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OTIP/Edvantage “Treat Yourself” Contest

Rules and Regulations

Enter for a chance to win the grand prize of $3,000 Canadian dollars in cash, or 1 of 12 monthly prizes of $1,000 Canadian dollars in cash.


  • 1 prize of $3,000 CAD.
  • 12 monthly prizes of $1,000 CAD.

For more information on the prizes, see “Prize Details”. No purchase necessary. Restrictions apply.
Contest Period 
The OTIP / Edvantage “Treat Yourself Contest” (the “Contest”) begins at 12:01 a.m. Eastern Time (“ET”) on January 5, 2023 and closes at 11:59:59 p.m. ET on December 31, 2023 (“Contest Period”). Please read the full Contest rules and regulations below.

Contest Eligibility
Contestants must be at least 18 years of age at the time they enter this Contest. If entering through the Edvantage website, contestants must be active Edvantage members and a resident of Ontario. This Contest is open to all active and retired Ontario education employees, who are residents of Ontario excluding employees, directors, trustees and officers of OTIP/RAEO Insurance Brokers Inc. (“OTIP”) and their affiliated companies 1(collectively for purposes of this Contest, “OTIP”), the prize selection team, their respective immediate families and/or anyone with whom the employees, directors, trustees or officers of OTIP and Edvantage are domiciled, are also excluded.
To obtain 1 ballot, contestants must enter their contact information, being their first and last name, phone number (residential or cell phone), postal code, e-mail address and at least one of: auto insurance policy renewal date, home insurance policy renewal date or estimated retirement day (“Mandatory Information”). Failing to complete the Mandatory Information means the contestant will not be entered into the Contest.
Contestants can earn up to 2 additional ballots into the Contest by providing information that wasn’t already provided to obtain their first ballot such as their car insurance policy renewal date, their home insurance policy renewal date and/or their planned retirement date (“Optional Information”) at the time of entry into the Contest. Only 1 car insurance renewal date, 1 home insurance renewal date and 1 retirement date can be provided for a maximum of 2 additional ballots (1 ballot for the Mandatory Information including one date, plus 1 additional ballot per additional date provided).
By entering a policy renewal date for either home and/or auto policies and/or entering planned retirement date and entering the Contest, contestants agree and consent to having an OTIP customer service representative contact them prior to their insurance policy(ies) expiring, or prior to them retiring to receive a free, no-obligation insurance quote(s) and to discuss insurance matters applicable to them. Contestants do not have to be currently insured through OTIP.
Contestants providing renewal dates to insurers or obtaining quotes directly from insurers associated with OTIP will not be eligible to enter that optional information into the Contest. All renewal dates entered into the Contest must be for current, in-force home and/or auto insurance policies.
Contestants will have the option to opt-in and receive SMS marketing messages from OTIP by providing their mobile. This is optional, and will provide 1 additional ballot into the Contest, for a maximum of 4 ballots (1 ballot for the mandatory information including one date, plus 1 additional ballot per additional date provided, plus 1 additional ballot for opting-in to SMS marketing messages). For those subscribing to SMS marketing messages, only one subscription per person per mobile phone number will be sent. Contestants who do not wish to receive marketing SMS messages any longer may unsubscribe at any time by selecting the unsubscribe link in the SMS marketing message or by notifying Edvantage’s or OTIP’s marketing department at the contact information below.
Contestants will have the option to opt-in and receive e-communications from OTIP/Edvantage by checking a check box beside each e-communication option and will have the further option to answer the question, asking if they are currently an OTIP auto and/or home policy holder. None of these sections are mandatory and answering these questions will not provide a ballot into the Contest. Contestants who do not wish to receive marketing e-communications may unsubscribe at any time by selecting the unsubscribe link in the e-communication email or by notifying Edvantage’s or OTIP’s marketing department at the contact information below.
How to Enter – Online 
Go to one of the following websites during the Contest Period:  or
Complete the online form by entering all the Mandatory Information to be automatically entered into the Contest. Contestants must complete all mandatory fields on the entry form for the entry to be valid and the contestant eligible to enter the Contest. Click “Enter Now” to enter.  Earn a maximum of up to 2 additional chances into the Contest by completing the Optional Information. Contestants can earn a maximum of 4 chances into the Contest if all eligibility requirements are met. This Contest can only be entered once. Multiple entries under this rule, whether the Contest is entered multiple times under one website or at any time(s) through multiple websites, will be considered duplicate entries to the Contest, declared void and the contestant will be disqualified from the Contest rendering them ineligible for any of the prizes.
Entries are limited to one (1) entry per e-mail address. Duplicate entries will be declared void and the contestant will be disqualified from the Contest rendering them ineligible for any of the prizes. To be eligible, entries must be received during the Contest Period. In disputes, entries may be deemed to be made by the authorized account holder of the e-mail address submitted at the time of entry. Authorized account holder is deemed as the natural person who is assigned to an e-mail address by an Internet access provider, online service provider or other organization responsible for assigning e-mail addresses or the domain associated with the submitted e-mail address. Multiple entries into this Contest, whether through the OTIP website or the Edvantage website or both (listed above) will not increase the contestant’s chances into the Contest, will be considered duplicate entries to the Contest, declared void and the contestant will be disqualified from the Contest rendering them ineligible for any of the prizes.
Winner Selections / Draws    
Thirteen (13) separate and random draws will be made: twelve (12) separate monthly draws for $1,000 CAD, and one (1) grand prize draw for $3,000 CAD. The draws will be made from all eligible entries submitted online during the Contest Period through any of the Contest websites, combined. Each separate and random draw will take place in Waterloo, Ontario on the following dates and will be completed by an independent selection team.

