Canada Life Life Insurance Reviews

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.

Was turned down for coverage but they still kept my money. How is this “company” still in business??!?
Now a lawyer needs to come into play.

Their claim process is highly flawed, something out of the 1990s that has not been upgraded ever. It is not user friendly at all and sends you in circles with different names for what you are claiming for. The mobile app is even worse with the inability to download forms. This is 2023 it should not have to be downloaded, we should be able to just fill it out add pictures of receipts and submit, done. I swear they make it difficult to just pay the bill yourself. If my work did not have this plan, I would not have this. Buyers beware!! Pharmacy prescriptions is the only part of the plan that works well for me so far.

Call waits 4 hours and claim processed over 3 months. We need to provide the files repeatedly and repeatedly.

Long phone wait times.
Extremely RUDE customer service agents.
Take forever to process your claim or they don't do it at all.
No empathy for customers and their time.
If you have an option, stay away from these people.

Zero stars!

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

The long waiting time it takes to process recurrent and regular claims, even when these a recurrent every month or every three months, Ex: if you have a condition like DIABETES TYPE 1 and you are insulin-dependent and will need insulin pump and supplies for the rest of your life, WHY DOES IT TAKE 20 DAYS to get this type of claims processed???
Why if the insurance was covering the remaining balance of the insulin pump for a year, suddenly one day the insurance sent me a letter saying this is no longer covered? they decided it would no longer be covered, without any prior email or notification about the changes.
If you can stay away from this so-called insurance company

Talking a very long time to get a claim, when there is a problem also takes a long time to support. The support is not 24 hours, no weekend and only support to the plan member (no family member) this even make the issue difficult to resolve. Also, the time zone is different making it even more difficult. If there was zero stars, I would give it zero stars.
The system is not consistent. This is the worst ever insurance system and support. Only cheap companies are using this cheap insurance.