OHIP Coverage – 30 days requirement or 153 days out of 183 days ) – FAQ

Q: I moved from Manitoba to Ontario recently. I was covered in Manitoba Health Plan, will I be required to be in Ontario for 153 days out of 183 days to be eligible for OHIP.

A: The OHIP administration says that if you are covered by health insurance from any province before moving to Ontario, this condition does NOT apply. So you are free to go out of Ontario for more than 30 days after establishing your residency in Ontario and OHIP will cover you for your doctor visits.

Q: I am a new immigrant coming to Toronto, ON from the UK and I am planning to do a trip to Japan, where my parents live, for 2 months. When will my OHIP coverage start?

A: Since you are a new immigrant in Ontario, you will need to wait for 3 months for your OHIP coverage to begin. Also since you are going to be out of Ontario for more than 30 days, your 3 month wait period will start on the day you are back from Japan to Ontario.

Filed under: Post-Landing

Rental Car coverage when driving to US – Coverage by CAA

If you are a resident of Canada and have Car Insurance with CAA, you will be in for a surprise when you plan to drive your car or rental car to the US.

If you hold only liability coverage with CAA, they do not cover for your liability when you drive to the U.S. That means when you cross the border with your rental car to US from Canada, you are liable for any accidents/incidents that happens. So Canadababa advises fellow subscribers to please get the comprehensive coverage provided by the Rental Car Agency.

Filed under: Post-Landing

Car Insurance in Ontario

If you are moving from US (United States) to Canada and are trying to get Car Insurance in Ontario you are in for a big shock.

The premiums are much higher when compared to the U.S. For example, one of Canadababa’ regular subscriber was paying $300 per year in California for liability coverage and when he moved to Toronto, Ontario his premium charged was $1500 per year.

You will think that is five times higher, but here is the thing. He had all documentation to prove his driving history in the U.S which provided him with the $1500 discount rate.

So if you do not have such history, get ready for a higher Car Insurance rate.

Here are some tips to save money.

  1. Bring your driving record history, if you are moving in from US or the UK, you can get your driving history from the Department of Motor Vehicles. The more the number of years the better it is.
  2. Get history of your car Insurance. It should also be uninterrupted aka, you should have a continous coverage of car Insurance from the country you are moving in from. This record you can get it from your current Car Insurnace company. Some States and countries will provide this information from their Department of Motor Vehicles.
  3. Get CAA club membership, this will significantly reduce your premiums with CAA.
  4. Get additional discounts for Renters and Home Insurance when you go with the same company, for ex: if you get Renters and Car Insurance from CAA, they will give you additional discount.
Filed under: Post-Landing

Service Canada Locations in GTA

Brampton Service Canada Centre
18 Corporation Drive
Brampton, ON

Malton Service Canada Centre
6877 Goreway Drive , Unit 5
Malton, ON

Mississauga East Service Canada Centre
2525 Dixie Road
Mississauga, ON

Mississauga West Service Canada Centre
3085 Glen Erin Drive
Mississauga, ON

Richmond Hill Service Canada Centre
35 Beresford Drive
Richmond Hill, ON

Toronto – Willowdale Service Canada Centre
Joseph Shepard Building, Floor 1
4900 Yonge Street
North York, ON

Toronto – Canada Quay Service Canada Centre
235 Queens Quay West
Toronto, ON

Toronto – Centre Service Canada Centre
Arthur Meighen Building, Floor 1
25 St. Clair Avenue East
Toronto, ON

Toronto – Gerrard Square Service Canada Centre
1000 Gerrard Street East , Floor 2, Unit DD10/11
Toronto, ON

Toronto – Lawrence Square Service Canada Centre
Lawrence Square, Suite 103-105
700 Lawrence Ave West
North York, ON

Toronto – Malvern Service Canada Centre
31 Tapscott Road
Toronto, ON

Toronto – Scarborough Service Canada Centre
Canada Centre, Floor 1
200 Town Centre Court
Scarborough, ON

