The cost of living in British Columbia can vary depending on factors such as location, lifestyle, and accommodation choices. The following is an estimated overview of common living expenses for students. Please note that these figures are approximate and may differ based on individual circumstances.
1. Housing
Housing costs vary significantly depending on the type of accommodation and location within the province.
Estimated Rent In Vancouver and Nearby Areas:
Richmond: $1,000 to $1,500 per month
Vancouver: $1,500 to $2,000 per month
Burnaby: $900 to $1,500 per month
Surrey: $700 to $1,500 per month
Delta: $900 to $1,500 per month
2. Transportation
Public Transportation monthly pass: $107.30 to $193.80 per month
3. Food and Groceries Estimation
• Groceries: $300 to $700 per month (Depends on the quantity)
Food expenses depend on individual eating habits and preferences.
4. Monthly Phone and Internet Bills
• Cell phone with internet: $35 to $80 per month (depends on the service provider)
• Wi-Fi Internet connection: $80 to $300 per month (Optional as some accommodations cover this cost)
In British Columbia, there are several service providers for phone and internet, including Freedom, Bell, Rogers, Fido, and others. The average cost for phone services typically ranges from $35 to $80 per month, depending on the contract and plan.
For Home internet, sometimes the cost is included in the rent. However, if it is billed separately, the average cost for internet service generally ranges from $80 to $300 per month, depending on the speed, location and provider.
5. Health insurance
• Private Health Insurance: $60 to $120 (prices may vary from plan-to-plan)
• Provincial health insurance (MSP): $75 per month
*Note: These are estimated living costs, which may vary based on individual preferences, lifestyle, and other factors. Insignia College does not regulate the third-party websites or detailed cost information provided, and students are encouraged to research and verify costs through reliable sources before making financial decisions.*
International student are required to provide evidence of sufficient health care insurance coverage for the duration of their stay.
1. Private Health Insurance (First 3 Months)
During the initial three months of a student’s stay in British Columbia, it is a requirement to purchase private health insurance. Some recommended service providers include:
o Guard.me
o Allianz Global Assistance
o Manulife
*Note: Please note that these are suggested providers, and the pricing may vary depending on the chosen service provider. Students are advised to explore additional options both online and offline to find the plan that best suits their individual needs.*
2. BC MSP (Medical Services Plan)
After the initial three-month period, students must enroll in the British Columbia Medical Services Plan (BC MSP), which is mandatory for all residents of British Columbia, including students. The BC MSP is the provincial public health insurance plan administered by the BC government.
How to Apply for BC MSP
1. Go to the BC MSP Application Portal.
2. Complete the Online Application Form.
3. Pay the $75 Monthly Fee, this fee is non-negotiable and must be paid to maintain your coverage.
4. Submit Proof of MSP Enrollment to the College.
For the step-by-step information on how to apply for MSP, please use the link below:
https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/eligibility-and-enrolment/apply-for-msp#apply
Learn more on the services covered by MSP by visiting:
https://www2.gov.bc.ca/gov/content/health/health-drug-coverage/msp/bc-residents/benefits/services-covered-by-msp.
Public Transportation:
Transit Options:
– Delta Campus: 101-7500 Ottawa Street, Delta, BC, Canada V4K 0B4.
The most convenient option for commuting to and from Insignia College by using public transit is:
The 310 bus route is available every day to meet the commuting needs of students.
Weekdays: TransLink services operate from 5:34 AM to 9:01 PM, with frequencies ranging from every 18 to 32 minutes.
Sundays: Services run from 7:12 AM to 8:57 PM, with frequencies every 29 to 31 minutes.
Saturdays: Services run from 6:43 AM to 8:56 PM.
– Surrey Campus: 206-10252 City Parkway, Surrey, BC, Canada V3T 4B2
Students can easily access Surrey Central Campus via either SkyTrain services or bus routes. The campus is situated in a highly accessible location, making it convenient for students to reach by public transportation.
SkyTrain: Three lines:
Expo Line: Operates from Downtown Vancouver to Surrey.
Millennium Line: Operates from Vancouver through Burnaby to Coquitlam.
