys, and baby equipment, furniture, etc. would have
really helped. We did get a generous furniture allowance, but in the
end it would have been better, perhaps, given our particular point in
family life to have our "stuff" with us.
On the other hand, we had the opportunity to spend time experiencing
our new country of residence without the emotional comforts, crutches,
and chains of our physical stuff. So we definitely benefited from the
adventure that moving our life in 6 suitcases resulted in.
Your point in life is important, I think: My boss was in his 50's,
had no children, and loved to travel with his wife. To them, moving
meant traveling light and enjoying the freedom of their point in life.
So my boss' first advice made sense...from their perspective.
We did a second tour overseas and this time sent a container and returned
to Canada with one in 2003. Great idea! We loaded up on cool stuff you
can't get in Canada (art, rugs, furniture, etc.) on the way back because
once your container is paid for, you can load it up to the very top
with stuff at basically the same flat rate cost as 1/2 empty.
In summary, a few good starting questions might therefore be:
- Where are you in your life? Do you *need* your stuff for what you
want to do now and for the next few years?
- Do you have a lot of emotional attachments to your stuff? How might
this affect your experience after arriving ?
- What is the cost of shipping versus buying new stuff when you arrive
back in Canada?
- What do you want your life to look like when back in Canada? An
apartment full of stuff might not be an attractive outcome...on the
other hand, an empty 5 bedroom house might not be either!
Please comment on your thoughts and experiences on this question for
addition to this site! (
)
- Find out how people from your part of the world move their household
goods ("hhg") back to Canada. Ask around.
- Check out moving companies and services in your region.
I wanted to fill you in a bit on our experience of shipping our goods
from Bangkok to Vancouver as you provided so many helpful tips for
us (thank you SO much)! Actually, the shipping of our household goods
ended up being one of the areas that went the smoothest in our international
move! We used a shipping company that a friend recommended (and she
had had a friend recommend them to her!) and they were superb. Also,
their agent on the Vancouver end was excellent as well. (If anyone
visits your website and wants a recommendation for a shipping company
in Bangkok, I'd HIGHLY recommend CargoPort Thailand. We dealt with
a gentleman named Tony who was brilliant. Their web site is www.cargoportthailand.com).
One thing that did catch us a bit off guard was that Tony mentioned
they would have to look in each box that we had packed (I guess to
make sure we were in fact only shipping household goods). I panicked
a bit (since we had done our own packing and the boxes were VERY tightly
packed and I didn't want them being totally unpacked) but he simply
looked in the top of each box. It was good that we knew ahead of time
though so that we didn't tape up the boxes too tightly! I also had
prepared a list of the goods we had so they used that as the packing
list.
- Book your moving/shipping company.
- Get a firm price quote.
- Build a clear and professional relationship with your mover.
- Hint: One of
the things I discovered about being successful in life is that
it is not the quality and quantity of what you know that is
important, but how good your questions
are. Part of building a clear and professional relationship
with a mover is asking lots of good questions. If the mover
can answer them well, you have some confidence in their abilities.
They also come to know that you are a customer who they need
to treat professionally. If you get back from your questions:
"Yes, yes! We take care of all that. Just leave it to us!"
this can mean a range possible things, from "they really
know their stuff" to "eeekkkk - my container went
to the Ukraine by mistake?!" In either case, I suggest
asking lots of questions and insisting on clear and full answers,
particularly in the context of your moving company. I found
out lots of things I needed to be prepared for, and that made
my life a lot easier, by asking lots of questions.
- Make sure he/she knows that you will be talking to many fellow
expats about your experience after you move.
John Morrison, a Canadian moving back from the U.S. in 2008
suggests:
Alternatives for reducing moving costs, for those moving from US or
possibly Mexico back to Canada
Consider these ways of reducing moving costs:
- if you have a car, purchase a trailer for it and self drive back
- if you don't have a car or any large items to move back e.g. appliances,
then consider mailing your items using the US mail to a town just the
other side of the border. US mail lets you send domestic mail, up to
70lb in weight for each item. Length plus width plus height of each
item must be less than 130". Cost is approximately $52 per item
close to these maximums. So if you had 20 boxes close to these maximums
that would be $1000. Compare that to $1500 for base rental of a small
1 way truck, before buying gas and other moving costs. You then rent
a truck from your new town in Canada for the day, drive down and pick
up your goods from across the border. At least, this is my plan
Thank you for your site - got me thinking through my move back from
the US!
