Year: 2014

  • Super Visa health insurance for Canadian Visitors

    In 2011 the government of Canada introduced a program called the super visa. The super visa is
    an extended ‘visitors to canada’ visa that allows for visits of up to 2 years. There are however a few
    requirements to meet for this visa.

    super-visa
    Visitors must have children or grandchildren living in Canada who are either Canadian citizens or
    permanent residents. This requirement really gets to the heart of this program as it allows parents and
    grandparents of Canadians to come and visit their family for an extended period of time.

    One of the other primary requirements is that the applicant purchase a minimum of $100,000 of
    visitors to Canada health insurance, for a minimum of one year. That makes sense – we can bring the
    grandparents over for a visit with the family, but they need to look after their own health insurance
    while here.

    However you can expect that a full year of health insurance coverage for grandma and grandpa isn’t
    gong to be cheap. And it isn’t – so it’s a good idea to know what you’re buying and how to minimize
    costs where possible.

    Here’s 5 of the best ways to minimize your insurance premiums for this super-
    visa visitors to Canada travel health insurance.

    1. Make sure you shop using an insurance broker. Different companies have widely different
      premiums for this coverage. Using an insurance broker seems like an obvious choice but it’s worth
      mentioning as many consumers simply go with a brand that they know.
    2. Deductibles vary widely, from $0 to $5000. This has a huge impact on prices. A $0 deductible plan
      means the insurance company has to pay every little nuisance claim. A $5000 deductible means the
      company doesn’t pay all those smaller claims – you’ll be paying those. If you’re treating this insurance
      as emergency coverage, you shouldn’t be running to the doctor for minor irritations, so consider the
      highest deductible that you’re comfortable paying in the event of an emergency, and self insure for any
      emergencies below that level.
    3. Side trips. Are you going to travel outside of Canada during your visit? Some visitors to canada
      plans cover you for limited travel to other countries. Other plans don’t provide that coverage. If you’re
      not going to be travelling outside of Canada you can choose a cheaper plan that doesn’t have this
      coverage.
    4. Multiple Entry. This option provides on-again off-again coverage. If you’re visiting Canada on a
      super visa but expect to return home occassionally, make sure your plan has multiple entry coverage.
      Otherwise you may have a plan that ceases coverage as soon as you leave Canada. If you’re planning
      on staying in Canada for the entire duration you can then choose a cheaper plan that doesn’t have
      multiple entry.
    5. Refundable premiums. The government requires that you purchase coverage for a full year. But
      what if you’re staying for less than a year? Should you have to pay for coverage that you’re not using?
      Some plans are non-refundable; you purchase for a full year and there’s no money back. Other plans
      allow you to purchase for a full year so you meet government requirements but offer a refund of the
      unused portion if you return home before the year is up. If you’re not staying for a full year, make sure
      you purchase a plan with refundable premiums so that you can get money back for the unused portion
      of the coverage. Note that these refunds always come with conditions and fees so read the policy
      before purchasing.

    There you have it – 5 easy ways to secure super visa visitors to Canada insurance.

    Shop the products using a broker, choose your deductible wisely, watch your side trips and multiple entry coverage, and if
    you’re staying for less than a year find a plan with refundable premiums.

    Glenn Cooke is an independent insurance broker who offers online quotes for super visa health insurance on his
    website LifeInsuranceCanada.com Inc.

  • Airbnb Coupon Code – 30% off $100+ First Booking

    If you have not tried AirBNB what are you waiting for?

    airbnb

    Founded in August of 2008 and based in San Francisco, California, Airbnb is a community marketplace for people to list, discover, and book unique accommodations around the world.

    Whether you are looking for an apartment for a night, a castle for a week, or a villa for a month, Airbnb connects you to unique travel experiences, at any price point, in more than 33,000 cities and 192 countries.

    We use this to rent out our flat when we travel so we make money when we holiday!

    Here is a trick to get even more savings:

    1. Use our referral link to register to get an additional $29 of credit.

    2. Use this 30% off coupon code, TRAVELZOO14, to get the 30% off discount on your first $100+ first booking.

    This expires January 14, 2015.

    Good luck!

