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As a Canadian citizen living abroad, it’s not uncommon to feel the pull back to your country of citizenship. However, moving back to Canada comes with a few complications.
If you’ve been living abroad as a Canadian citizen and choose to move back home to Canada, there are several steps that you’ll have to take before you can resume your “normal” life as a Canadian resident. Even if you are a Canadian citizen, you will still have to prove that you have returned permanently, and set up resources like banking, healthcare, and more.
Today, we’ll talk about how Canadian citizens can move back to Canada after an extended absence, and what they’ll need to do to ensure that their move and resettlement process is a success.
The Basics of Repatriation
Moving back to Canada as a Canadian citizen is technically called repatriation. If you are a Canadian citizen, you are entitled to return to Canada at any time to re-establish your residency. However, it may not be so simple if you got married or had children while away, and want them to return to Canada with you.
If you have a non-Canadian child, spouse, or common-law partner, you will need to apply for sponsorship so they can enter the country legally. If you have questions, you can book a consultation with one of our recommended immigration consultant partners, who can help with your application and correct any errors that may delay its processing.
Get Your Passport
If you don’t have a Canadian passport, that should be the first step in your repatriation process, and should be done at least a year ahead of your intended move date. The application process is easy and requires some paperwork that will vary depending on if you have proof of Canadian citizenship or not.
Once you arrive in Canada you will receive other forms of ID which are attached to various government services, such as healthcare.
Choosing Your Destination
If you haven’t lived in Canada for a few years, it may surprise you how much things have changed in the places where you used to live. The Consumer Price Index in Canada measures the average change in price by area over time, and it may be a good place to start to see how much inflation has affected each province. From there, you can use your budget and expected career to determine an ideal location to settle.
With the rise of remote work, there’s a lot more flexibility to be away from expensive cities like Vancouver and Toronto. Why not explore some of the fastest-growing regions in Canada, including:
- Halifax, NS
- Oshawa, ON
- Kitchener-Cambridge-Waterloo, ON
- Kelowna, BC
- Calgary, AB
- Saskatoon, SK
- Ottawa-Gatineau, ON/QC
- Trois-Rivieres, QC
Finding your ideal accommodation can be a challenge, especially if you’re doing it from abroad. It may be worth renting accommodations initially, or staying in a short-term rental like an Airbnb until you can find a place you love.
In Canada, non-residents are subject to certain rules when purchasing real estate, including a minimum 35% down payment. If that is not doable for you, it may be best to wait to purchase real estate until you’ve established residency in Canada.
There are lots of resources that can help you find the right place to live. If you are renting, you can scour public listing sites like Craiglist or Kijiji, or a housing-focused site like Padmapper or ViewIt.
If you’re looking to buy, start getting a sense of the market by browsing through Zillow Canada or Zoocasa. And, check out our guide on buying your first home in Canada.
Registering for Healthcare Coverage
Even if you were previously registered for Canadian healthcare, you will need to re-register when you repatriate to Canada. In Canada, publicly funded healthcare is administered by each province, and where you live will determine the details of the application process.
Getting healthcare for newcomers to Canada is not complex, but it does typically require an application form, which you’ll need to submit in full along with proof of your Canadian legal status and residency. Depending on where you live, you may need to wait 3 months for your healthcare coverage to activate.
If you need to wait a few months before your provincial healthcare coverage kicks in, it’s worthwhile to consider purchasing private health insurance while you wait — just in case of emergencies. We recommend starting with a free quote from our trusted insurance partner, Cigna.
Getting a Phone
Despite being such a vast country, Canada has relatively few large telecom companies, as well as several other small regional carriers. The biggest telecom companies in Canada include:
Within these companies, there may be smaller flanker brands like Koodo, Public Mobile, and Fido. These smaller providers are owned by the same large conglomerates but offer different packages and rates.
Don’t purchase a new phone plan without reading through our comprehensive guide on how to choose the best phone provider in Canada. When setting up your phone, it may be advantageous to bundle several services together, such as multiple mobile lines, or your TV service and cell service.
Moving2Canada has partnered up with a smaller Canadian cell phone provider, PhoneBox, who offer some of the most affordable plans on the market. Plus, they make it easy for you to sign up and have a SIM card shipped anywhere in the world (for free!). Check out our exclusive deals and get $10 off your first month here.
Organize Your Banking
Like its telecom services, banking in Canada is largely controlled by a few major corporations, known as the Big Five. They are:
- Royal Bank of Canada (RBC)
- Toronto-Dominion (TD) Bank
- Bank of Nova Scotia (Scotiabank)
- Bank of Montreal (BMO)
- The Canadian Imperial Bank of Commerce (CIBC)
In recent years, other international banks have emerged in Canada’s newcomer market, like HSBC. Each of these banks offers a similar level of service, but one may be better than the other for your needs depending on where you live.
When you first arrive back in Canada, you’ll need to set up your banking. Although in recent years some banks have been making efforts to allow new account holders to set up bank accounts while before arriving in Canada
For details on choosing a Canadian bank, check out our guide on banking in Canada.
Double-Check Other Responsibilities
This is just the beginning of the list of things you’ll need to accomplish once you move back to Canada. Getting a driver’s license, learning how to pay Canadian taxes, getting a credit card, and finding a doctor are all things that should be accomplished within your first months in Canada.
However, don’t let yourself get overwhelmed! Canada is a friendly and welcoming country, and there are always people available to help.
At Moving2Canada, our goal is to deliver fast and accurate immigration news to newcomers to Canada. Even if you aren’t going through the immigration process, there still may be things you have questions about. Sign up for a free Moving2Canada account to learn more about what you should be doing during your first days, weeks, and months back in Canada.
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