Skip to Main Content
The Review

Meet Zensurance, the company disrupting the insurance industry

Ideas

Category Archives: Ideas

Meet Zensurance, the company disrupting the insurance industry

Technology is changing how businesses around the world operate. Cutting-edge innovation is no longer confined to the type of industries found in science fiction novels, like biotechnology and artificial intelligence.

Traditional trades, like insurance, are now getting a much-needed boost and proving that there are new (and arguably better ways) to provide their services.

Who they are

Toronto-based startup Zensurance is one of the few emerging leaders in the insurance space disrupting how small- and medium-sized businesses find products they need. While insurance isn’t the first thing most think of when thinking about technological innovation, Sultan Mehrabi, Zensurance’s CTO, says his company’s work is changing the industry for the better.

“It’s about more than just selling insurance. What we’re doing is changing how people find the protection they need whenever they want,” he adds. “It’s about finally having Canadians be able to choose what they want.”

Danish Yusef, CEO of the Toronto-based startup, agrees. He’s excited about how Zensurance is turning the industry upside down and why (more importantly) the work they’re doing should matter to Canadians. “We’re excited to change how the insurance game works.”

Why it matters

The insurance startup’s impact in the industry is all too easy to see. Before Zensurance launched its services, commercial insurance — products sold to businesses and homes — was sold almost exclusively through specialized brokers that acted as the middleman between customers and insurance agencies.

They often prioritized in-person meetings over online communication and charged customers a fee to connect them with the insurance packages they needed the most. Zensurance does away with middleman charges by using its own AI-influenced technology that connects customers with their products.

“The insurance industry hasn’t changed much in the last 30 years. Most small business owners still have to fill out and fax 10-page forms, wait weeks and pay by cheque to get their insurance approved,” Yusef explains. “It’s outdated,” Mehrabi adds. “Business owners don’t have time to wait on hold to find out if they’re business is protected.”

Instead of relying on humans to coordinate insurance rates, the startup does something a bit different. Its own proprietary technology digitizes the experience and provides accurate quotes for businesses in mere seconds instead of the minutes it might take over the phone. Real-world data taken from interviews with insurance providers and brokers is also incorporated into the system so that it mimics a similar experience clients would encounter with a live agent.

How it works

The company’s digital-only process is easy to use. Startups and business owners can avoid the login hassle found on most websites and get a quote in minutes. Individuals merely type in their email address, answer a few questions about their product or business and are the emailed a quote with today’s biggest insurance providers. For those who still prefer an over the phone experience, agents are available 24-7 as well.

Zensurance’s easy-to-use process is just one way the company is lowering fees and also demystifying the insurance industry in the process. “When people learn more about the industry, they’re also able to make better decisions about prices and what products they need,” adds Mehrabi.

Since Zensurance is only available online (and not face-to-face) that means the company’s customers never have to worry about after-work hours or out of office messages when they need agent help..

“A lot of these insurance providers are only open during the day when these small businesses are at their busiest and don’t have the time to wait. The great thing is you can use our platform day or night, so you can do it when you have time,” explains Yusef.

For Mehrabi one an unexpected benefit is seeing how his company’s approach to insurance is actually shaping how their competitors tackle problems, which makes the industry better for everyone overall.

“We’re a technology company helping small business customers get the best insurance coverage. The [providers] we work with see what we’re doing and end up partnering with us and improving their systems, too.”

From science fiction to science fact: Tech that actually exists

For many, it serves as an inspiration and more importantly a peek into what the near future might offer. Everything from smartwatches to relatable robots can arguably be traced back to a fictional piece of work.

Thankfully technology moves at breakneck speeds and what was once considered impossible has quickly become reality. If you’ve ever wanted your very own hoverboard or a robotic servant to call your own, you’re in luck. Here are some of the best fiction-influenced technologies that now exist.

Hoverboards

Fans of Marty McFly – the wonder kid from Back to the Future – can finally rejoice. The hoverboard that helped propel the smart-talking, wise-cracking teen to new heights is now a reality. In 2015, car company Lexus introduced its own version of the device that relies on “magnetic levitation” (read: magnets that repel gravity) to achieve lift-off.

Since then other companies have stepped up and created their own. U.S. startup Hendo Hoverboards introduced the world to its first levitating device on Kickstarter two years ago and since then has launched four different versions of the board that look and move like a traditional skateboard.

