Independent Life Insurance Reviews

Blue Cross Life Insurance Reviews

(16 reviews)
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Category: Customer Service
(1.4 out of 5 stars)
Customer Service:
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Health Insurance is BAD

(1.0 out of 5 stars)
by RL Feb 29, 2020
...Terrible service and run around. Hard to get in touch with. I wouldn't cover my medicines without proof from my Doctor that I had tried cheaper drugs first. Who asks for the strongest and most expensive drugs first! Don't waste your money...
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Denied claim

(1.0 out of 5 stars)
by J Jan 06, 2020
...Denied my claim and gave me 3 months to appeal. I emailed them for more information the same day and a month and a half later they still have not responded. I have hired a lawyer and they won’t call or email him back either...
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Save your money!

(1.0 out of 5 stars)
by Torontarian Jul 12, 2019
...These guys ripped me off! Long story short is by the Canadian laws, if you had travel insurance then you've got provincial insurance covering you, these insurance companies must refund you the rest of the time you have bought from them! I was literally broken then, and finally had our OHIP but these guys refused to refund us even though I extended our insurance with them 1 or 2 weeks before that! Their claim for not refunding us was that we made a claim one time for my daughter when she got sick and took her to the emergency! However, that was in the old contract, not the new one! So when I spoke to a manager on the phone and explained to her that I just extended my insurance to technically it's a new one, she replied that 'you're right, but this is a trick in our policy and I can't help you!' Well, the amount that they were supposed to refund me was about $300. It's not much! But back then, I was literally broken! I used to work 14 hours a day at two jobs to feed my daughter and wife and that $300 made lots of difference to me! Anyway, I'm happy to say that I know more than 25 people from family and friends who came to Canada for long and short visits and the first thing I'd advise them not to do is getting their insurance from the Blue Cross! It'll always be one of the first things I'd tell anyone coming to Canada not to get their insurance from this company...
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Travel Insurance

(5.0 out of 5 stars)
by CanadianAbroad May 25, 2019
...I saw a lot of bad reviews so I wanted to share my experience. I have 360 days of travel insurance with Alberta Blue Cross. I'm on an internship in the USA and bought a year's worth of insurance. I have had to go to the doctor 4 times. Once I had to go to a hospital. They've covered 100% of my expenses. I've only had to pay my prescription and then I can mail them my receipt and be reimbursed. I appreciate how effortless they've made this and how they direct bill at the doctor's office. The hospital I had to pay a "down payment" (America..) and the hospital sent me many notices of sending me to collections until Blue Cross paid them (it took maybe 2 weeks and I received around 6 letters). Blue Cross apologized for the hospital and said they should never have contacted me that soon. The customer service agents were incredibly helpful and reassuring during that stressful time. I've gone in for a UTI, Kidney infection, eye infection, strep throat, and cyst removal and my travel insurance covered everything. Highly recommend Blue Cross for your travels...
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Individual Insurance Plan

(1.0 out of 5 stars)
by agood May 17, 2019
...Blue Cross Insurance is the worst insurance company. Their Individual and travel Plan is a scam, a rip-off. This company collects money only and rejected all my claims, so after three months I cancelled my individual Health Insurance with them and lost three months’ pay. I am happy am out because it was so frustrating with Blue Cross...
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Really bad customer service