     

  • Aeroplan Miles Guide

    Aeroplan® should be a familiar program with Canadians.  This is the frequent flyer program for Air Canada.

    Aeroplan® miles are earned by flying with Air Canada and other Star AllianceTM airlines. Star AllianceTM is the largest global airline network in terms of daily flights, destinations, and countries to which it flies, and number of member airlines within the alliance.

    Aeroplan frequent flyer program for Air Canada page 8

    The Aeroplan® miles you earn are based on the distance you fly, and the fare option you purchase.

    The Aeroplan® program rewards members who book their tickets with the highest fares. Currently, travel booked with a Tango fare (the lowest price) receives only 25% of the possible Aeroplan® Miles, and members flying in the highest fare classes, Executive Class Flexible and Executive Class Lowest, earn a 25 to 50 percent mileage bonus. When flying on partner airlines in the Star Alliance, you will generally earn 100 percent of miles flown, although mileage earning varies with the partner and fare class.

    Aeroplan® has an extensive list of earning partners, including hotels, car rentals, online retailers, credit cards, financial services, and more.

    When redeeming your Aeroplan® miles for travel with Air Canada, the program has two categories, ClassicFlight and Market Fare. ClassicFlight awards are capacity controlled and Market Fare awards offer access to more seats for variable mileage levels, and are only available on Air Canada and Air Canada Express.

    Roundtrip economy class ClassicFlight awards within Canada and the U.S. are 15,000 miles for selected short-haul flights, and 25,000 miles for long-haul flights. Business class ClassicFlight awards are 25,000 miles for short-haul flights, and 50,000 miles for long-haul flights. Flights from Canada to Hawaii are 45,000 miles in coach, and 80,000 miles in business. Flights to Mexico, Central America, or the Caribbean are 40,000 miles in coach, and 60,000 miles in business; flights to Europe 1 are 60,000 miles in coach, and 90,000 miles in business; and to flights to Asia 1 are 75,000 miles in coach and 150,000 miles in business.

    Market Fare Flight Rewards offer access to a greater choice of flight departures, routes, and travel times at higher mileage levels on Air Canada flights.

    If you travel enough with Air Canada and their select airline partners, you can qualify for elite status. As an Elite, Super Elite, or Prestige member, you can enjoy great benefits, upgrades, and even bonus Aeroplan® miles on every flight.

    Aeroplan has created another program called Distinction. The program awards the top accumulating Aeroplan® members with Distinction status and benefits. The great thing about Distinction is that you can earn Distinction miles without even flying!

    Eligible miles are miles earned in the Aeroplan® Program directly at participating partners and include base and certain bonus mile offers. Unless otherwise indicated at the time of offer, the following miles are not eligible for Distinction status: financial card sign-up; bonus miles received as a benefit of the Air Canada Altitude program or Aeroplan® Distinction status; miles accumulated through conversion from other programs or transfers between member accounts, top-up miles, contest prizes, and reinstated miles.

    Here is a breakdown of the different Distinction levels:

    Level How to Qualify
    dSilver 25,000 eligible miles accumulated during the calendar year.
    dBlack 50,000 eligible miles accumulated during the calendar year.
    dDiamond 100,000 eligible miles accumulated during the calendar year.

    For any given calendar year, Distinction status is based on the number of eligible miles earned by a member between January 1 and December 31 of the previous calendar year. For example, 2015 Distinction status is based on the number of eligible miles earned by a member in 2014. Members who reach a certain level during the qualifying year will be eligible to receive the benefits immediately upon achieving a certain level and their new Distinction status will be valid until December 31 of the following calendar year.

    Members are required to requalify for Distinction status for the following year. For example, those members who enjoyed Distinction status in 2015 must earn the required number of eligible miles in 2015 to continue to enjoy Distinction status in 2016.

