Pre-Arrival Planning
The 60–90 days before your departure from your home country are the most critical period. Immigration documents, financial setup, and logistical planning done in advance prevent costly gaps and delays on arrival.
- Confirm your immigration document is valid and your work permit / PR confirmation of permanent residence is in hand before purchasing flights
- Pre-arrival bank account: RBC, Scotiabank, and TD all offer newcomer banking accounts you can open before arriving with your immigration status documents
- Book your first 4–8 weeks of accommodation before arrival — extended stay hotels, furnished apartments, or a confirmed short-term rental
- Obtain a comprehensive health insurance policy for the provincial waiting period (90 days) from Manulife, Sun Life, Blue Cross, or Tugo
- Notify your home country bank of your move to avoid card blocks; consider keeping a home country credit card active for international purchases
- Begin the credential recognition process if you're in a regulated profession (engineering, medicine, nursing, law) — some take 12–18 months
- Join settlement agencies online before arriving: ACCES Employment (Toronto), MOSAIC (Vancouver), COSTI Immigrant Services — many offer pre-arrival services
