Hidden Expenses International Students Overlook When Studying in Canada

1. Application and Document Fees — Most universities charge non-refundable application fees (CAD $100–$200). You’ll also pay for transcript requests, courier services, and credential evaluations.
2. Health Insurance — While some provinces provide public health coverage, others require students to purchase private plans, which can cost between CAD $600–$1,000 per year.
3. Textbooks and Course Materials — Academic materials in Canada can be expensive. Expect to spend around CAD $800–$1,500 per academic year, depending on your program.
4. Transportation Costs — Monthly bus or metro passes cost between CAD $80–$120 in most cities. If you live off-campus, transportation becomes a major recurring expense.
5. Housing Setup Costs — Even when accommodation is pre-arranged, initial setup expenses such as bedding, kitchenware, and utilities deposits can total CAD $300–$800.
6. Winter Clothing — For students from warmer climates, buying quality winter jackets, boots, and accessories can cost up to CAD $500–$1,000 in total.
7. Mobile and Internet Bills — Phone plans in Canada are expensive. Expect to pay CAD $50–$80 monthly for mobile and another $60–$100 for home internet if you live off-campus.
8. Banking and Currency Transfer Fees — International transfers, ATM withdrawals, and card maintenance can lead to unexpected service fees, especially with foreign accounts.
9. Student Association and Campus Fees — Universities often charge extra for gym access, clubs, or student services (around CAD $100–$300 per term).
10. Entertainment and Social Activities — Outings, streaming subscriptions, and city events might seem minor but easily add CAD $100–$200 per month to your spending.