(1.0 out of 5 stars)
by Mike b Feb 26, 2019
...Had a very bad experience talking with a representative at Blue Cross. After telling me I cannot claim dental using the app or online and that I had to go to their office and hand it in, I noticed that I have not received the claim after 2 weeks. I called and visited again talking to a nice lady, who was very helpful and kind. She told me to call her within 7 business days if I didn't receive the payment, and just ask them to transfer the call to her since she is aware of my situation and what the problem is. After 7 business days, I call Blue Cross again, wait for 40 mins and finally talk to a representative who is very rude and asks me to go through the details. After asking her if I can talk to one of her colleagues, she responds that she is on another call and it can be a bit of wait. I told her I don't mind the wait since it would be easier and I rather not explain my case again since apparently it's been complicated and the previous representative already knows my case. Then she replied that such a person DOES NOT EXIST in the office. I give her descriptions and she asks me if I know her last name which I reply that I don't and she gave me her card and I described her looks again. She then goes and tells me that she's the only representative available and I explain my case and how I have been waiting for more than a month for the claim and yet have not received any money. She responded that there was a mistake with the address (which we updated the profile and everything in my meeting with the previous representative) and then I ask her if it can be directly deposited in my account and she makes an excuse that she can't do that... I mean how is such a thing not possible, especially since my bank is linked to the app and everything? She tells me to either pick it up from the branch or it will be mailed to my "new address" within 5-7 business days. I asked if I could have her name just in case the cheque doesn't go through or I don't receive it so that I can talk to her again instead of explaining everything again to a new agent and she says she rather not. After I explained how this would be easier she gives me her first name. I reminded her that maybe there are other people with her name or that another representative doesn't know her first name and also that when you call the number and you know the first 3 letters of the last name, the directory will automatically connect you to them - which saves a lot of time and not being on hold. She refuses several times and just gave me the first letter of her last name. I mean how is that useful? And wouldn't another representative ask if I know her full last name again? This is just sadly ridiculous and cyclical. And if any of the Blue Cross members are reading this, please explain and teach some manners and common sense as well as empathy to your workers and colleagues. Unfortunately, it seems like some are desperately in need of some guidance...
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near total waste of money

(1.0 out of 5 stars)
by miguel Jun 05, 2018
...My mom had Blue Cross health insurance for 26 years, spending about $19000 in total. Whenever she had health expenses, they weren't covered. When she was in hospital, she was entitled to a semi-private room through her insurance but the hospital wouldn't move her and Blue Cross refused to call them to clarify the situation. Finally, after we put up a big fuss, she had a few days of her 3-week stay in a decent room. After years of this, we called to get some documents telling what is actually covered, they sent the new card we requested but nothing about what is and isn't covered. When she died, they said they would process a refund. I sent the doctor's death declaration but they e-mailed 2 weeks later saying they wanted a death certificate. It is too late to bother now, the last month is over. The whole thing is pretty much a scam, you are better off putting some money aside for unforeseen medical expenses or going with a REAL insurance provider...
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(1.0 out of 5 stars)
by FEDUP Mar 28, 2018
...I purchased full coverage health insurance in...2012. And off to Phoenix for the winter we went... I ended up in Casa Grande Hospital with a heart attack. Blue Cross took 1.5 days to ok surgery. They even asked the cardiologist to release me to fly back to Saskatchewan, the doctor would not do it. I kept getting bills for many thousands for months afterwards, I was calling Blue Cross all the time about these bills, finally 8 months later, Blue Cross informed me there won't be any more bills coming to me because they paid for it all. Except the after checkups at the doctors in Arizona. I paid for that. Now, YEARS LATER, this morning March 28th, 2018, I received a phone call from a collection agency wanting the ambulance bill amount of 1800US or it was going to be on my credit bureau. I called Saskatchewan Blue Cross about this bill they did not pay ( I paid for the top coverage they had which included an ambulance ) and...I am not getting anywhere with them...I am getting ahold of my MLA about this...DO NOT BUY FROM THIS COMPANY...
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(1.0 out of 5 stars)
by Bisho Aug 27, 2017
...I have lived in several countries and tried different kind of insurances. This Blue cross is unbelievable! When you register with them, they don't bother to tell you all important details. You will be surprised with it only when you are calling for a claim. 1st of all most of insurance companies provide in-advance payment for their customers. it means when you visit a doctor they will pay everything and you have to pay nothing! but Blue cross will make you pay first and then send whatever documents for the amount you paid. after more than a week i called because i didn't receive any reply from them and the agent in a very rude way told me "what? you sent it a week ago? it takes 3 months!!!!". Nobody informed me this when i came to register!! 3 months to get a refund??!!!! For me this is the worst insurance company ever and i will never recommend it to anyone!
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Blue Cross Insurance