Canada Line: Operates from Downtown Vancouver to Richmond and Vancouver International Airport.
Compass Card is required for travel on public transit in Metro Vancouver.
For detailed schedules and maps, visit Translinks official website:
https://www.translink.ca/schedules-and-maps.
• Car Sharing:
Another convenient mode of transport is car sharing, which allows users to access vehicles when needed. Car-sharing companies like Evo and Modo provide these services. (Prices are provided by the service providers.)
• Ride-Hailing: Few Pick and drop service providers are:
Vancouver Taxi
MacLure’s Cabs
Yellow Cab Vancouver
Lyft
Uber
• Transportation from Vancouver International Airport:
Travelers can avail themselves of airport taxis, rideshare services such as Uber and Lyft, or utilize local taxi services like Richmond Taxi and Surrey Taxi.
Additionally, the Canada Line SkyTrain offers a reliable and efficient connection between the airport and various neighborhoods throughout Vancouver and surrounding areas.
*Note: All prices depend entirely on the service providers.*
The Compass Card is a reloadable, contactless smart card for public transportation across Metro Vancouver, including buses, SkyTrain, SeaBus, and West Coast Express. It can be loaded with stored value or passes like monthly or day passes, offering flexibility for various travel needs.
Users can manage their cards online via the Compass Card Account, where they can check balances, view transaction history, and set up auto-reload.
Single Ride: Starting at $2.60 for adults and $2.15 for concession (youth/seniors) for 1-Zone.
Reload Options: Funds can be loaded for single rides or purchased as monthly passes.
For those without a Compass Card, contactless credit or debit cards can also be used for fare payments.
Credit/Debit card: $3.20 for one zone.
Where to Purchase/Reload:
– Local Shoppers Drug Mart.
– Compass vending machines available at any SkyTrain station.
– Online through TransLink Compass Card Online.
Card Options:
Orange Card: For youth under 18 years and senior citizens.
Blue Card: For adults above 18 years of age.
For more details on How to buy a compass card online visit:
https://www.translink.ca/transit-fares/where-to-buy
For assistance with trip planning, safety, or any concerns regarding TransLink services, contact their Customer Information team by phone at 604-953-3333 or through Live Chat at https://www.translink.ca/about-us/customer-service/contact-information.
Before departing for Canada, it is essential for students to ensure they have all necessary documentation. International students are recommended to keep the original documents readily available throughout their entire journey.
The following is a list of documents that student may require for immigration purpose, please know that the immigration officers may not request all the documents listed, but it is advisable to be fully prepared.
1. Original copy of your passport.
2. Letter of Acceptance (LOA) from Insignia.
3. Visa approval letter or study permit.
4. Provincial Attestation Letter (PAL).
5. Payment receipts for tuition and fees.
6. Travel insurance.
7. Proof of accommodation in Canada (e.g., rent agreement or hotel booking, if applicable).
8. Loan approval letter from your bank.
9. Marriage certificate or proof of common-law status.
Prepare yourself for potential questions from the immigration officer regarding your program, course, or student portal, among other topics.
We highly recommend students to visit the IRCC website to Prepare for the Arrival:
https://www.canada.ca/en/immigration-refugees-citizenship/services/study-canada/study-permit/prepare-arrival.html
The immigration officer might ask students to provide the following documents:
• Letter of Acceptance (LOA)
• Provisional Letter of Attestation (PAL)
• Passport
1. Present the required documents to the immigration officer.
2. Respond to any questions posed by the border security officer regarding the program, course, or purpose of the visit.
3. The study permit will be issued upon your arrival
4. Once the Study Permit is received, students can proceed with arranging transportation to their destination.
– Some available options for pick and drop services are:
Airport taxis, Uber, Lyft, or local taxi services like Richmond Taxi and Surrey Taxi, etc.
*Note: Please note that the prices depend entirely on the service providers.*
1. Apply for a Social Insurance Number (SIN)
A Social Insurance Number (SIN) is required in Canada to work, pay taxes, and access government services like health insurance and student loans. It is essential for employers to report income to the Canada Revenue Agency (CRA) and for individuals to engage in various financial transactions. Without a SIN, access to many essential services and benefits is not possible.