- Sell off anything (like your cars) that will be hard or expensive
to sell near the time of your departure.
- Many people sell their cars at the last minute before they get on
the airplane for Canada. Car dealers overseas know this and low-ball
you. Since you are desperate, you take what they offer. You regret
keeping it that long. You kept it because you needed it up to the
end, you told yourself. NOT SO! If you had sold it earlier at a price
the vehicle was worth you could have saved thousands of dollars! Here
is how to do it:
- Sell your car early (2-3 months ahead at least)
- Rent a vehicle on a short-term lease for the remaining time.
- You will have pulled your cash out and relieved yourself of
the stress of selling it at the last minute. You will have a frightening
amount of stuff to do at the end before you leave. Save yourself
the extra grief of trying to get rid of your vehicle at the last
minute.
- The money you save by getting a good price will often cover
the short-term lease and more!!
- Another bonus: You don't have to worry about maintenance, repairs
or possible breakdowns in the last few months!
- If you wish to bring your car home with you, note that you can
only import cars from the U.S. and only under certain conditions.
- If you originally shipped the car overseas from Canada,
you should be able to ship it back to Canada, as long as it
has not been modified mechanically.
- Details on importing vehicles to Canada can be found on
the Canada Customs web site.
- Begin making contacts in Canada for jobs, social events, social groups,
etc. which you want to get involved in when you arrive. Making connections
now will make the transition easier. If you have favorite musical concert
to look forward to when you arrive this will be another anchor in Canada
you can hold onto during the frantic last minute preparations. Have
a camping trip planned with your kids. Have a family reunion planned.
Stuff like that.
- Get a job in Canada ahead of time...if you can. Unless you are retiring
back to Canada (which many people are), getting work in Canada is one
of the big challenges you might face. Why? There is an old saying that
a house that is lived in is easier to sell than one that isn't. The
same applies to getting a job in Canada: Having one means it is easer
to get another from your current position - an employed person seems
more attractive than an unemployed one. Human nature is kicking in here.
Now add in the fact that the job you just had was not in Canada, nor
perhaps in some recognizable place like the U.S. and you have a first
screening disadvantage on jobs you apply for. I once had a middle-aged
gentleman from the UK apply for a job that I was hiring for (in Canada).
He had a "Higher National Diploma". I required a "Bachelor
Degree". Guess what? In my youthful ignorance I assumed it wasn't
comparable or valuable enough and he didn't get past first screening.
In later years when I learned what a Higher National Diplomas was -
bascially equivalent to a Bachelor's degree - I realized that he was
not only qualified, but likely an excellent candidate - sigh.
How do you beat this seeming disadvantage when you are returning to
Canada and want to find employment? Some tips :
- Great real estate: "location, location, location". Great
jobs: "networking, networking, networking". OK, so networking
can feel distasteful to many people. But it is necessary for most.
Some networking suggestions:
- Join service groups like Rotary. They are international, so
why not do join in your overseas location before you return?
Then you can transfer over and find yourself smack in the middle
of a group of welcoming, supportive people (= job)
- A lot of cities in Canada have "newcomers" clubs
for anyone new to the city for less than 2 years.
- Use your industry association to make contacts by attending
trade shows/fairs/conventions in the year before you come back.
- Come back 1-3 months ahead and just knock on doors of organizations
directly in line with your experience and interests. Or make
contact with their overseas branch in the location you are in
and ask for Canadian contacts from the folks in the overseas
branch. They might be more willing to help, often being expats
themselves, than those in the Canadian location.
- Talk to people, talk to people, talk to people. Canadian friends,
former Canadian co-workers & bosses, family members. Let
them know you are looking for work after arriving back from
an exciting time overseas. Your excitement over returning to
Canada and cool anecdotal stories you share will go a long way
to Canadian employers seeing you as interesting. Remember: Most
Canadians want to travel. You are a kind of "hero"
to them - you not only traveled, but LIVED overseas. Cool. Share
this "Cool" with them. And watch your excitement turn
into an interesting opportunity here in Canada for you through
networking.
- Start your own business. Really.
- Seek out a smaller firm that does business internationally. They
will understand you better than a 23 year old assistant manager
of the XYZ local credit union in ABC town in any province in Canada.