    Here are some of the benefits having Distinction in the Aeroplan program:

    1. Reduced mileage levels on Market Fare Flight Rewards.
      Distinction members get up to 35% off.
    2. Distinction Flights.
      Distinction members receive an invitation for flights leaving from major Canadian cities for peak period travel to popular destinations. 100% of the seats are reserved exclusively for Distinction members and offered at the ClassicFlight Rewards mileage level.
    3. Air Canada Getaway Bonus on eligible roundtrips.
      Get up to 1,500 Distinction bonus miles for every eligible roundtrip that includes a Saturday night stay when you fly with Air Canada to more than 25 popular destinations such as Florida, New York, California, London and Paris.
    4. Distinction bonus on hotel stays accumulation.
      dDiamond and dBlack members get 250 Distinction bonus miles per stay with Fairmont Hotels & Resorts, Marriott® and Starwood Hotels & Resorts®, on up to 20 stays per year, for up to a maximum of 5,000 Distinction bonus miles per calendar year. This is in addition to the base miles they will earn per stay. To be eligible for this bonus, members must earn miles in the Aeroplan® Program at the time of stay. Fairmont redemption stays are also eligible for this bonus.
    5. Bonus with Aeroplan eStore.
      Get up to 3X the miles per dollar spent when you shop online with your favourite Aeroplan® eStore retailers.

    On the Aeroplan® website, you will see all the options they have available, including flights, hotels, car rentals, activities, merchandise, and vacation packages. These additional options are great for added flexibility, but redeeming for flight rewards usually gives you the best return for your Aeroplan® miles.

    Positives:

    • Large number of Canadian retailers available to earn Aeroplan® miles (From Sobeys to Esso).
    • Excellent value for short-haul flights (i.e. Toronto to New York, Vancouver to Edmonton), with just 15,000 Aeroplan® miles required.
    • Air Canada allows for a free stopover on any ClassicFlight reward ticket redemption (i.e. so you can stop in Toronto for your flight from Vancouver to St. Johns).
    • You can earn and redeem Aeroplan® miles for flights on regional Canadian carriers (non-Star AllianceTM members): Bearskin Airlines (Manitoba and Northern Ontario), Air North (flyairnorth.com), and the Yukon Territories’ official airlines, which reach eight destinations in the Yukon, Northwest Territories, British Columbia, Alberta and Alaska, as well as Canadian North (canadiannorth.com) and First Air (firstair.ca). Central Canada is served by Calm Air (calmair.com), which features destinations in Manitoba and Nunavut; and Bearskin Airlines (bearskinairlines.com), which serves Ontario, Manitoba and Quebec.

    Negatives:

    • Aeroplan® imposes hefty fuel surcharges when booking with many Star Alliance partners, including Air Canada.
    • Challenges of earning many Aeroplan® miles when booking low cost Tango fares.
    • Charges for award changes and cancellations with award travel bookings.
    • Lack of availability of flights for Classic Flight rewards.
    • 12-month mileage expiration policy. In order to keep your Aeroplan® account active and to avoid the expiration of all miles in the account, you must make at least one qualifying transaction every 12 months.
  • Westjet 20% Off Flights Coupon Code – Ends December 30, 2014

    In response to the Air Canada promo, WestJet has released a 20% off coupon code.

    WestJet Plus
    WestJet

    Fine print:

    Promo code: WJP72
    Coupon code: NXRXJGF
    Book by: December 30, 2014 (9:59 p.m. MT)
    Travel from: January 7, 2015 to June 15, 2015
    Blackout Dates from: April 1 to 7, 2015 and May 14 to 19, 2015
    How to get this offer: To redeem this offer on westjet.com, both the promo code and coupon code are required at time of booking. Percentage is applied to base fare excluding taxes, fees and charges. Taxes, fees and charges are extra. Promo code may also be applied on a return flight with the same restrictions. Discount can only be applied towards fares displayed in the Econo category.

  • Canadians Can Now Earn WestJet Dollars on Delta

    WestJet has launched a reciprocal frequent flyer agreement with Delta Air Lines, a codeshare partner with WestJet since 2012.

    Westjet-Delta-Dec12

    The agreement allows WestJet Rewards members to earn WestJet dollars on flights marketed and operated by Delta Air Lines, with access to Delta’s extensive global network of more than 300 destinations on six continents.

    “Our agreement with Delta Air Lines offers yet another great benefit to being a part of WestJet Rewards,” says Marshall Wilmot, WestJet vice-president, Product and Distribution. “The program is growing in scope and recognition with the recent introduction of Teal, Silver and Gold tiers and the success of the WestJet RBC World Elite MasterCard, recently voted Canada’s top airline travel rewards card by Canadian consumers and MoneySense magazine for the second consecutive year. We will continue to look for ways to further expand the program to offer members even more benefits in the future.”

