Obstacles Canadian RVers face when full-timing

Canadian RVers face obstacles when choosing the RV Lifestyle

 

USA Canada Border

Canada USA Border near Osoyoos, BC




I was contacted recently by a Canadian couple who are considering the full-time RV lifestyle.  Their plans were to do it at retirement age but the wife has been quite ill and as many of us believe, it’s sometimes best to take advantage of opportunities when you can. My wishes for them are to have many happy years of travel and enjoyment.

Their concerns were also similar to many Canadian RVers who wish to live and travel in their RV full-time. They plan on selling their house to cover the costs of travel and living.  We Canadians face obstacles that our American neighbours to the south aren’t affected by.  I am sure they have issues we aren’t aware of but right now I am interested in helping Canadians when I can – I don’t pretend to have all the answers but I do share whatever information I have been able to find.

Responses to Questions:

Listed below are some of the responses I passed on to them – if you have anything to add please use the comment box below. Very much appreciated. 

Permanent Address

  • Canadian RVers must have a permanent physical address and not a mail box. This is a requirement for your driver’s licence, medical and vehicle insurance, passport, etc. HOWEVER PLEASE NOTE YOU CAN COLLECT YOUR MAIL AT A MAILBOX – NO PROBLEM but need a physical address to register a  vehicle and driver’s licence.  I have updated this because I wasn’t clear enough on this.  Thanks to M. for pointing this out. Sorry.

  • Some RVers rent a room in a family member’s home.  If that is what you are doing make sure you carry a copy of a receipt just in case you are asked. (You don’t need to volunteer the information – just be truthful when asked.) If asked at the border where you live – you just state the town you live in unless they inquire further.

  • Another suggestion is to own or rent a long term RV lot where you can get your mail and register your address.

  • Change the address of your vehicle registration, driver’s licences, medical, passport, etc.  This is a requirement for ICBC (BC) and MSP. Everything I have read from every Province seems to be the same – you must have a physical address.

Question:  What do Canadian RVers tell the border people as to the length of time we will be in the US?  What do we tell them as a destination since we will continuously be traveling?

As to length of time in the US.

  • Our medical, etc. only allows you to be out of the province for 6 months so you want to be sure and return prior to the 6 month deadline. Some provinces do have an extended absence request policy and I know there have been minor changes in BC so do your research before leaving.

  • At the border when asked length of time you will be away – be honest and say you will be returning in under 6 months and as to your destination – give the name of the furthest point you will be traveling to.  For example if you plan on traveling throughout California, Arizona and to Texas, tell them you will be heading to Texas via ….

  • By being honest you will have fewer problems at the border.

Do you have any suggestions to tips to help fellow Canadian RVers with their travel plans or others in a similar situation – they want to become full-time RVers and travel periodically to the US?

All the best,

Carol Ann Quibell


Comments

Obstacles Canadian RVers face when full-timing — 22 Comments

  1. Linda Marshall LeRoux on said:

    Thanks. I just found this site. It is very helpful. My husband and I plan to full time in 2017. We were gone 5 months this year in our RV, so have come to the decision that keeping our house is not worth it, and it’s costly to do both. RVings is something I we are not willing to give up 🙂

    • Thanks for your message Linda – I agree it is costly to have both and it’s fine if that’s what’s important but it comes down to what is important to you. I really wish you well with your plans. Thanks for sharing. Carol Ann

        • You are very welcome – most of us are in the position that we have to decide as to what is important to us. We can’t always afford both although I’m sure we would like to. 🙂

  2. Oh we are finding great information on full time living so anyone who posts thanks.

    • Thanks Bart – very much appreciated. Everyone has information they can share to help the rest of us and it’s really appreciated. That’s what we hope this site is all about – sharing information. 🙂
      Carol Ann

  3. My girlfriend and I are planning to make the switch to full time RV. Now our plan is to move west to BC from Ontario as winters in Cali are far more pleasant than Fl. We are planning to work 6 months in summer we are truck drivers. So its easier to find work for the summer in BC. We are getting around the 4 months by simply returning home for 1 week in the winter. It means as long as we do that we are never in America for more than 4 months. Were planning to get the Thousand Island membership and this will make it easy to do. I hope this helps there are simple things you can do to bypass (legally) some issues.