Embeddable microchips

In most dystopian movies, GPS-tracking microchips are tools oft used for nefarious reasons. Bad guys inject the tiny, plastic devices at underneath the skin of the heroic protagonist (or protagonists) in an attempt to track, manipulate and in some cases even kill. Thankfully, in real life, things aren’t so bad.

While tech startups (and a few forward-thinking innovators) have long flirted with the idea of embeddable tracking technology it’s only in recent years that it’s become a real possibility.

Wisconsin-based Three Square Market is one of the first in North America to provide its employees with tracking chips that allow them to enter and exit a building at will and make cashless purchases from company kiosks. The devices, the size of a single grain of rice, use radio-frequency identification (RFID) — the same technology found in key fobs and smart wristbands. While Three Square Market’s chips don’t include in-depth tracking by choice the Swedish company — called Biohax International — behind the device does include that feature in its other smart embeddable products.

The Jetson’s ‘Rosie the Robot’

Robots are all too often employed by Hollywood as a way to demonstrate just how modern and advanced a society is without being explicit. It’s a popular trope that can be found in Star Trek’s Data, Ava from Ex-Machina and even Arnold Schwarzenegger’s character in The Terminator. While the characters from our favourite science fiction novels aren’t feasible just yet, several companies have figured out a way to emulate some of their best features.

Sophia, a humanoid robot created by Hanson robotics, is as close as it gets to a Rosie from The Jetsons. She can converse in up to 20 languages, easily mimic human emotions, clean and respond to questions in real-time. Her skills have even garnered her a vocal and enthusiastic following online and since being launched last year has appeared at the UN, Jimmy Kimmel Live and CNBC.

Driverless cars

Hiring a human driver is so passé. If science-fiction movies are to be believed the best way to travel is with an artificially intelligent and self-aware driver behind the wheel. Knight Rider’s Michael Arthur Long and his trusty sidekick — the smooth-sounding Pontiac Firebird Trans Am — were for many the epitome for what a smart car should act like.

The growing roster of driverless cars on the market, unfortunately, lack the spunk found in KITT (the affectionate nickname for the car) but they do showcase some of the basics that consumers will likely want in a vehicle.

Google, one of the top companies in the AI driving market, has seen its cars rack up a total of three million self-driving miles so far. It’s autonomous fleet rely on sensors to differentiate between pedestrians, other cars and cyclists and can transport individuals to their chosen destination, just like KITT.

 

Is Rewordly the savior content creators have been searching for?

Traditional news publishers are fighting an uphill battle these days.

A 24-hour news cycle, online social media platforms that regurgitate free news and a decline in advertising rates have created a hurricane of hurt for the news industry, but today’s biggest companies refuse to go down without a fight.

Media companies – like Toronto Life and Now Magazine – are looking for new ways to make money and turning to tech startups for a helping hand.

Enter: Rewordly, a Toronto-based tech startup. The company has created an AI-powered product called Readefined that lets publishers better gauge how readers engage with online stories, determine how much content users read in real-time and what multimedia aspects of a story people actually like via behaviour tracking software. These important metrics are the cornerstone for any publisher since it helps not only attract high quality sponsors but new advertising partners.

“We have a vision to truly transform– and help –  the publishing world,” says Mario Vasilescu, the company’s co-founder and CEO. “We’ve won some awards and are in discussions with Canada’s top four publishers and associations from around the world. It’s still early days, having just launched.”

A closer look at Readefined

 

Here’s how the platform works: A user signs up at Readefined and installs the company’s tracking software or downloads the official WordPress plugin.
Afterward the software starts interpreting patterns for every person that visits a publisher’s page and can even make AI-based suggestions about what writers can do to improve their content before they publish future stories.

dropoff

The company is currently in beta and working towards a mid-August launch, but for now publishers with views under 500,000 per month can sign up to use its software for only $19 per month. Companies with more readers are charged on a per view basis.

For Vasilescu, his company’s product is a way for newspapers – and content creators of all kinds – to truly understand what readers want in the digital age. No more guessing and conjecture.

Of course, the startup’s team has never worked for a newspaper, but they understand the difficulties legacy newspapers can face. Adapting to a changing industry is something Rewordly is all too familiar with. The company has undergone several pivots since it launched in 2012.

“We’ve had a winding journey. The initial product took shape while working at a management consulting company in Paris. It was really shaped by seeing how inefficiently content was managed internally and externally,” explains Vasilescu.