  • January $1,000 CAD draw will take place on or about February 7, 2023
  • February $1,000 CAD draw will take place on or about March 7, 2023
  • March $1,000 CAD draw will take place on or about April 7, 2023
  • April $1,000 CAD draw will take place on or about May 6, 2023
  • May $1,000 CAD draw will take place on or about June 7, 2023
  • June $1,000 CAD draw will take place on or about July 5, 2023
  • July $1,000 CAD draw will take place on or about August 5, 2023
  • August $1,000 CAD draw will take place on or about September 6, 2023
  • September $1,000 CAD draw will take place on or about October 4, 2023
  • October $1,000 CAD draw will take place on or about November 4, 2023
  • November $1,000 CAD draw will take place on or about December 6, 2023
  • December $1,000 CAD draw will take place on or about January 6, 2024
  • Grand prize $3,000 CAD draw will take place on or about January 6, 2024

Maximum one prize per person. The winning ballot from one draw will not be reentered into the Contest for a chance to win another prize.
Odds of winning are dependent on the number of eligible entries received online through any of the Contest websites during the Contest Period. All decisions by the independent prize selection team are final and binding on the participants in all matters relating to the Contest.
To win any prize, the selected contestant must first correctly answer without assistance of any kind, a time-limited, mathematical, skill-testing question in writing before being declared a prize winner.
The selected contestant will be notified by e-mail or by phone using the information entered into the Contest. If the selected contestant cannot be contacted or does not respond after a minimum of 3 attempts within 7 calendar days from the first attempt at contact, or if a prize notification notice is returned as undeliverable, or if the contestant incorrectly answers the skill-testing question, declines the prize or fails to return a release of liability within 10 days’ time to Edvantage and/or OTIP, that contestant will be declared ineligible to win the prize, and another contestant will be selected in the manner described above.
When a contestant is contacted as the selected winner for a prize, he or she will be asked for an address to where the skill-testing question, a declaration of compliance with Contest rules, a liability and publicity release and their prize can be sent.
Post office box addresses are not acceptable as courier companies cannot deliver to box numbers. If the winner resides at a country address and/or a rural route address, the winner may be asked for their emergency-locate address or other identifiable information to assist the courier company with the delivery of the prize. The prize will be delivered to each eligible and confirmed winner approximately 2 weeks after the winner is confirmed save and except for any unforeseen events such as, but not limited to, a weather event, postal or courier strike, flood, fire, war, break out of disease, quarantine, hydro outage, service provider problems.  
It is the sole responsibility of any contestant to notify OTIP’s and Edvantage’s marketing department of any changes to their contact information by calling 1-800-267-6847 or in writing at:  OTIP and Edvantage, c/o Marketing Dept., P.O. Box 218, 125 Northfield Drive West, Waterloo, ON  N2J 3Z9, if they still wish to be entered into the Contest.
Entries and the prize claim are subject to verification and will be declared invalid if they are illegible, incomplete, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way.
General Conditions
This Contest is subject to all applicable federal, provincial, territorial and municipal laws and regulations, is void where prohibited by law and is governed by Canadian laws and the laws of the Province of Ontario. If any provision of these rules is found by any court of competent jurisdiction to be unenforceable, all other provisions will remain in full force and effect.
By participating in this Contest, contestants agree to be bound by these rules and regulations and the rules and regulations set out by the prize providers.
Neither OTIP and/or Edvantage will be held responsible for any errors or negligence that may arise or occur in connection with the Contest including, but not limited to, the contestant’s information (whether it be Mandatory Information or optional information) entered into the Contest by any person, including, but not limited to, a customer service representative.    
All entries become the property of OTIP and/or Edvantage upon receipt and will not be returned. By entering this Contest, contestants agree to the use of their personal information in accordance with the Privacy Policy regulating Edvantage at or at (for OTIP companies). When contestants participate in a Contest OTIP and/or Edvantage may keep a record of the information, response or any opinion volunteered without reference to their identity to calculate the Contest results on their respective websites or in other media such as business documents or leaflets sent to members. Collection of information, including name, address, phone number(s) and e-mail address under this Contest is strictly for the purposes of administering this Contest and providing any materials or information requested by the contestant. OTIP and Edvantage will