Canada Life Health Insurance Reviews

No clear, complete, instructions to ensure you submit everything to them that they require to process your claim in a timely manner and if they need you to re-submit the same information to them that was included in your initial predetermination request, which drags out reimbursement. They seem to give you more information with each call you make to them, inquiring on the delay. It would also be helpful if they included the details of your coverage for that item, in the predetermination response, e.g. Up to $150 coverage once every year. They do not send updates as to the status of your claim, you must sign in daily to see if it is still pending or not, and no added info is added there... their system can cause financial hardship if you are relying on a quick reimbursement... Much easier to deal with a company who pays the service provider directly. Benefit coverage should improve more, annually, to keep up with the always increasing high fees charged by service providers for services required.

The worst insurance company ever, I have ever since June waiting on my refund for insulin the worst company ever, would not recommend at all.

I would advise individuals against engaging in any business dealings with Canada Life, as my experience with their insurance services has been unsatisfactory. The lengthy processing times and lack of clear communication have resulted in numerous errors and the need for repeated submission and reevaluation of requests.
Furthermore, it appears that the company is inclined to seek justifications to deny claims.
In my opinion, companies seeking cost-effective and reliable insurance solutions should explore alternatives to Canada Life.

I literally couldn't recommend a company less. I have no idea why our HR switched to Canada Life, but it takes over 6+ months to get any money back. I put in claims over 8 months ago, then left the company, and now they're refusing to pay me. Literally, AVOID at all costs. Horrible company.

I applied for my common-law partner to be on my insurance last November. It only got approved the next April. In the meantime, her wisdom teeth started to come out, and we decided to go to the dentist. I called to make sure that we were not in the waiting contribution period. The agent told me to go ahead with my dental appointment in July. Eventually, my dental insurance claim for her got denied because the contribution period was 1 year in their policy and my common-law was considered as a late applicant. Well, I'm so angry that they gave me the green light when clearly their agents do not even know their own policy. What a nightmare of an insurance company. How unfair is it?

They simply never answer emails or call back. Paid half of my claim and simply did not answer any question. Don't do business with them.

I am a retired public servant and since we have been dealing with Canada life, I felt valueless.
They don’t take the contract seriously. It takes me forever to receive compensation for a claim.
I am diabetic with complications in my vision and the doctor prescribed ozempic drug. I filled out the required form, and my doctor did his part as well. That form was sent in April 23 and got approved just yesterday!
They are doing this to me, although they will be paying only a small portion of the cost!
My wife went to the physiotherapist because she has an accident. Her insurance paid most of the cost, while Canada life has to pay only $15 per session, and they wouldn’t do it.
Also, the communication is terrible, and you have to call them every week to tell them the whole story again and again.
To be honest, I have been wondering why our union awards the contract to such a useless company!!

Worst service, 6 months still my claim not processed. They make you pay premiums for longer than my delayed processing. Hours of hold time. Pathetic service.

Customer service is brutal, beyond pathetic. French or English customer service reps are often unknowledgeable about the products/services Canada Life provides. Estimates for procedures take as much as 3 months to be evaluated, contrary to their stated 5–7 days. Most of this dysfunction is related to Canada Life securing an insurance agreement with the Government of Canada civil servants. Embarrassing!

The transfer from short term to long term disability has been nothing but horrible. Been going on about 2 months without pay because of them.