I called them before I booked a ticket that has a stop over in Canada. I was told I would not need a transit visa in Canada to the US since I was not exiting Toronto airport in Canada. Big Lie! They told me that because they wanted to make money. Departure airport would not let me board the plane without the transit visa. Had to purchase a new ticket entirely. As I type this, Smart fare is yet to refund me. Never ever again!