    In addition to the new accrual agreement, WestJet now also offers WestJet Rewards members the ability to use WestJet dollars on all codeshare flights marketed by WestJet and operated by Delta.

  • Air Canada – Giftmassive Giveaway – % off Flight (min = 10%, max=20%)

    Play Air Canada’s Giftmassive Giveaway everyday until December 24, and you could win surprise discounts on your next Air Canada flight, or even free flights!

    Seat Sale!
    Seat Sale!

    The prize breakdown is this:

    • 500,000 codes for 10% discount off any Air Canada Tango base
    • 350,000 codes for 15% discount any Air Canada Tango base
    • 150,000 codes for 20% discount off any Air Canada Tango base fare
    • 65 pairs of Economy Class round-trip tickets for the winner & travelling companion (Canada/US)

     

     

    Keep the prize or send it to a friend, and spread some holiday cheer. Everyone who plays will be eligible to win the grand prize: a flight for two in Business Class to any of our 180 destinations. See what’s waiting under the tree for you!

    Here is the link to the promotion.

  • Air Canada’s new Premium Economy Cabin is now available when redeeming Aeroplan Miles for Market Fare Flights Rewards

    Aeroplan Members can now use their miles for the Premium Economy cabin on applicable Air Canada flights when booking a Market Fare Flight Reward.

    aeroplan

    Premium Economy is a new class of travel, where passengers can experience superior comfort in a dedicated cabin, with premium meal service, enhanced amenities and priority airport services. Available on select routes, Premium Economy features a larger seat with more recline and extra legroom, giving passengers more space to stretch out and get comfortable.

    This flight reward can be booked via aeroplan.com or the Aeroplan Contact Centre.

    In early 2015, members will be able to redeem their miles for ClassicFlight rewards in the Premium Economy cabin on applicable Air Canada flights. Stay tuned for more details on the timing of this redemption.

  • CAR2GO Free Lifetime Membership + 30 Free Minutes of Driving Time

    Car2go is offering free membership + free 30 minutes of driving time if you sign up right now. Membership is usually $35 alone and driving time is worth at least another $7-$8.

    car2go-Toronto

    The official code is: CAR2GOTIME, but the link should take you directly to the micro page for the deal.

    Here is a link to the page.

    You can use your Car2go membership in any North American city that currently have the service, which currently includes

    -Toronto
    -Vancouver
    -Montreal
    -Calgary
    -Austin
    -San Diego
    -Washington D.C.
    -Portland, Oregon
    -Miami
    -Seattle
    -South Bay, LA
    -Minneapolis
    -Columbus
    -Denver
    -Saint Paul, Minnesota
    -Brooklyn
    -Eugene, Oregon

  • BMO World Elite Mastercard, 3Yrs Free, $400 (travel credit) Bonus

    BMO World Elite Mastercard has an incredible promo with Grand Cru Wine Festival.

    we

  • Air Canada Cyber Monday sale – 15% off your flight

    The best place to save this Cyber Monday is at aircanada.com! Take advantage 15% off worldwide destinations with Tango or Flex fares before they take off at midnight. Use coupon code CYBERMONDAY.

    air-canada

    The offer applies exclusively on new bookings made at aircanada.com on all Air Canada published fares and cannot be combined with any other discount offer. The discount applies to the base fare only, which form part of the applicable air transportation charges. Surcharges, which are also included in the air transportation charges, as well as applicable taxes, fees and charges are not discounted. Book by December 1, 2014 at 11:59 pm from your city of departure in Canada. Valid for travel from January 12 to June 15, 2015. Canada, U.S and sun destinations: Blackout dates apply from April 1 to April 7, 2015. Maximum of 9 passengers per booking. The discount applies to the base fare only, as displayed on the Review Page of the booking process. An advanced purchase may apply. All other air transportation charges, including surcharges, and applicable taxes, fees and charges are not discounted. This offer is valid on Air Canada operated flights as indicated only.