Toronto City Hall Service Canada Centre
City Hall, Floor 1
100 Queen Street West
Toronto, ON

Toronto Dufferin Mall Service Canada Centre
Dufferin Mall, Suite 0001
900 Dufferin Street
Toronto, ON

Toronto Etobicoke Service Canada Centre
5343 Dundas Street West
Etobicoke, ON

Toronto North Service Canada Centre
3737 Chesswood Drive
Downsview, ON

For Service Canada Locations in GTA

Filed under: Post-Landing

Service Canada Locations in Ontario

Ajax Service Canada Centre
320 Harwood Avenue
Ajax, ON

Arnprior Service Canada Centre
Heritage Square, Suite 1 & 2
75 Elgin Street West
Arnprior, ON

Bancroft Service Canada Centre
Fairway Plaza
5 Fairway Boulevard
Bancroft, ON

Barrie Service Canada Centre
48 Owen Street , Floor 01
Barrie, ON

Belleville Service Canada Centre
Business Building, Floor 2
1 North Front Street
Belleville, ON

Bracebridge Service Canada Centre
Federal Building, Floor 2
98 Manitoba Street
Bracebridge, ON

Brantford Service Canada Centre
58 Dalhousie Street , Floor 2
Brantford, ON

Brockville Service Canada Centre
The Fuller Building, Floor 1
14 Court House Ave.
Brockville, ON

Burlington Service Canada Centre
Burlington Resources Centre
440 Elizabeth Street
Burlington, ON

Cambridge Service Canada Centre
350 Conestoga Blvd , Unit C2
Cambridge, ON

Carleton Place Service Canada Centre
46 Lansdowne Avenue
Carleton Place, ON

Chatham-Kent Service Canada Centre
Federal Building
120 Wellington Street West
Chatham, ON

Cobourg Service Canada Centre
Fleming Building, Suite 103
1005 Elgin Street West
Cobourg, ON

Collingwood Service Canada Centre
44 Hurontario Street
Collingwood, ON

Cornwall Service Canada Centre
111 Water Street East , Suite 100
Cornwall, ON

Dryden Service Canada Centre
41C Duke Street
Dryden, ON

Elliot Lake Service Canada Centre
Algo Centre, Floor 1
151 Ontario Avenue
Elliot Lake, ON

Espanola Service Canada Centre
721 Centre Street , Suite 2 & 3
Espanola, ON

Fort Frances Service Canada Centre
301 Scott Street
Fort Frances, ON

Gananoque Service Canada Centre
5 Charles Street South
Gananoque, ON

Georgetown Service Canada Centre
232 Guelph Street , Floor 1
Georgetown, ON

Geraldton Service Canada Centre
208 Beamish Avenue W.
Geraldton, ON

Goderich Service Canada Centre
52 East Street
Goderich, ON

Guelph Service Canada Centre
259 Woodlawn Road West , Suite C
Guelph, ON

Hamilton East Service Canada Centre
2255 Barton Street East
Hamilton, ON

Hamilton Service Canada Centre
1550 Upper James Street , Floor 1
Hamilton, ON

Hawkesbury Service Canada Centre
134 Main Street East
Hawkesbury, ON

Kapuskasing Service Canada Centre
8 Queen Street
Kapuskasing, ON

Kenora Service Canada Centre
Kenora Market Square, Floor 2
308 Second Street South
Kenora, ON

Kingston Service Canada Centre
299 Concession Street
Kingston, ON

Kirkland Lake Service Canada Centre
Ontario Northlands Telecommunications
10 Government Road East
Kirkland Lake, ON

Kitchener Service Canada Centre
409 Weber Street West
Kitchener, ON

Leamington Service Canada Centre
Leamington Mall
215 Talbot Street East
Leamington, ON

Lindsay Service Canada Centre
65 Kent Street West
Lindsay, ON

Listowel Service Canada Centre
Federal Building
210 Main Street East
Listowel, ON

London Service Canada Centre
Dominion Public Building
457 Richmond St.
London, ON