- Go back to work overseas...but live in Canada. Many opportunities
exist to help other countries export to Canada. Examples, students
from other countries who want to study in Canada. Firms who wish
to export to Canada. You can be their agent, start their local subsidiary
in Canada, or act as their agent here. Cool.
- Network with everyone and anyone you meet in Canada and abroad.
Tell them your story. Oh, yes, I already mentioned networking as
the best (yes, the best) way to get a great job fast in Canada.
- Did I mention networking?
The last month before you leave for Canada
- Get your cash out of the country you are in to an off-shore account
or back to Canada.
- A practical policy for keeping things clean with CCRA is "Cash
into Canada, then you, then your goods". In that order. This
is very important. You must arrive physically before your shipped
container of hhg arrives.
- Goods that proceed you are a problem as you are not there to clear
them. And you may be deemed resident from that point forward by
CCRA. Which means you pay tax on your final earnings overseas!
- If significant amounts of money arrive in the months after you
arrive, CCRA may question whether this is income earned after you
took up residency in Canada. Ooooopppssss!!!
- Get your B4 form (also called B4-05e), carefully fill it out and get
required documents prepared. This document, a PDF guide for returning
residents, and much more is available from the new "Canadian Border
Services Agency" web site - link as of August 2008:
http://cbsa-asfc.gc.ca/
B4 form link:
http://cbsa-asfc.gc.ca/publications/forms-formulaires/b4-eng.pdf
Thank you to Laura Walker in the UK for this information.
- Pack your B4 form and required documents in your handbag (not your
suitcase!) that you will be carrying onto your plane. You will need
these at passport control at the Canadian airport at which you arrive.
- Move your e-mail account over to an international or Canadian internet
service provider. Then you can ensure more or less seamless transfer
of your on-line presence.
- Make a time line oriented check list of all the things you need to
do. Particularly for the last 2 weeks and last 2 days.
- Pack, pack, pack.
- Do not pack the following:
- Alcohol...unless you know exactly what you are allowed to
bring into Canada - check with Customs and you must obtain an
import declaration from your provinces Provincial Liquor Control
Board. You will most likely have to pay duties on anything over
your personal allowance.
- Same applies to tobacco but less paperwork.
- Food products, including seeds, clippings, branches, spices,
etc. DO NOT PACK FOOD. When your shipment arrives in Canada
it will be held up by Agriculture Canada until they are satisfied
there are not possibly contaminating food, molds, or contaminating
non-native plants or organisms.
- Firearms (duh!) One of the nice things about Canada is that
guns are not pervasive. Let's keep it that way!
- Illegal hunting trophies or souvenirs (i.e. ivory, etc.).
Usual banned stuff.
- Any goods that belong to someone else. This messes up the
process and could mean the difference between a costly and damaging
search of your goods and a simple "You're cleared!".
Either declare all the goods yours or don't bring other people's
stuff with you. Get them to ship their own.
- Anything else you don't want confiscated by Customs if they
search your container.
- Special packing considerations:
- Any item over C$10,000 is a problem. You may have to pay tax
and other complications can occur. Best not to bring any item
over C$10,000 unless you really must. And then do your homework
ahead of time on issues relating to this with CCRA.
- Any cars, boats, motorcycles, motorbikes, motor homes, aircraft,
etc. Check with CCRA on importing regulations or requirements.
- Gifts - minimize the value of gifts you are bringing in. If
gifts have a high value you get into tax and import duties considerations.
Simple rule: Keep total value of gifts under C$100 and you won't
have any trouble.
- All goods must be owned and in your possession for more than
6 months. Have receipts to prove this with you for any possibly
contentious items you may be bringing in.
- Prepare and send out change of address notifications.
- Prepare your health insurance in Canada. This is an important one:
For some incredible reason, you will not get health coverage by Canada's
"universal" health care system for the first 3 months you
are resident again in Canada if you are moving home to British
Columbia, Ontario, Quebec, or New Brunswick. Other provinces
do not require a waiting period - simply apply for immediate coverage
to the health authority in the province you are settling in.
- If you are moving back home to BC, ON, PQ, or NB, you have three
choices:
- Have your overseas health coverage extended for 3 months past your
return date. If you have a good track record with your overseas health
insurance, they may be able to offer this coverage. Or your employer
overseas might pick it up. If you are simply being transferred home
by an employer, they likely will cover this anyway.
