Having recently returned from the UK, and landing in Alberta, then settling in British Columbia, all the paperwork made me realize just how different each province functions. It’s a bit like all the countries within the Euro zone. Certain things are common to all, and other aspects are completely different. It is well worth the time to investigate these things before choosing your immigration destination.
Taxes: Canada has a national tax, the Goods and Services tax (GST). However, it is charged differently in different provinces and territories. It applies to most property and services. However, some provinces ‘harmonized’ it with their provincial sales tax creating the HST. Alberta is the only province in Canada with no provincial sales tax. Combined provincial and federal tax can be as high as 15%. And, in most cases the taxes are added on after the sale amount of goods and services. This can all add up to a bit of shock to your pocketbook when purchasing larger items. And, just because a province has a ‘lower’ sales tax, doesn’t mean their cost of living is lower. Do some research.
Medicare: Canada has universal medical coverage. However, access and fees for it vary from one end of the country to another, creating 13 mini plans. For example medical fees for a family of two in British Columbia are $121; in Alberta there is no fee; in Ontario it is based on your taxable income.
Automobile Insurance: In many provinces this is provided by private companies and ‘shop around’ is the best advice. In others, BC, Saskatchewan and Manitoba, it is provided by the government, with some authorized agents. One thing is for certain across the board, bring proof of your claims history, on letterhead from the insuring company. A good history, usually 8 years no claims, can cut as much as 40% from your annual fee.
And, in many cases Quebec has a different process than the other provinces.
So, when choosing your destination, be sure to look at many things related to day-to-day living costs. You might be surprised at the differences. It is one big country with many small governing areas – provinces and territories – doing their own thing. Stats Canada’s Consumer Price Index Reports are a great source of information.