Marathon Service Canada Centre
52 Peninsula Road , Suite 105
Marathon, ON

Midland Service Canada Centre
Huronia Mall
9225 Hwy 93
Midland, ON

Milton Service Canada Centre
Trafalgar Square
310 Main Street East
Milton, ON

Napanee Service Canada Centre
Murphy’s Plaza
2 Dairy Avenue
Napanee, ON

New Liskeard Service Canada Centre
290 Armstrong Street North
New Liskeard, ON

Newmarket Service Canada Centre
The Tannery Mall – East Entrance (access from Parking lot only), Suite 100
465 Davis Drive
Newmarket, ON

Niagara Falls Service Canada Centre
Customs Building
5853 Peer Street
Niagara Falls, ON

North Bay Service Canada Centre
Canada Place, Suite 102
107 Shirreff Avenue
North Bay, ON

Oakville Service Canada Centre
117 Cross Avenue, Unit B5
Oakville, ON

Orangeville Service Canada Centre
102-210 Broadway Avenue
Orangeville, ON

Orillia Service Canada Centre
50 Andrew Street South , Suite 101
Orillia, ON

Oshawa Service Canada Centre
78 Richmond Street West
Oshawa, ON

Ottawa Centre Service Canada Centre
L’Esplanade Laurier, Floor 2
300 Laurier Avenue West
Ottawa, ON

Ottawa East Service Canada Centre
Beacon Hill Shopping Centre
2339 Ogilvie Road
Gloucester, ON

Ottawa Government Service Centre
110 Laurier Avenue West
Ottawa, ON

Ottawa West Service Canada Centre
Lincoln Fields Galleria, Floor 1
2525 Carling Avenue
Ottawa, On

Owen Sound Service Canada Centre
Parkway Professional Building, Suite 1
1450 1st Avenue West
Owen Sound, ON

Parry Sound Service Canada Centre
74 James Street
Parry Sound, ON

Pembroke Service Canada Centre
141 Lake Street
Pembroke, ON

Perth Service Canada Centre
Federal Building
13 Herriott Street
Perth, ON

Peterborough Service Canada Centre
Jackson Square, Suite 101
185 King Street
Peterborough, ON

Picton Service Canada Centre
229 Main Street,
Picton, ON

Prescott Service Canada Centre
292 Centre Street
Prescott, ON

Renfrew Service Canada Centre
39 Renfrew Avenue West
Renfrew, ON

Sarnia Service Canada Centre
Lambton Shared Services Centre at the Bayside Mall
150 Christina Street North
Sarnia, ON

Sault Ste. Marie Service Canada Centre
22 Bay Street , Floor 1
Sault Ste. Marie, ON

Simcoe Service Canada Centre
5 Queensway East
Simcoe, ON

Smiths Falls Service Canada Centre
91 Cornelia Street West , Suite 115
Smiths Falls, ON

St. Catharines Service Canada Centre
Landmark Building
43 Church Street
St. Catharines, ON

St. Thomas Service Canada Centre
408 Talbot Street
St. Thomas, ON

Stratford Service Canada Centre
61 Lorne Ave , Floor Ground, Unit 2
Stratford, ON

Sturgeon Falls Service Canada Centre
186 Main Street , Floor 2
Sturgeon Falls, ON

Sudbury Service Canada Centre
Federal Building, Floor Main
19 Lisgar Street
Sudbury, ON

Thunder Bay Service Canada Centre
975 Alloy Drive
Thunder Bay, ON

Tillsonburg Service Canada Centre
Livingston Centre
96 Tillson Avenue
Tillsonburg, ON

Timmins Service Canada Centre
120 Cedar Street S , Floor 1
Timmins, ON

Trenton Service Canada Centre
50 Dundas Street West
Trenton, On

Walkerton Service Canada Centre
200 McNab Street
Walkerton, ON

Wallaceburg Service Canada Centre
Municipal Service Centre, Floor 2
786 Dufferin Avenue
Wallaceburg, ON