- Buy 3 months worth of health insurance here in Canada. The cost
can be quite high: We checked into it for our family of 4. $700+ for
coverage up to $60k, with a large deductible.
- Go three months without health insurance. You assume the risk and
potential costs of any health issues that come up. Risking no coverage,
if you are in good health, it is another option. After all, 4 billion
people or more in this world have no "health coverage" or
even access to western-style medical care. Is it so ridiculous to
think that you might go three months without coverage and still emerge
whole, sane, and with your finances intact?
Jane, a Canadian moving back from the U.S. in 2008 notes her
reason for returning to Canada:
"I am a 60 yr. old, unemployed, female moving back to Ontario
because I can no longer afford to live in the U.S.A. without health
care...."
What is the value of the Canadian health care system? If in doubt,
watch Michael Moore's film "Sicko".
And note that health care is not free in Canada - in BC unless your
employer pays it, you pay $57 per month for your health care...
Kate, moving back to the province of Manitoba in 2010, comments
on the waiting period for her health care coverage:
"One item you should re-investigate is the section on Health Care
Coverage. We are returning to Canada and have been assured by Manitoba
Health that we can be covered, as soon as we register with them, As
long as we provide certain documents to them immediately: Proof of residence
(i.e. proof of property purchase), our airline tickets (showing when
we arrived), and proof of citizenship. There may be other requirements
by province, but it is really unfortunate if there are people believing
they must go 3 months without coverage and/or paying ridiculous fees
for coverage...
...It is possible that insurance companies are not aware of this situation
(at least not the one we originally contacted and Luckily did not pay
for!), Or that they choose to be ignorant to this situation. We were
lucky that we phoned Manitoba Health to clarify when our coverage would
start, before paying an insurance company."
Follow-up: Kate is correct: Manitoba does not require
a waiting period. However, British Columbia, Ontario, Quebec,
and New Brunswick do require a 3-month waiting period for public health
insurance to start.
Part 2: Preparations you can do, and should do,
while vacationing in Canada for the last time before moving home.
- The last vacation you take before returning home is a wonderful time
to prepare for your move home. Some of the things you can do:
- Set up schooling or homeschooling for your kids.
- Buy a house.
- Set up a bank account (not a credit card, however - remember CCRA
residency issues)
- Research where you want to live.
- ...
- Set up a contact address, phone number, fax number, and e-mail address.
This is important. When you prepare your paperwork for the shipment
and the shipping company you must have a Canadian destination address,
a Canadian contact phone number, and a fax number. Use a relative's
number if you can be sure that you can be easily reached at these numbers.
You will get several phone calls and faxes after you arrive. Be ready
for them.
- HINT: The rest of
the world has moved to e-mail. The shipping industry has not. They
rely on faxes and it really throws them off if you say you don't
have access to a private fax machine. Prepare for this: Get access
to a fax machine and fax number to receive faxes before you arrive
home. IMPORTANT: Many of the communications will be time sensitive.
Missing an Agriculture Canada or shipping company fax could mean
your shipment will be sitting at a dock and you won't know. Each
day it is sitting in port can mean $100 or more a day in port charges
(!)
 Part
3: What you can do, and need to do, once you arrive in Canada.
At the airport when you arrive:
- What to have on you, and ready to present, upon leaving the
plane:
- Returning Canadian Residents (Canadian citizens returning to take
up residency in Canada):
- Your completed B4 form
- Your inventory of goods to follow - a packing list, preferably
valued of what will be following you in a container or whatever
other shipping method you choose. You will need to declare at
least a total C$ figure of what your goods are worth.
- Your passports
- Liquor permit if you have decided to bring alcohol into Canada.
- Immigration papers if you are not Canadian citizens.
- Receipts for any item that Customs might want proof that it
was in your possession for more than 6 months. Persian rugs,
expensive art, computers, etc.
- If you are not a Canadian citizen - you are immigrating, coming
with a work permit, or are bringing in an inheritance, the paperwork
differs. Check with CBSA and CCRA for details on what you need.
- Declare to the Passport Control person that you are
resuming residency in Canada. They will steer you towards the right
person.
- HINT: Having your
neatly completed B4 and inventory in hand will please and delight
the CCRA personnel who will work on the paperwork you need to clear
your goods later. Pleasing and delighting CCRA staff by making their
lives easier (ie. they don't have to fill out the B4 or ask you
too many questions) will mean a reduced risk of hassle in clearing
yourselves now and your goods later.
