Canada Life Life Insurance Reviews

Over a month to add someone to plan despite numerous escalations then denying claims.
Denying claims for prescriptions saying it's not a prescription.
Two months wait for claim to be told the website doesn't always take claims and they have no record.

If they were robots my overall reveiw would be better, because their app is someway functional and it looks like when a claim is automated, it works fast. Thus, human approach does not exist! If any claim goes out from the app or it's something higher than 150$ or for payment of sick leave, they make your life HELL!!! More than three years I have been paying this company through my employer since I had no choice, and when it comes to collect our money - efficiency is their word, but for the contrary, delays are long and they indicate that everywhere. Good luck and patience if you have to deal with them!

CLAIM reimbursement time and wait times for agents on phone don't get any worse than this. Company is an absolute TRAIN WRECK. 4 endless 7 phone calls and 3.5 months later and no reimbursement sent yet for standard claim that we've done for years. Service gets worse /longer with each passing month. One Rep tells you 7 days after several past calls had reps saying the same thing. That was 3 months ago calls. They acknowledge the claim and nothing of in question but they just can't seem to get anyone to refund your out of pocket. How simple and quick this process must be but NOPE. Why don't you take some of the profit and hire competent people that actually want to work? People that have bills to pay and families to feed. Maybe pay them some real money to do the job correctly? Just a thought. This company seems to be very mismanaged or at the very least needs to clean house soon with employees. I didn't think the rating could drop much from a 1.3 five months ago but sure enough it's now 1.2/5.

Why are customers/plan members waiting 2 months for claims to be processed. I would never recommend Canada Life to anyone.

Le service est horrible. Les employés ne sont pas polis, ils ne sont pas formés correctement et ils n'arrivent pas à traiter de simples demandes. Le suivi des demandes est médiocre. En fait, il n'y a aucun suivi de fait. Ils refusent de couvrir des éléments qui sont dans le contrat d'assurance. Je vais évaluer la possibilité de déposer une plainte aux instances qui protègent les clients de ces pratiques abusives de la part des compagnies d'assurances.

Denied my claims on my PERSONAL HEALTH PLAN, in which i have $500 to use “freely” for stuff that isn’t covered (which is literally everything, there is terrible coverage with this company).
Im now $500 in the hole from PHYSIOTHERAPY that was supposed to be covered!

It's very difficult to submit a claim, and when you do it takes forever to receive the money back.

Also, when you need massage therapy, you have to get a prescription, while other providers fine in covering it.

Similarly, they keep changing their plan to make more money on you. For example, i just received a letter in the mail about : " brand name prescription drugs". " The plan changed how claims for brand name prescription drugs are paid. It implemented mandatory generic drug substitution on July 1, 2023. This means that when you submit a claim for a brand name drug that has a generic drug equivalent, the reimbursement amount for the brand name drug is limited to the cost of the generic drug equivalent. This applies even if your prescription indicates "no substitution". Personally, it sounds like a SCAM, where they try to maximize profits for the expense of the client.

Recommendation: Stay AWAY

I gave up on calling in because the service is equal to dealing with a child who likes to disagree. Tried contacting them through the website Contact Us.
1) An inquiry was put in six weeks ago, then four weeks ago and finally three weeks ago for the same reason. Still haven't heard back.
2) A claim was put in over three weeks ago for a substantial amount and it is still pending with no explanations or reasons. I must be made of money.
3) A different inquiry was put in recently for a different item to see if we have coverage. Still nothing.

It seems as though they are very understaffed or the staff, they do have, are incompetent. It could very well be both. Regardless of the reasons, I would never choose them over our previous provider. I would have given them all zero stars but that was not an option. I'll call a duct cleaning company to see if they offer a better service.

Terrible wait times to get connected to an agent. No call back option when you can receive a call once an available agent is ready. I waited 2 hours... TWO hours to get connected. For a big company, this is absolutely unacceptable. Phone call and claims take forever to process. I would not recommend this insurance company at all. Come on, Canada Life! Customers don't have enough time in the day, stop wasting ours!!!

Wait time for claim is insane. Was on hold for 45 min just to be hung up on.