Welland Service Canada Centre
250 Thorold Road W.
Welland, ON

Windsor Service Canada Centre
400 City Hall Square East
Windsor, ON

Woodstock Service Canada Centre
959 Dundas St. , Office 101
Woodstock, ON

For Service Canada Locations in GTA

Filed under: Post-Landing

Cities in Greater Toronto Area

  • Ajax
  • Aurora
  • Beaverton
  • Bolton
  • Bowmanville
  • Brampton
  • Burlington
  • Concord
  • Etobicoke
  • Georgetown
  • Keswick
  • Markham
  • Milton
  • Mississauga
  • Newmarket
  • North York
  • Oak Ridges
  • Oakville
  • Oshawa
  • Pickering
  • Port Perry
  • Richmond Hill
  • Scarborough
  • Stouffville
  • Sutton
  • Thornhill
  • Toronto
  • Unionville
  • Uxbridge
  • Whitby
  • Woodbridge
Filed under: Post-Landing, Visitor

Monthly Temperature / Weather in Calgary

Monthly averages & records °F | °C
Month Average Low Average High Average Rainfall Record Low Record High
January -14° -2° 1.55 cm -47° (1884) 17° (2003)
February -12° 0° 1.6 cm -47° (1884) 23° (1992)
March -7° 5° 2.48 cm -37° (1951) 25° (2004)
April -2° 11° 3.17 cm -30° (1954) 29° (1926)
May 3° 16° 7.12 cm -17° (1954) 32° (1986)
June 7° 20° 9.63 cm -4° (1883) 35° (1926)
July 10° 23° 7.35 cm -1° (1884) 36° (1933)
August 8° 22° 5.92 cm -3° (1992) 36° (1914)
September 4° 18° 4.57 cm -13° (1926) 33° (1967)
October -2° 11° 2.1 cm -26° (1984) 29° (1934)
November -8° 3° 1.5 cm -42° (1883) 23° (1975)
December -12° -1° 1.55 cm -44° (1880) 20° (1999)
Filed under: Post-Landing, Visitor

HSBC banking experience and Canadababa rating

HSBC is a new entrant into the Canadian banking system compared to other banks.

They have comparable good service with any basic transaction.

Just like any other bank in Canada they charge fees and sometimes the fees are high when compared to other services.

As a new immigrant, they waive the bank account fees for 6 months or so. But after that you will be charged the regular fees.

Depositing and clearing of checks is closer to a nightmare. They often cite their policies to clear checks and often it may take 30 (business) days for them to clear checks.

Their hours are not as great as TD Canada Trust and they close usually at 4:30 in the evening. From that perspective it is not that great. Some of the branches are open on Saturdays too.

Getting a credit card or loan as a new immigrant is very painful and a disheartening experience with HSBC. You would even wonder sometimes why did you immigrate to Canada. Infact one of the HSBC bank manager candidly admitted that she went through the same horrifying experience as a new immigrant. She couldnt really answer when she was asked if that means she will ensure every new immigrant will go through the same pain.

Over all, decent service. May be HSBC provides good service for Canadians. But for a new immigrant, HSBC is not that kind of a great bank.

So the verdict is: NOT GOOD and Canadababa gives a rating of 1 out of 10.

Filed under: Post-Landing

Ontario Health Coverage Document List – Registration for OHIP Health Card

You will need one document from each list. All documents must be originals, photocopies are NOT accepted. The ministry may ask for additional documents.

List 1 – Proof of Citizenship or OHIP Eligible Status is:

A document to prove you are a Canadian Citizen or hold another status that makes you eligible for Ontario health insurance coverage.

List 2 – Proof of Residency in Ontario is:

A document that displays your name and current home address and confirms that your permanent and principal home is in Ontario.

List 3 – Support of Identity is:

A document that displays both your name and signature.