Carrying $10,000 or more with you when you arrive? A suggestion
from Patty Juno in Dec. 2009:
"Would add one thing to Part 3:... the form if you are carrying
more than 10K in currency - which returning teachers sometimes have,
having just got their last paychecks and cleared out their bank accounts
in the country they are leaving, etc."
[The CBSA web page entitled "Crossing
the border with $10,000 or more?"]
[The CBSA Form
E677, Cross-Border Currency or Monetary Instruments Report - Individual]
In the first week after you arrive:
- Take regular fun breaks. Make moving home an adventure.
- Hint: Get inexpensive
but spacious accommodation and a vehicle - FAST. The sooner you
get these, the sooner your bank account stops hemorrhaging.
- Phone the local representative of the shipping company. Their partner
company in Canada who will physically and paperwork-wise handle your
shipment. Introduce yourself and let them know you have arrived and
are awaiting your shipment. They may have paperwork for you to fill
out or instructions on how to deal with Customs clearance.
- Everything is different and you are in the early honeymoon phase of
moving home. Enjoy it, but also make sure that your honeymoon isn't
seen differently by extended family members who haven't left Canada...spend
time with them, but not too much!
In the first 2 months after you arrive:
- Obtaining Agriculture Canada Clearance:
One family's experience
in late 2008:
When we got to the Vancouver airport, I went to the customs area to
present the form B4. It seems they no longer process things the same
way. They asked how old the stuff was that we were bringing WITH us
and that was it. Then, they gave me a sheet of paper with a phone number
to call once our goods arrived in Thailand. No B4 form or any other
forms! This made me a bit nervous but, when our goods did arrive in
Vancouver, we called the number on the sheet of paper and made an appointment
(well, they actually told us when to come) with Canada Border Services
Agency. As per your advice, I didn't send my husband solo to our appointment!!
In fact, my husband and I and two young daughters all went together.
It was a breeze! The agent was delightful and gave my girls stickers
and even let them stamp our paperwork! We were in and out very quickly
and she faxed the necessary documents to the shipping agent right away
so our goods could be released. Wow!
Michelle Gay, a Canadian who moved back from Asia in late 2007,
writes:
One thing that has really struck me - I have been back for 10 months...is
that people move on. I really thought that the friends and family who
I kept coming to visit all those years....were in a strange sense waiting
for me to pick up where we left off. Coming back I realized that my
relationships were kept alive because for the most part, I initiated
them (called people to say I was coming home and do the driving to see
them). Now that I'm back, I realize people moved on a long time ago
and I've just been visiting their lives over the years. So in moving
back, my insights would be to tell people that moving back is in many
ways just like starting over again. You should prepare to carve out
your life and reinvent yourself again.
I'm still loving the English speaking world though! I lived in Asia
for over eight years and wow - to join a class, to eavesdrop on the
bus, to walk into the store and listen to advertisements...I'm still
appreciating being able to understand my environment.
Mrs. Arti Meyers, now in Toronto, generously shares her experiences
and tips:
We have been back in Canada for 11 months now. We left in 1989 for
the first time, and then since then have lived in London twice, Barbados
and New York. Since 1989, we have lived in Canada for 3 years, dropping
in and out.
This was our 3rd return home.... and maybe three times lucky. We find
that the move HOME is always the most difficult move to make... because
we expect or want it to be comfortable, natural and easy.... but this
is usually not the case. I have to admit that the 3rd move home has
been the best of the three. Perhaps this is because we have learned
about what to expect, and have learned a few tricks.... or perhaps
its because we are older and wiser....
Things that were particularly trying
this year were trying to find a doctor in the Toronto area.... public
health care in Canada seems to be a big problem here now. Be sure
to go and get your health cards immediately, and probably the best
short term health care option is to go to the walk in clinics that
are set up. They are better than I had expected, and after waiting
an hour or two, at least the problem gets dealt with. (personally,
I prefer the British health care system that offers people the choice.....
We used our local public care when it was convenient, quick and we
felt confident with it, and when we had something of more concern,
or something we needed attended to immediately, we used private health
care.... we could use both, and that made a lot of sense!)