Learn more on how to apply for a SIN:
https://www.canada.ca/en/employment-social-development/services/sin.html
2. Open a Canadian Bank Account
• Students are required to open a bank account to manage their finances while studying in Canada.
It is important to choose a bank that offers the best services and features suited to individual needs.
Provided below is the link to access the Guide to Banking in Canada and explore the available banking options:
Guide to Banking in Canada – https://www.canada.ca/en/financial-consumer-agency/services/banking.html
3. Apply for a BC ID
A BC Services Card (BC ID) is an essential identification card for both international and domestic students in British Columbia (BC). The card not only serves as official identification but also provides access to a variety of provincial services and benefits.
How to Apply for a BC Services Card
1. Apply online or in-person at your nearest Service BC location.
2. Applicants need proof of identity, such as a birth certificate, passport, or other government-issued documents.
Learn more about how to apply for the BC ID:
https://www.icbc.com/driver-licensing/getting-licensed/Apply-for-a-bcid
5. Buy a SIM Card
• Some available options of the providers are: Rogers, Telus, Bell, Freedom Mobile, etc.
– Documents needed for this is your Study Permit, Passport and Credit Card (optional).
*Note: Please know that all the charges depends solely on the service providers, kindly visit the store or their website to choose the best provider.*
While Insignia does not offer on-campus housing, but we do assist students with several accommodation options available nearby to the campuses.
• Homestay Programs
• Immerse yourself in Canadian culture by living with a local family. Homestay programs provide students with a welcoming and supportive environment, offering the opportunity to practice English and learn about Canadian customs and traditions. Meals are often included, and hosts are usually carefully screened to ensure a safe and comfortable living experience.
• Off-Campus Housing
• For those seeking independence or a shared living arrangement, there are various off-campus housing options available in Delta and Surrey. These include:
o Apartments:Perfect for students who value privacy and independence. Apartments are available in different sizes and price ranges to suit individual preferences.
o Shared Housing: Students can rent a room in a shared house, splitting the rent and utilities with other students. This is a cost-effective option and a great way to meet new people.
o Rental Suites: Many homeowners in the area offer separate rental suites, providing a balance of privacy and affordability.
• Online Housing Platforms: Online platforms can be valuable resources for finding accommodations that match your budget and requirements.
Popular websites include:
Facebook marketplace: https://www.facebook.com/marketplace/
Crag list: https://vancouver.craigslist.org/
Kijiji: https://www.kijiji.ca/
Avoiding Rental Scams
When renting in a new city, it is essential to remain vigilant and informed. Research the local rental market to understand typical rates, as unusually low prices may indicate a scam. Always work with reputable landlords or property management companies and avoid providing large upfront payments or personal financial information without verifying the property. Insist on viewing the rental unit in person before committing, and carefully review the lease agreement.
For further guidance, refer to these resources:
– Rental Scams (Royal Canadian Mounted Police):
https://bc-cb.rcmp-grc.gc.ca/ViewPage.action?siteNodeId=2081&languageId=1&contentId=18593
– Consumer Protection BC:
https://www.consumerprotectionbc.ca/2016/03/avoiding-rental-property-scams/
– Renting it Right:
https://rentingitright.ca/course1/28-rental-scams
*Note: Insignia does not verify, endorse, or guarantee the accuracy of the information or listings on the linked websites. Applicants are encouraged to exercise caution when searching for housing and review the section below, as well as additional resources, for guidance on avoiding scams.*
As a tenant in British Columbia, you are protected under the Residential Tenancy Act (RTA), which outlines both landlord and tenant rights and responsibilities.
Below are some key points to ensure you are informed of your rights:
Security Deposits
o Landlords are permitted to collect a security deposit when you sign a tenancy agreement, but the amount cannot exceed half a month’s rent.
o The security deposit must be returned within 15 days after you move out, provided there are no damages to the property or unpaid rent.
o If any portion of the deposit is withheld for damages, the landlord must provide a detailed statement and receipts to justify the deductions.