    • Hi Bart,

      Nice to hear your plans but unfortunately you might have been given incorrect information. You can’t get around the allowable time spent in the US by coming back home for a week. Anyone remaining in the U.S. for an extended period of time, or who makes multiple trips every year, must be careful not to exceed the annual threshold of 120 days. This means that every time within a calendar year that a person enters the US is counted towards the maximum threshold of 120 days. It doesn’t start over every time you come home. Here’s a post I did on this subject – if you have any questions please let me know and I’ll do my best to give you a hand. http://roamingrv.com/crossing-us-border/

      Carol Ann

  4. Cara-Leigh on said:

    I would like to know where I can get insurance coverage for my contents. I live in the Lower Mainland of BC and am having trouble with this. I am told that unless my 35′ Class A motorhome is skirted, it is not considered a permanent residence. Also, even though it has been completely renovated, with new plumbing and wiring, due to the fact that it is an ’86, most places are unwilling to insure it. This is really frustrating. Please help.

    • Hi Cara-Leigh,

      My apologies for not responding sooner. It is possible to obtain insurance and I will see what I can find out from my agent and get back to you. I am in the middle of moving out of our house and back into the RV and will look into this next week. Sorry for the delay.

      Carol Ann

  5. Paul Frigon on said:

    Thanks for the info, my wife and I will post the results of our research once complete. Right now we are gathering info from each of the provinces. (primarily western Canada) as to medical coverage while out of province, and various insurance rates.

  6. Paul Frigon on said:

    My wife and I are planning on full timing next summer when I retire from the forces. We will be able to be transferred to any province at that time, do you happen to know what province is the best for, registering/insuring our truck/trailer as well as what province tends to be the easiest to still cover medical expenses while traveling?

    • Hi Paul,

      We discussed your questions on our weekly Blab session and unfortunately no one seemed to have an answer for you. It comes down to how much traveling you are planning on doing, where you would like to be in terms of amenities, weather, family, etc. I do know that in BC you can get a 2 year absence permission for medical once in 5 years which is nice to be able to access. However, in the Maritimes some of the provinces have become more lenient at as well. I have a post on medical coverage for Canadians where I break it down province by province.

      As to vehicle insurance – I think I would have a tendency to choose where you would like to be – have a couple of choices then speak to insurance companies in each province. That would be my starting point. I am sorry I don’t have anything really concrete for you but it’s a start. I would really like to know what you find out in your research and if you are willing to share I know others would appreciate it. Apologies for not responding sooner.
      Carol Ann

  7. Canadians cannot be in the US for longer than 4 months per year or the IRS will be after them to pay taxes. How do full timers deal with this limitation?

    • Hi Hazel,
      Anyone remaining in the U.S. for an extended period of time, or who makes multiple trips every year, must be careful not to exceed the annual threshold of 120 days.

      Canadians who spend longer may be subject to U.S. tax laws. In order to avoid liability for U.S. tax, individuals must file the Closer Connection Exemption Statement for Aliens (IRS Form 8840) with the U.S. Internal Revenue Service. This form acknowledges that you have exceeded the “substantial presence test” in the current year, but establishes your closer residency connection to Canada. Individuals who file the form each year by June 15 may remain in the U.S. for up to 182 days. The substantial presence test only applies to those present in the U.S. for more than 31 days in the current year. The test considers the total number of days in the U.S. over a three year period.

      Here is a very well written article in RVwest that may clarify it a bit more for you.

      As to your question about how full timers deal with this limitation – they follow the rules. They keep accurate records of each time they enter the US and for how long. When in doubt they file the Closer Connection to Canada form . There is really no way of getting around this.

      Hope this helps.
      Carol Ann

  8. Andrew hampson on said:

    It is not totally true that you require a physical address for drivers license and vehicle registration. I contacted the DMV in Nova Scotia on this exact subject and I was told that I can have a PO box and still retain my NS registrations and license.

    • You are fortunate if that is true because most of the provinces require a physical address. Thanks for passing on the information!

  9. Courtney on said:

    Do you know if a site that you are occupying year round counts as a permanent address?

    • Hi Courtney, yes it should qualify. Your mail can either be received there or any other place. Your mailing address does not need to be the same as your physical address. Hope that helps.

  10. is your blog recent. today is May 6, 2014. I like following but would like to know this information.

    Thanks

    • Hi Loni,
      Thanks for your email. Yes, the information is current. Unfortunately most of the challenges Canadians face who wish to full-time have not changed over the years.

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