“As naive first-time founders, we initially built a single product that – with the benefit of hindsight – we now see was attempting to solve all of the world’s content-related issues in one behemoth of a platform. People got really excited about it, but would be totally overwhelmed using so we went back to the drawing board and created this.”

How are publishers adapting?

 

For most publishers, it’s the company’s machine learning software – which gets smarter over time as it processes different reading behaviour and content – that could provide the most return. Keeping readers online longer, more engaged and even being able to predict what will work best is crucial.

And a focus on superior engagement data couldn’t come at a better time. Online advertising is now under attack. Over $7 billion in click fraud is reported every year. Meanwhile, over 50 per cent of online users are using adblocking software and a little over one-third of traffic is fake, according to a Wall Street Journal story.

“Now is the time,” Vasilescu adds. “We’re ready to change how the publishing world works for the better. We’re excited to see what comes next.”

The top 6 apps entrepreneurs need to improve productivity

Staying productive isn’t easy. Especially when so many of us are bombarded with a steady stream of notifications, breaking news and emails every day. Is it really any surprise that overall productivity is on steady decline these days?

It can be difficult for even the most dedicated worker to stay on track in the face of so many distractions, but for entrepreneurs — who are expected to juggle multiple responsibilities alongside financial pressures and few resources — staying productive can be an almost hellish task.

If you’re looking for ways to combat distractions and improve your work efficiency, here’s a list of the most popular (and little known) apps that will change how you work for the better.

Awesome Screenshot

For developers and designers, it can be hard keeping track of the minute changes that seem to crop up on a daily basis. Projects that require group input often involve sending blueprints or mockups to group members that can end up clogging up inboxes or, in some cases, being ignored entirely.

Awesome Screenshot has found a way to get around that problem using its unique software that lets individuals snap a picture of a project that colleagues can then use to add comments, edits and even blur out sensitive information. These images are saved to an external database, saving crucial email data and giving internal team members or clients a chance to review documents at their leisure.
Where to get it: Find it online and Google Play

Streak

This fairly new plugin may not be widely known, but is definitely an app designed with entrepreneurs in mind. The platform turns your Gmail account into a powerful tool that lets any team member process sales, track product development and group customers into custom boxes to make it easier to contact and analyze.

Its free email templates and in-depth reporting function make it a great system for startups with limited funds.
Where to get it: Find it on the Apple store and Google PlayMove — daily activity reminder

Taking the time to maintain physical health is important. While most apps concentrate on ways to better manage our time, it’s been proven that physical activity can not only increase productivity, but provide long-term mental health benefits.

One of the easiest ways for entrepreneurs glued to their computers to fit in some daily exercise is to take walks. The iPhone app will remind you to take regular, active breaks throughout the day and record your progress over time. It also plays double duty as a gym buddy that features over 300 fitness exercises and the ability to create your own custom circuit training.

For Android users, an app called ‘Move It’ offers up many of the same features listed above with the added option to sync it with Google Fit to provide better step data and calorie counting.
Where to get it: Move: Find it on the Apple store and online. Move it: Google Play store

Have you ever had a great, life-altering idea pop into your head, but forget it because you didn’t have some way to write it down?
Well, Evernote may be able to help fix this annoying problem. The free platform helps users work smarter by letting them create customized to-do lists, upload notes from their mobile device, which can be shared with other users, and even craft personalized audio checklists.
Where to get it: It’s available via the Apple store, Google Play Store and online.

Asana 

Asana is the swiss army knife of online management tools. This oddly named application helps you manage tasks, oversee work projects from shared dashboards and track conversations all in one place.

It also allows you to collaborate with team members, assign tasks and schedule due dates so colleagues know exactly what to do and when to do it. Track progress on shared projects and chat about updates with other members all in one place so you can finally ditch those never-ending email chains for good.
Where to get it: Get Asana by going on the web, from the App store & Google Play Store.

Expensify (tracking expenses)

Keeping track of your employees’ financial statements and your receipts can be headache inducing, but Expensify wants to be the antidote to your money woes.

The app’s algorithms not only analyze company expenses in real-time to combat fraud,but also detect which items need an extra pair of eyeballs, such as managerial approval, if the purchase is sensitive in nature or exceeds set company limits. Expensify’s SmartScan features allow users to take pictures of receipts while on the road that are then automatically uploaded and saved indefinitely.

