Don't go with Manulife
by Jason Huang on Dec 4, 2023
1 out of 5 stars
Life Insurance Reviews
Manulife Life Insurance Reviews
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(99 reviews)
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They have have been recognized as a best employer but they have the worst customer service. My father recently passed away and he had a whole life policy for both my brother and I. I called as co-executor of his estate to inform them of my fathers passing and to have our policies transferred to us. I sent the will and documentation in as requested and was informed we should each receive a package in 4-5 weeks. 6 weeks later I called back to ask if the policy transfer had been acted on. I was told they could not give me information for privacy reasons without the persons written consent. Is the will and appointment of executors not consent? I was told the matter would have to be dealt with by the Titles Division. I asked to be transferred and was told they don’t speak directly to clients they would have to call me. I asked they call me back in 3 business days which have now passed. Manulife has horrible customer service! You have options for life insurance, go elsewhere as they will not be there for you when you need them!
Part of the Manulife extended health involves mental health services. Professional services: Registered Counsellor and Master Social Worker.
I went and saw a REGISTERED COUNSELLOR because, allegedly, it is covered. I saw a previous counsellor for this reason, and it was covered without issue. Great. But because the counsellor this time also had "MMFT" in his designation, Manulife saw a convenient out and willingly chose to not reimburse me $300 for two separate sessions even though the invoice explicitly stated it was for personal reasons and not family or marriage related purposes.
I called their support to complain about this obvious crony behavior. I asked to speak to the manager directly, they refused. Their support agent filed a case, gave me a number, and said billing would correct this misunderstanding. THREE WEEKS LATER I had not heard back from them despite the claim email received stating they would get back to me. I call Manulife support again, and they have absolutely zero proof this claim was ever filed on their back end. They have no idea what I am talking about. Presumably, the support agent fabricated this claims email and claims number just to get me off the phone.
After further argument, they simply refused me on the basis of the counsellor having 'MMFT' designation in his name and NOT the explicit purpose stated in the submitted invoice for the reason why I saw this counsellor.
Manulife is like any other insurance agency and will rip you off the second they see the opportunity to.
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They try not to pay you for any reason. After submitting the dental claim, they didn't give me any response until I called them. Then, they need EOB. The thing is they should ask this early and let us know.
I swear I've lost 10 years of my life dealing with Manulife...
They never process the claims correctly and it takes them 2 weeks to process any of my claims. I can never let them process my claims and automatically claim the remaining unpaid portion through HCSA because they never process the claim correctly and end up spending way more money on the HCSA which you would have to spend even more time to get them to re-process and make the changes. That would be fine if they process at a reasonable speed but that's not even the issue... They would NEVER DO IT!!!! If their claim is not processed right, I would have to contact them for over a month straight to get a response and actually get things done right.
Questions are never answered, I have all my customer service conversation transcripts and they always say they forwarded my questions to their teams and they would contact me with the answers but I literally never hear from them again after that.
I would seriously pull my teeth out than to willingly choose them as a provider. I literally have no choice but to use them because my employer chose them.