use personal information the contestant submits for the purposes of contacting a contestant and awarding a prize in the Contest should the contestant be selected as a winner, and for contacting the contestant to discuss insurance matters related to home and auto policies or retirement matters should the contestant enter the expiry dates for their policies or an expected date of retirement. By entering the Contest, contestants who win any of the prizes, agree to have their names published; however, the identities of Contest winners and other personal information are never published without their written consent. If the contestant requests marketing information about Edvantage and/or OTIP products and services, Edvantage and/or OTIP may send the marketing information to the contestant’s e-mail address, residential address or as otherwise directed by the contestant. Personal information will not be shared with outside parties. If anyone wishes to receive marketing materials from Edvantage and/or OTIP or if anyone does not wish to receive marketing materials after consenting to do so can contact an OTIP or Edvantage representative at 1-800-267-6847 or by e-mail at or or they can opt out of any electronic messages by clicking on the opt out option. Note: all telephone calls are recorded for quality assurance.
Prize DetailsThe one (1) grand prize of $3,000 Canadian awarded will be in the form of a cheque in Canadian funds sent by Edvantage/OTIP to the winner to the address provided by the winner. The $3,000 cheque will not be replaced, refunded or reimbursed if lost, stolen or misplaced.
The twelve (12) prizes of $1,000 awarded will be in the form of a cheque in Canadian funds sent by Edvantage/OTIP to the winner to the address provided by the winner. The $1,000 CAD cheque will not be replaced, refunded or reimbursed if lost, stolen or misplaced.
OTIP and Edvantage will not be responsible for any lost, stolen, or misplaced prizes. The prizes will not be replaced, refunded or reimbursed if lost, stolen or misplaced.
Any and all taxes on any prize awarded, including income taxes, and any incidental expenses associated with collection of the prize, are the sole responsibility of the winner. No substitutions will be made for any prize except at the discretion of OTIP and/or Edvantage who may substitute a prize of equal or greater value in the event any of the Contest prizes are no longer available.
The prizes shall be null and void if the winners do not accept their prize by December 31, 2024.
OTIP and Edvantage reserve the right to withdraw, terminate, suspend, cancel, amend or modify all or part of the Contest, in any manner and any rule(s) of the Contest, at any time and without prior notice, for any reason whatsoever or if it determines that for any reason the Contest cannot be run as originally planned, including, but not limited to, technical failure or corruption, computer virus, bugs, computer, electronic or system malfunction, tampering, unauthorized intervention, fraud or any other factor(s) or cause(s) beyond OTIP’s and/or Edvantage’s control which in OTIP’s and Edvantage’s opinions compromise the fairness or integrity of the Contest and/or affect the administration, security, or proper conduct of this Contest as contemplated by these official rules. Under this section OTIP and Edvantage are not obligated to award any prize to any selected contestant.
If, as a result of an error relating to the entry process, entry, entry count, drawing or any other aspect of the Contest, there are more potential winners of the prizes than contemplated in these rules, there will be a random draw amongst all eligible prize claimants after the Contest Period to award the applicable prize.
By submitting a completed entry form to enter the Contest, the winner releases OTIP and Edvantage from any and all liability arising out of, or in connection with, this Contest and the awarding of any prize, now or in the future. By entering this Contest, the winner consents in writing to the use of their name, city and province where they reside by OTIP and Edvantage in a format approved by that winner, as well as any audio/video image, statements, and/or photographs in any related publicity and publication without further compensation, worldwide and in perpetuity, in any and all forms of media and social media now known or hereafter devised, including, but not limited to, the Internet, Facebook, Twitter, Linked In, You Tube, Pinterest, SnapChat and in any publicity or advertising carried out by OTIP and/or Edvantage, unless prohibited by law. OTIP and Edvantage reserve the right to post or publish any winner’s name, city, or province of residence, photograph, likeness, voice or other statements, as directed by the winner, on its website and/or on the website of OTIP’s affiliated companies and/or on the sponsor’s website for advertising and promotional purposes, where lawful, without further compensation to the winner.