The best part is that it can be integrated with financial products offered by firms like QuickBooks (small business accounting platform), Zenefits (HR management software) and Xero (a data management software company).
Where to get it: Find it online, the iTunes store or Google’s app store.  

How this startup aims to transform transgender care

The month of June is almost over, which means Pride Month is officially winding down.

For years, civil rights groups focused their efforts on guaranteeing that LGBTQ Canadians could marry, live and work without fear of discrimination. While there’s still more that needs to be done, 2017 saw a slew of long-awaited, and well overdue, civil laws enacted.

Earlier this month the federal government passed legislation that would protect transgender Canadians from gender-based discrimination. The law also expanded the country’s hate speech laws to make targeting someone based on their gender expression illegal.

Meanwhile the Canadian government is pushing forward with legislation that would pardon or expunge criminal convictions for thousands who were arrested — before same-sex relations became legal in 1969 — under the country’s gross indecency laws.

Maggie Bergeron and her co-founder Ellie Afif are using their Toronto-based startup called Embodia to help transgender Canadians in a new way. Their company which produces educational courses recently launched a new series aimed at helping pre- and post-surgery transgender Canadians. It’s the first of its kind in the country and a big step forward for transgender men and women across the country looking for online guidance.

The duo were inspired to launch the series after realizing there were few places that provided similar offerings, especially outside of major Canadian cities. The team behind the course worked with researchers, nurses, doctors and the transgender community to make sure the content was accurate and helpful.

“The course is meant to support the community who identify as transgendered or gender diverse and want to be aware of the best protocols and health available,” says Bergeron. “The video course is meant to help transgender people through the transition period through exercise and mindfulness training”.

Noah Hicks couldn’t agree more. The Niagara resident says his trans journey was largely aided by his laser-like focus on fitness and health and wishes something like this existed before he transitioned three years ago.

“Fitness was a big part of helping my mental well-being while dealing with gender dysphoria – it was such a positive outlet that helped me not only mentally, but physically, and I still continue to work out and enjoy it as a part of my regular routine.”

For Bergeron a gap in the market, like this one, is an opportunity for Embodia to make a difference. “Some healthcare providers wouldn’t have specific knowledge about how to empower people going through transition and give them a supportive community. Through Embodia there’s a forum for transgender Canadians and people taking the course, who then can choose to post anonymously and find specific exercises and track progress”.

Of course this is just the beginning for what the company plans to offer minority and LGBTQ Canadians in the future, she says. “It’s the beginning for us and the timing is good for creating this consumer facing course because we just launched another course on the cultural implications about minority groups, LGBTQ, religious groups, Judaism, Hinduism and Muslim and what you need to think about.”

Automation and AI- is your job next?

The DMZ brought together some leading minds to discuss the economic and social implications of automation. The fifth installment of #DMZSession titled Robot Revolution included panelists Sean Mullin, the executive director of the Brookfield Institute, Krista Jones, head of work and learning at MaRS Discovery District, and Kavaskar Thiya, the founder of Nikola Labs. The discussion was moderated by Dr. Stephanie Walsh, an associate professor at Toronto Metropolitan University who’s currently leading a research consortium on robotics and autism spectrum disorder.

Here’s what you missed:

The societal impacts of automation are real

Krista: “I see the inevitability of software automation occurring in all industries around the world. I don’t see an area that’s not being impacted in the short term… I get most concerned as a citizen about those who don’t have access to incremental training or who aren’t able to keep up with the devices that we’re using. I see us creating a wider divide between the haves and the have-nots.”

Sean: “42 per cent of jobs are at high risk of being automated over the next 20 years… Low levels of university attainment, for example, are correlated with these high-risk jobs. There are already less high paying jobs and they tend to be much more routine oriented.”

There’s lots we can do to prepare ourselve

Sean: “If you look at the types of competencies that are going to promote success in the workforce under these types of changes, they’re things like creativity, critical thinking, judgment, cognitive ability, and the ability to interact with people. We’re going to need to create a package of things like a strong social safety net, early retirements, and rapid retraining.”

Kavaskar: “Look into programming as a new skill to double up on. I think it’s crucial for everyone to learn some form of programming, so you understand artificial intelligence better.”

