Canada Life Life Insurance Reviews

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

They have my insurance saved as secondary and can’t figure out how to update it. I paid out of pocket for an appt.

My secondary won’t pay because (rightfully) Canada Life is supposed to be primary.

Wait times on the phone are ridiculous.

App and webpage are not accessible over one week, terrible service, not acceptable for health insurance, looking into lawsuit.

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.

My father is fighting for his life thru Shingles and insurance can't even answer the phone. Just claiming for an insurance you're paying is literally begging . Service and reliability are so bad.

Waited for 1 hour and 25 min and was connected to an idiot rep who couldn't provide any answer and she tried to connect me with another department and dropped the call.

They should change their name to Canada death, as I don't see how can it be any life in it

Peachy, just peachy.

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.

This is the absolute worst insurance company I have ever had to deal with. I've spent hours and hours on hold (when I can even get them to put my call in the que.) I asked what they would cover and they only said what they wouldn't cover. They sent an email saying they want more information and to check my account. I check my account and they want me to call. I'm wasting my life on hold with this of a unprepared, unprofessional, uncooperative, uninformed, useless company. If you have a choice, just say NO. I want to give 0 stars!!!

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!!!