The other huge pain in the ***** was
the telephone company! We thought we'd go with Rogers for cable, internet,
phone and cells... for 5 people. They overcharged us by hundreds of
dollars every month ---for months, and honestly June was the first
time that we received a correct bill. Do you know how many hours on
the telephone this took - This is a problem.
The other problem is in terms of work.... and if you have been out
of the loop for a long time, it is really difficult and hard to work
to get the network going again, to try to get work. The networking
is key, and this was what my husband did... but honestly after almost
20 years away, the network is more outside of Canada than within Canada....
and that is ok because we have lived globally, and that is really
our community.(My husband is now a consultant and this trip is in
the Middle East and Europe!)
In terms of aclimating, my 16 year old son did this seamlessly. Here
is a tip. Get involved right away in something that you are
passionate about... he is a sports guy, and joined the football team
on the 3rd day of school... then the rugby team.... it was a great
way to meet good guys, be involved and slip right into the middle
of high school! My daughter started university here at Queens in Kingston,
Ontario, and although she missed London and her friends there, she
said that it was so easy to meet friends, and this was a natural time
of change, so this was also seamless.... that is another point, that
if you can make the moves at natural change times, and that makes
things much easier.
In terms of the family and friend interaction... this was a really
upsetting one in moves gone by,...but this time we were wiser, so
were not expecting hugs and kisses and weekly visits...... It was
as we knew it would be on move home #3..... our dearest closest friends
were there for us and continue to be our dearest friends....Our families
were there a bit overall....and that was just fine. I think that the
trick is to understand that you have been away, and that people have
continued their lives without you.... so it is best to just try to
make sure that you are creating an independent life, without overly
relying on old supports.
Finally, after having been part of womens groups in new york, london
and barbados....I thought that I would join the Newcomers Club in
Toronto (we had never lived in Toronto) , so that I could stay involed
in expat type activites with a more international crowd who had a
fresh view of Canada and the city. This was a good idea, and a great
insurance policy in case things with old friends & family was
dull or not magic.... as it turned out for me, I was so busy with
my nuclear family, old friends and greater family, I had little time
for this.... BUT ... I would recommend it as a good idea, and a way
to make the transition easier.
(July 2008 - Thank you, Arti!)
- You will face lots of challenges and enjoyments. Watch for typical
culture shock and some ups and downs of emotions, but bear with them:
They are natural.
Good luck and welcome back to Canada!
Useful Links
- Canadian Border
Services Agency - Created in 2003, this agency and this web site
has the B4 form and lots of other information and resources or returning
residents. (Thanks to a Laura Walker
in UK for finding this new agency web site and sending it to me for
inclusion here).
- Canada Customs
and Revenue Agency - CCRA - main site
- Williams Moving
International - a major Canadian moving company that handles international
HHG moving.
- Crown Worldwide
- Relocations - a top tier mover (one of the best). Expensive but
thorough. Specialize in many parts of the world in moving corporate
and oil industry expats, so offices in Toronto and Alberta but not other
parts of Canada.
- Allied Pickfords
- This is a top tier mover (one of the best). Expensive but thorough.
There is an Allied moving company in Canada that went bankrupt in 2002/3.
But this is a different company from Allied Pickfords.
- Canukabroad.com
- Well, the name says it all. Some relocation information and other
goodies on this site. 2010 Update: Seems to be more of a travel site
now...
- Escapeartist.com
- The name does not say it all. Information for expats and wannabe expats
now living in Canada. Some useful resources and lots of links to other
potentially useful sites.
- Canadianexpatriatetax.com
- "Robert R. MacDonald - Canadian Expatriate Tax Consultant".
'Nuff said.
- Canadiansresidentabroad.com
- More to do with investing your money and avoiding being declared resident
of Canada, but regular articles on preparing to come home. Focus of
this company is selling investment products and tax consulting services,
but they have some useful resources in their newsletters and on their
web site.
- NEW! thecanadianexpat.com
- Lots of useful resources and links here for Canadian expats abroad.
- NEW! OneStop
Canada - Customs and Immigration - a great resource page with links
to useful CBSA resources and forms for when you arrive back to Canada.
(Thanks to Patty Juno for suggesting this page for
inclusion here!)
- NEW! X-expats.com
- "Helping repatriates and X-expatriates reassimilate into their
home country's culture and practices" A newer site about returning
home. Resources, videos, and more coming.
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