Automation is critical for entrepreneurs

Krista: “Any success with an entrepreneur has to be twofold: It has to actually solve a problem for the customer that it’s solving for and it has to be able to create a workplace that makes money… And automation is essential for both. We as people have fundamentally changed and there’s just an expectation that products and services we use … that has an element of automation built in.”

The onus is on us to educate ourselves and be ready

Kavaskar: “You don’t have to depend on a school and you don’t have to wait for curriculum to catch up. You can go online and learn anything you want on YouTube. We definitely have to put it on ourselves to be ready for [imminent changes in] the workforce.”

Krista: “This transition has to be owned in the next 10 to 15 years by the individual, because we won’t be able to change bureaucratic systems fast enough to keep up with the change that’s happening in the world.”

Sean: “Where I think institutions, like universities and others, will have to look back at things that are actually going to be intel to you from the effect of automation, and that’s hands-on experience, creativity, experiential learning and problem solving.”

How do we protect ourselves from automation?

Sean: “ Going forward, we have to collectively take a look at our social safety nets specifically and also the social fabrics of how we perceive work and jobs in the future.”

Krista: “I’m going to take it to a more human level. Once a month, take somebody who is afraid of technology and automation, talk to them, make them comfortable about it. Help bridge that gap because there’s a large percentage of people who are terrified of change.”

Kavaskar: “Education and awareness. Media has a big role to play in teaching people what machine learning is and what artificial intelligence is.”

Meet two Toronto startups that are defining autotech

Rover Parking matches drivers with the perfect parking space at a fraction of the cost of traditional lots. Launched in August 2015, Rover operates through a mobile app similar to Uber that flags unused driveway space that drivers can book for as little as two dollars an hour. Since joining the sharing economy bandwagon, Rover is often referred to as the Airbnb of parking

The idea of a cheap and convenient parking app came from the grief of co-founder Grant Brigden’s daily commute,

“One day I was walking to the subway and I saw a meter cop ticketing a car, but in my peripherals I could see dozens of empty driveways, said Brigden. “It was crystal clear that there was a better, more convenient way for people to park, without having to worry about tickets.”

Anyone with an unused driveway space can register it on Rover. It then appears on a mobile map and is matched to drivers with nearby destinations. Although Rover’s mandate is to make parking convenient and affordable, they also aim to change commuters’ perspective on mobility as a whole. “We’re looking at mobility in a bigger way. Now people can park where congestion starts and take uberPOOL or get a bikeshare for the last mile of their commute. By disrupting the parking industry, the whole concept of mobility changes because we’re offering new, more convenient opportunities.”

Although mobility is the focus, Rover takes prides in being a community brand rooted in sharing and trust. Initiatives like ‘Rover ‘til Sober’ encourages drivers not to get behind the wheel drunk and donates portions of the parking tab to local pet shelters.

Looking for another company that’s getting creative on concrete? Try Fiix, the startup that’s making mechanics mobile by bringing garage services to the comfort of your own home.

Fiix lets you select the repairs you need, the time and place you need them, and delivers a qualified mechanic to your door to perform the task. Fiix aims to turn the industry on its head by eliminating the middleman, ordering parts from the same distributors as auto shops, and charging customers without inflation.

“When we first started with tire changes, we approached it from the customer’s perspective,” said Fiix CEO Arif Bhanji. “Generally, we know people hate going to the mechanic, largely because of three things: inconvenience, price and transparency. Fiix can solve all of that.”

As opposed to the typical auto repair model, car owners can watch their cars get fixed, ask questions and build a rapport with the mechanic working on their vehicles, offering complete transparency.

In the short eight months they’ve been in operation, the team at Fiix has grown from one to 15 mechanics. The company plans to continue expansion as demand continues to rise.

With the winter months upon us, whether you’re looking to get your tires changed or find a hack to cut down your lengthy commute, Fiix and Rover have got you covered.

Innovation in education: Why Canada needs it now more than ever

Global Entrepreneurship Week is the largest celebration of innovators and job creators, aiming to raise global awareness about the benefits of becoming an entrepreneur.

From small towns to big cities, entrepreneurs all over the world are creating an economic and social impact that continues to improve the livelihood of millions. How so? Small street vendors in Bangladesh are introducing mobile payment and microfinancing into their businesses. Right here in Ontario, we’ve reached our highest level of women entrepreneurs and a much more equal distribution of startup founders across age and income groups.