By entering in the Contest, the winner agrees to sign a form of declaration confirming compliance with the Contest rules and regulations and agrees to release, indemnify and forever discharge OTIP and Edvantage and their affiliated companies, directors, trustees, officers, employees, the prize selection team and any of their parents, affiliates, agents, and contractors, and any advertising and promotional agencies whether for the Contest and/or the prize, and all their directors, trustees, officers and employees, from any and all action, proceedings, suits, liability, losses, costs, expenses (including legal fees and disbursements), damages, demands and claims of any kind, in respect of anything done by OTIP or Edvantage in the performance of their duties hereunder in connection with the Contest and/or resulting from the acceptance, possession or use of a prize or any part of a prize or any extension to a prize, including without limitation, but not limiting to, any loss, personal injury, death, disablement, dismemberment, property, home or vehicle damage, or claims based on publicity rights, defamation or invasion of privacy that could result from, but not limited to, the awarding or use of any prize, by signing an Agreement / Release Form as a condition to and in advance of receiving their prize in favour of OTIP, Edvantage, and the prize sponsor and neither OTIP, Edvantage or any company providing the prizes in this Contest, will not be liable for the use or misuse of the prize. OTIP and Edvantage assume no responsibility for the participation in the Contest or any liability, claims, demands, actions, loss, damage or personal injury that may be sustained by the contestants, the winner and/or the person(s) sharing the winner’s prize. The provisions of this section shall survive the termination of this Contest and may be relied upon by the parties hereto at any time.
Failure to comply with these Contest rules and regulations may result in disqualification from the Contest at any time.
OTIP and Edvantage are not responsible for any entries that are lost, late, damaged, destroyed, corrupted or misdirected, incomplete, garbled, or delayed by any computer, online telephone or technical malfunctions that may occur in the processing transmission or receipt of entries.
OTIP and Edvantage are not responsible for any theft, destruction or unauthorized access to, or alteration of, entries; failures or malfunctions of electronic data transmission, telephones, telephone lines or telephone systems, interrupted or unavailable network, server or other connections, any error, omission, interruption, defect or delay in any transmission or communication; traffic congestion on the Internet or for any technical problem, including but not limited to any injury or damage to the participant’s or any other person’s computer related to or resulting from participation in this Contest; the cancellation, suspension or preemption of games, injuries or timing errors, electronic or equipment failure or other communication problems occurring in connection with participation in this Contest nor is it responsible for any transmission of viruses from any OTIP and/or Edvantage website to a computer system or if any whole entry system crashes resulting in the Contest being cancelled or other problems or errors of any kind whether mechanical, human, electronic or otherwise.
Edvantage, OTIP, the prize selection team, and any of their parents, affiliates, agents, and contractors, including advertising, sponsoring and promotional agencies, and their directors, trustees, officers and employees expressly disclaim and shall be held free of all responsibility or liability for any loss or damage in respect to any prize howsoever caused, any act, error, omission, injury, loss, accident, delay or the neglect or default of any company or person providing any service for the Contest, whether through providers negligence or otherwise, or due to cancellations, adverse weather conditions, loss of personal belongings, illness, bodily injury, accident, death, deterioration of services, inconvenience, loss of enjoyment, disappointment or frustration, either mental or physical due to any Acts of God, force majeure or third party wrong doing, epidemic, social or political disturbances or due to any cause whatsoever occurring during the Contest and the use of the prize by the winner or person(s) sharing any winner’s prize.
To address any questions or comments, contact OTIP or Edvantage at 1-800-267-6847 and ask for the marketing department or write to their head office at 125 Northfield Drive West, PO Box 218, Waterloo ON  N2J 3Z9 – attention:  Marketing Department.
Caution: Any attempt by a contestant to deliberately damage any website or undermine the legitimate operation of the Contest is a violation of criminal and civil laws. Should such an attempt be made, OTIP and Edvantage (as defined above) reserve the right to seek damages from any such contestant to the fullest extent permitted by law.
Contest sponsor: Edvantage, OTIP/RAEO Insurance Brokers Inc., 125 Northfield Drive West, PO Box 218, Waterloo, Ontario N2J 3Z9. “Edvantage” and “Edvantage and design” and “OTIP and design” are registered trademarks of Ontario Teachers Insurance Plan used by OTIP/RAEO Insurance Brokers Inc. with permission. All other trademarks, service marks, images and logos are property of their respective owners and are displayed in this publication with permission. All Rights Reserved.
1 Affiliated companies mean: Ontario Teachers Insurance Plan, OTIP/RAEO Insurance Brokers Inc., OTIP RAEO Member Services Inc., Ontario Teachers’ Insurance Plan Inc., OTIP/RAEO Benefits Incorporated, TW Insurance Services Ltd., and Curo Claims Services Inc.