(1.0 out of 5 stars)
by LC Aug 25, 2017
Terrible, not worth your money and time. I was with the insurance company for 8 months and it has been the most difficult insurance I've dealt with before. Usually I never write reviews when I'm unhappy about a service, but I would like to let people know that they're not easy to deal with. Over the 8 months I've successfully claimed my money back 3/5 times. I received 1 cheque 4 months later, after constant following-up with Blue Cross. I've decided to cancel Blue Cross even though I still have 1 more cheque that have not been sent to me. I've dealt with this claim for over 8 months. They mailed me letters requesting for more information after each time I have provided what they had asked for. Suddenly, a month ago I received another letter in the mail from them (even after I responded to their previous info request) saying that if I hadn't replied in 30 days and this has not been dealt with, they will close the claim and I will not be able to receive any money. What had really upset me was when I called in the last time, they told me the reason they're only allowing me 30 more days is because they have already given me 8 months to deal with this. I was extremely disappointed as I have clearly been responding and providing with all the information they've asked for. I'm really upset that they keep pushing me around so they can buy more time and not give me a proper response, and tell me they've given me so much time. I will never recommend anyone using this company.
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Bluecross? Criminals.

(1.0 out of 5 stars)
by aliveandwell Jul 14, 2017
...I was in a very serious car accident (rear-ended) and could not work for 9 months. I applied for short-term disability which was part of my plan and do you think I saw a penny of that? Nothing. I would send in two specialists reports plus my GP's report per their request. Six weeks would go by without a word and I would get a letter advising it had been over a month and they needed updated medical reports. I would send them in, 6 weeks would go by, I would get a letter saying the same thing. After these crooks doing that THREE times to me I handed it over to my lawyer. He sued and we won. I only gave them a star because you had to give at least one. They don't deserve even one star...
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No actual "benefit"

(1.0 out of 5 stars)
by WJ Apr 27, 2017
...You may be thinking you're getting a good deal but your not. Everything is deemed "pre-existing" and nothing is covered. You also have to wait 6 months for some coverage to start (Medication). The blue assured plan is ridiculously expensive and covers you for crap all. DON'T PURCHASE. It is more beneficial to pay as you go....Sad...
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A complete scam

(1.0 out of 5 stars)
by Disappointed1701 Sep 08, 2016
...The individual health insurance seems great. The plan seems to provide many benefits for a low cost. If you claim a benefit? Your medical history will be investigated and you will be labelled as having a pre-existing condition, regardless of your actual medical history. You will be unable to make future claims for this affliction. If your doctor disputes these findings and sends a letter to Blue Cross, it will be ignored. You will spend in excess of four months going back and forth with the very friendly but entirely clueless and useless customer service staff. In short, a COMPLETE waste of time and money. Avoid at all costs...
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The worst health insurance

(1.0 out of 5 stars)
by Nick Aug 23, 2016
...I had 2 claims returned for ambulance bill for a reasons not specified in the policy and only to create more inconvenience and headaches. The first claim was returned because the statement from the hospital was not enough and needed a receipt.The second claim was declined because the receipt from the hospital for ambulance service does not specify origin and destination for the trip like i am going on a vacation. This is the very same receipt the hospital issues to all patients and it is a standard Ontario flat fee for ambulance service, regardless of the origin and destination. The only reason i am with that insurer is because is a group insurance from the employer. Worst ever customer service!...
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Worst company EVER

(1.0 out of 5 stars)
by Brew Aug 25, 2014
...I had the largest policy Blue Cross offered while I was a student in university. 1 million dollars in coverage towards travel for needed hospitals. When I contracted a rare cancer and had to fly 3000 miles away for treatment, I went to blue cross to put in a claim. Phone call after phone call and an afternoon of face to face discussion with my policy proof in hand, I was denied any coverage at all!! WHat is the point of having insurance, if the providers are complete crooks? Their reason for denying my claim was that I would have to prove that I was going to die if I didn't fly to another hospital? They don't even treat what I have anywhere else!! The only way to prove you would die otherwise is to die…
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(4.0 out of 5 stars)
by Kencito Apr 13, 2012
...Always willing to answer all questions...
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