With entrepreneurship becoming more opportunity-motivated, people around the world are finding ways to create, build and share their innovative ideas. If this is turning into our new normal, are we doing enough to make sure that our youth are equipped with entrepreneurial skills at a post-secondary, high school or even elementary school level that reflect the needs of our modernized job market? A key piece to our future generation’s success is missing from the majority of our K-12 classrooms – entrepreneurial and innovative education. It’s never too early to encourage youth to think with an entrepreneurial mindset. And in order to drive change to the curriculum, it takes key players, from government to school boards to private sector to veteran entrepreneurs to get involved. This is what my next piece in the Huffington Post delves into. Read about next piece in the Huffington Post.

Are we celebrating Canadian entrepreneurs?

If asked to name a famous Canadian hockey player, the names Wayne Gretzky or Sidney Crosby may come up. If asked to name a well-known Canadian entrepreneur, it may take a bit longer to think of someone. But why is that?

My next piece in the Huffington Post delves into a survey conducted by Ipsos on behalf of the DMZ, which found that 40 per cent of Canadians can’t name one Canadian entrepreneur. Read my take on this and more here.

From Europe to the DMZ: How three entrepreneurs made the most out of their summer in Toronto

From Europe to the DMZ: How three entrepreneurs made the most out of their summer in Toronto

In six years, the DMZ has given over 25 entrepreneurs from around the world an opportunity to learn the ins-and-outs of the Toronto startup community. This past summer, three entrepreneurs from Ukraine and Poland got to join our growing roster of international fellow alums.

The two Ukrainian startups – Adtena and Navizor— were graduates from 1991, the first non-profit incubator in Ukraine. They were offered their fellowships by Marie Bountrogianni, Dean of the Chang School of Continuing Education, in partnership with the Western NIS Enterprise Fund. Tutlo, the Polish-based startup, was recommended by the Warsaw School of Economics, a renown business school that Ryerson has been building academic ties with.

Learn a bit more about our fellow startups below.

  • Adtena, an online platform for managing advertising campaigns in Wi-Fi networks, which provides precise geolocation and customer targeting.
  • Navizor is a web and mobile navigation platform that allows users to analyze road conditions and plan driving routes.
  • Tutlo offers a platform for people to become a language tutor instantly, and offers students the ability to connect with native speakers at a lower cost.

 

What made you decide to apply to the International Zone Fellowship Program?

 

Andriy: We became one of the winners of a competition at 1991, an incubator in Ukraine, which allowed us to apply for the fellowship program at the DMZ. I’m here for the first time and it’s actually a great opportunity for us to develop our startup for the North American market.

Damian: Our startup is based in Poland and one of the main challenges for many local startups  is that we concentrate on our domestic market instead of focusing on the global market. Being a part of the DMZ gives us an opportunity to look at our business from a different angle and to begin thinking about expanding into new markets. There are a lot of experts, mentors and advisors who are able to give us unique advice.

 

How has your DMZ experience been so far? How has being here helped or influenced your business?

 

Andriy: It’s great. I made new connections, new friends. I believe it’s helping us develop our business plan and make partnerships  – that’s why we’re here and I hope it will continue to be a great experience for us.

Oleksandr: It’s an amazing place. The DMZ is where you can make connections or meetings with any mentor you need and any company on the market. It’s amazing and it’s easy to reach anyone in executive positions I’ve conducted some research already and I’ve learned a lot.

 

Did you set foot on any tourist attractions in the city?

 

Andriy: Yes, I visited the Toronto Island with one of my friends from Ukraine. There’s a campsite on the island. So, we made a campfire, ate marshmallows and looked at the Toronto night sky. It was really great. I also visited Wonderland. I rode the crazy rollercoasters. It was pretty cool.

Damian: I prefer sightseeing on a bike so I rode my bike around downtown. I haven’t been to the CN tower… so I plan to go there.

 

Did you learn anything about Canada that you never knew before?

 

Andriy: I really do love the natural parts of the city, because downtown is very big, and very crowded. But when you go maybe half an hour from the city, it’s really different and there are a lot of beautiful places where you can just stay and relax. It’s a very beautiful country and I love it!

Oleksandr: It’s my first time in North America, so the first thing I learned is about the people. They’re so open to conversation anywhere, even in the street..

Damian: I really like that the people here are really positive and open-minded. I read that Toronto is a multicultural city, but I didn’t know it could be this multicultural. It’s great!

« Older Entries

Newer Entries »