Acceptable documents for List 1 – Proof of Citizenship/Eligible Status

Canadian Citizens

  • Birth Certificate from a Canadian province or territory ( issued under the Vital Statistics Act)
  • Canadian Certificate of Registration of Birth Abroad
  • Certified Statement of Live Birth from a Canadian province or territory
  • Certificate of Canadian Citizenship or Certificate of Naturalization ( paper document or card, not commemorative issue)
  • Certificate of Indian Status ( plastic or paper card)
  • Registered Indian Record (certified)
  • Valid Canadian Passport or Canadian Passport expired not more than 5 years

Permanent Residents / Landed Immigrants

  • Canadian Immigration Identification Card
  • Confirmation of Permanent Residence ( IMM 5292)
  • Valid Permanent Resident Card or Permanent Resident Card expired not more than five years
  • Record of Landing ( IMM 1000)

Other Immigration Status

  • Letter from Immigration and Refugee Board confirming Convention Refugee or Protected Person status
  • Protected Person Status document
  • Temporary Resident Permit (restrictions apply)
  • Work Permit (restrictions apply)
  • Written confirmation from Citizenship and Immigration Canada that you have applied for permanent residence in Canada and have passed the immigration medicals

Acceptable documents for List 2 – Proof of Residency

  • Child Tax Benefit Statement
  • Employer record (pay stub or letter from employer on company letterhead)
  • Income tax assessment ( most recent)
  • Insurance policy (home, tenant, auto or life)
  • Monthly mailed bank account statements for savings or chequing accounts ( does not include receipts, bank books, letters or automated teller receipts)
  • Mortgage, rental or lease agreement
  • Ontario Motor Vehicle Permit ( plate or vehicle portions )
  • Property tax bill
  • School, college or university report card or transcript
  • Statement of Direct Deposit for Ontario Works or for Ontario Disability Support Program
  • Statement of Employment Insurance Benefits Paid T4E
  • Statement of Old Age SEcurity T4A (OAS) or Statement of Canada Pension Plan Benefits T4A(P)
  • Statement of Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) or Registered Home Ownership Savings Plan (RHOSP) from a financial institution( bank, trust company, credit union)
  • Utility bill ( home telephone, cable TV, public utilities commission, hydro, gas, water)
  • Valid Ontario Driver’s Licence or Temporary Driver’s Licence
  • Workplace Safety and Insurance Board Statement of Benefits T5007
  • Your Canada Pension Plan Statement of Contributions

Acceptable documents for List 3 – Support of Identity

  • Canadian Immigration Identification Card
  • Certificate of Canadian Citizenship ( plastic card )
  • Certificate of Indian Status (paper or plastic card)
  • Confirmation of Permanent Residence ( IMM 5292)
  • Credit Card
  • Current employee ID
  • Current professional association licence
  • Old Age Security card
  • Ontario Motor Vehicle Permit ( plate portion )
  • Passport (Canadian or foreign)
  • Permanent Resident Card
  • Record of Landing (IMM 1000)
  • Student ID card
  • Union Card
  • Valid Ontario Driver’s Licence or Temporary Driver’s Licence
Filed under: Post-Landing

Emergency Travel Insurance – Effective date of coverage

Please note that this is usually common for most of the Insurance companies that provide Emergency travel coverage. Not all Insurance companies are the same, so you should consult with the company’s policy administrator for seeing if the following rules apply to you.

The effective date of coverage depends on when you actually purchase the Insurance policy.

  1. Before your arrival in Canada
  2. After your arrival in Canada

If the insurance is purchased prior to your arrival in Canada, the contract is effective on the latest of the following dates:

  • the effective date of the contract
  • the date of arrival in Canada
  • the day following the termination date of a similar coverage in Canada by virtue of another insurance contract.

If the insurance is taken oiut after your arrival in Canada, it is effective 72 hours following the date of purchase, but must be taken out within the 30 days after the latest of the following dates:

  • the date of arrival in Canada
  • the day following the termination date of a similar coverage in Canada by virtue of another insurance contract.

If the present insurance is taken out after the effective date of another insurance contract with a similar coverage in Canada, a proof of the latter is required.

Filed under: Post-Landing

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