Written Tenancy Agreements
o Landlords are required to provide tenants with a written tenancy agreement that clearly outlines:
– The terms of the tenancy (fixed-term or month-to-month).
– The rental amount and due date.
– Any rules related to the property (e.g., smoking, pets).
o Both parties must sign the agreement, and the landlord must give the tenant a copy.
o If any terms in the agreement contradict the RTA, those terms are invalid.
For more details and guidance, visit the official BC Residential Tenancy Branch website
https://www2.gov.bc.ca/gov/content/housing-tenancy/residential-tenancies/during-a-tenancy/tenant-rights
Renters insurance is an important coverage for anyone who rents a home, and this applies to students in British Columbia (BC) as well. It helps protect personal belongings from theft, fire, or damage, and provides liability protection in case someone is injured while in the rented property.
Renters Insurance in BC:
Renters insurance is not legally required in BC, but it is highly recommended for all renters, including students. This insurance covers the cost of replacing personal property if it is damaged or stolen, and can also help protect you from liability in case of accidents or damages that occur on the rental property.
Benefits of Renters Insurance for Students:
1. Protection of Personal Belongings: Renters insurance typically covers personal items such as electronics, furniture, clothing, and other belongings. In the case of a fire, burglary, or other covered event, the insurance can help you replace lost or damaged items.
2. Liability Coverage: This coverage protects you if you are held liable for accidents or injuries that occur within your rental unit. For example, if a guest is injured while visiting, renters insurance can help cover their medical expenses and your legal fees.
3. Affordable: Renters insurance is often affordable for students, with policies starting as low as $10 to $20 per month. Students living in shared accommodations or those with limited possessions can usually find a plan that fits their budget.
4. Covers Temporary Living Expenses: If your rental unit becomes uninhabitable due to a covered event (like fire or water damage), renters insurance can help pay for temporary accommodation, like a hotel, until your place is livable again.
5. Coverage for Theft Outside of the Home: Some policies also cover items stolen outside your home. For instance, if your phone is stolen while you’re at school or at a café, your renters insurance may help replace it.
Eligibility:
• Anyone Renting a Home or Apartment: Renters insurance in BC is available to anyone renting a home, apartment, or even a dorm room. As long as you’re renting a living space, you are eligible to apply for renters insurance.
• Age: You must be of legal age to sign an insurance contract (usually 19 or older in BC). However, if you’re under 19, some providers might allow you to have a policy with a parent or guardian as a co-signer.
How to Apply for Renters Insurance in BC:
1. Choose an Insurance Provider: There are many insurance companies in BC that offer renters insurance.
Some of the more well-known insurers include:
o BC’s Insurance Corporation (ICBC)
o Sonnet Insurance
o Co-operators
o TD Insurance
o Desjardins Insurance
2. Provide Necessary Information: When applying for renters insurance, you’ll need to provide:
o Your rental address
o Details about the property you’re renting (e.g., apartment, house, etc.)
o A list of personal items you want to insure
o Your personal details (e.g., name, age, contact information)
3. Select the Coverage You Need: Different policies offer various levels of protection. You’ll need to choose between basic coverage (for events like fire or theft) or comprehensive coverage, which might include more protection.
4. Complete the Application: You can usually apply online, over the phone, or in person. Once you’ve submitted your application, you’ll receive a quote based on the level of coverage and your personal situation.
5. Make Your First Payment: Once you’re happy with your quote and the coverage offered, you’ll need to make your first payment to finalize the policy.
Where to Find More Information and Apply:
For more details on renters insurance and to apply online, you can visit the following websites:
• Co-operators Renters Insurance:
https://www.cooperators.ca/en/home-insurance-discounts?customer_id=684-240-4227&gad_source=1&gclid=EAIaIQobChMIndjiyvS0jAMVRxutBh3ZhhbGEAAYAiAAEgLGI_D_BwE
• TD Insurance Renters Insurance:
https://www.tdinsurance.com/products-services/tenant-insurance
• Sonnet Renters Insurance:
https://www.sonnet.ca/tenant-insurance/
• Desjardins Renters Insurance:
https://www.desjardins.com/bc/en.html
These sites provide easy steps to get a quote, buy insurance, and learn more about renters insurance in BC.
