No worries at all, Tom. Bartjones is a legend on this forum - he also helped me out a ton - so I'm just trying to pay it forward here. Particularily now, that I have more time on my hands, with the Canucks being out of the playoffs
1. We want to buy a ticket out of the country for my wife to show to the customs officer just in case. We need it be fully refundable. Does anyone know where we can get a fully refundable ticket out of Canada? Does it have to be a ticket to South Korea or can it be to the USA? Although we don't plan on having to use it, we want something that shows that we are ready for the possibility that my wife will no get permanent residence in Canada.
In my experience, fully refundable tickets are massively expensive. You can use expedia.ca (or the like) to give you the jist). My recommendation would be to YES get a round-trip ticket, for peace of mind at airport customs. Even if you aren't going to use the leg back for your wife - it's far cheaper, and at the end of the day, you might lose out on a couple hundred bucks. (There isn't much of a difference between one-way and round-trip). So, again, i would recommend buying a cheap-o round-trip (non-refundable ticket), save yourself a ton of cash on purchasing the official refundable ones, and just not using the leg back.
For example, to ballpark it for you
Refundable round-trip ticket = 3.5 million won
Non-Refundable round-trip ticket = 1.5 million won
Non-Refundable one-way ticket = 1.2 million won
So even with 'refunding' your money on a refundable ticket, you will actually lose out on more cash than you would if you just bought a non-refundable round-tripper and just flagged the return airfare.
2. When we arrive in Canada, we won't have health insurance. In Ontario, it takes 3 months before you get back on OHIP. My wife won't get health insurance until she receives her PR card. Can anyone recommend a good health insurance provider? Preferably one that covers the basics but not much more. We are healthy and would only be using it in case of an emergency.
Same in BC, with the 3 month thing. I'm not sure about me, I might just chance it for those 3 months, but for your wife, any travel insurance would be fine (do NOT book those off expedia, as those are for Canadian citizens only) - just go into a travel agent and make sure she gets the legit Korean travel insurance. Travel insurance will cover all emergencies for your wife while abroad. Not too costly, we went home from korea for a month last year, and I think it cost my wife 50,000 won for the month's worth of travel insurance.
I'm not sure for you (us) who are Canadian citizens in the 3 month limbo, but either 'chancing it' or perhaps buying our own travel insurance? Not sure if it counts as travelling when you are in your own country, waiting for healthcare to kick in haha, but i think it does?