Important Things to Remember:
• Evaluate the Value of Your Belongings: Before purchasing a policy, assess the value of your personal property. This will help you choose the right coverage limit.
• Understand Your Deductible: Your deductible is the amount you’ll need to pay out-of-pocket before your insurance kicks in. Make sure the deductible is an amount you’re comfortable paying in case of a claim.
• Student Discounts: Some insurance companies may offer discounts for students, so be sure to ask.
At Insignia College, we are committed to providing a comprehensive support system to help our students succeed both academically and personally. Our services include:
• Academic Advising: Our academic advisors guide you through course selection, program requirements, and academic planning to ensure you stay on track with your goals.
• Career Advising: We offer personalized career guidance, resume workshops, and job placement assistance to help you transition from training to a successful aviation career.
• IT Support: Our dedicated IT team is available to assist with technical issues, ensuring you have reliable access to online resources and tools.
• Campus Facilities: Our modern, accessible campus features technology-enabled classrooms, comfortable common areas, and study spaces, designed to enhance your learning experience.
• Mental Health Support: We provide counseling services to help you manage stress and mental health challenges, supporting your overall well-being.
• Support for Students with Disabilities: We are dedicated to creating an inclusive environment, offering accessible facilities and resources to ensure all students can succeed.
Students can reach out to the staff and advisor via 7786957030 or email: info@insigniacollege.com/ aviation@insigniacollege.com.
At Insignia College, physical and mental well-being are top priorities. Whether the student face personal, physical, or emotional challenges, support is always available.
1. For any emergency support:
In British Columbia, having access to the right contacts during emergencies and non-emergencies is crucial to ensure that appropriate assistance is provided promptly. For emergencies, the primary contact is 911, a number that connects individuals to police, fire, and ambulance services.
This should be used for situations where there is an immediate threat to life, safety, or property, such as medical emergencies, fires, or crimes in progress.
Emergency contacts:
• Police, Fire, and Ambulance: 911
• Hazardous Material Response(Vancouver fire and rescue services): 911
• Suicide Crises line: 988
2. For any non- emergency support: Both inside and outside the college, our dedicated team members are available seven days a week to provide help or refer you to professional services if needed.
To reach out to us please contact us at 7786957030 or on email: info@insigniacollege.com or aviation@insigniacollege.com.
Issues related to mental health crises are addressed through BC’s Mental Health Support Line, reachable at 310-6789, where trained professionals offer support for urgent mental health concerns.
Here are some resources available for external help if needed.
• Here2Talk: A free 24/7 mental health support service for post-secondary students in British Columbia.
Visit: https://here2talk.ca/main
• Crisis Centre BC: A free 24/7 mental health support service for post-secondary students in British Columbia.
Visit: https://www.crisiscentre.bc.ca/
• VictimLinkBC: A confidential service offering support to victims of crime or violence, available 24/7.
Visit: https://www2.gov.bc.ca/gov/content/justice/criminal-justice/victims-of-crime/victimlinkbc
• Anxiety Canada: Offers tools and resources to help manage anxiety effectively.
Visit: https://www.anxietycanada.com/
• Counselling BC Directory: A directory to connect with registered professional counselors across British Columbia.
Visit: https://counsellingbc.com/
• DIVERSEcity Community Resources Society: Provides culturally sensitive support services for individuals and families.
Visit: https://www.dcrs.ca/
Progressive Intercultural Community Services (PICS) Society https://pics.bc.ca/ is supporting us in providing the employment assistance to the students. They are specialized in providing pre and post-employment services which includes Workshops, training, and one-on-one assistance with job searches etc.
Additionally, the college supports students by providing on-campus job opportunities as vacancies arise. In cases where on-campus positions are unavailable, the college offers assistance through references, guidance, job readiness preparation like resume and cover letter writing and information about available job opportunities in the market.
Progressive Intercultural Community Services (PICS) Society, established in 1987, is a registered non-profit organization dedicated to serving the community. https://pics.bc.ca/ is supporting us to provide the community and cultural including but not limited to family support, addiction treatment and services for immigrants.
