Canada Life Life Insurance Reviews

I have been trying unsuccessfully for months to reach them. Every time I am put on hold for over an hour or cut off because no representatives are available. This is extremely unacceptable and poor service. (zero stars). The officials who approved the decision to transfer the responsibility of the Public Service Health Care Plan to Canada Life displayed total incompetence and irresponsibility.

Service à la clientèle aberrante.

Deux jours au téléphones, 8 tentative.

8 fois se faire raccrocher au nez !

Courriel sans réponse!

Horrible service!!

We recently switched our benefits from Greensheild to Canada Life. The plan was supposed to be the same as Greenshields. Over a month ago I submitted a claim for my session with my Psychotherapist. Someone I have developed a trusting relationship with over the past 4 months. My relationship with her is very important and the first Therapist I have connected with after trying 3 others. I cannot afford 100.00 dollar sessions a month on my own (blows my mind places believe $500.00 a year is enough).

I received a decline in coverage because she is a psychotherapist. Apparently, Canada Life only recognizes psychologists and social workers. I am absolutely mortified they have narrowed Mental Health down to only two types of practitioners. Psychotherapists are registered and extremely effective.

Canada Life does not believe in the importance of Mental Health if they are willing to only accept two types of practitioners. Fear not, they will cover it up by offering broad mental health articles that do not relate to you or your needs at all because according to them, everybody is the same.

My plan covers "Psychotherapy".
I called in advance because I wanted to check that this particular Psychotherapist would be covered. They confirmed that she was, after checking her credentials in their system.

After 4 weeks (and over $1000) spent on this service, I finally found out my first claim was rejected.

I phoned to ask why and they couldn't answer. I asked to speak to the adjuster, and they said they have no way of contacting them. They are claiming that a "CCC" (Canadian Clinical Counselor) is not covered, despite this being the official designation for psychotherapists. There is no such thing as a "Certified Psychotherapist" - the CCC literally IS that designation, issued by the governing body in Canada (CCPA).

Unbelievably frustrating. Hopefully, they'll correct their mistake but it shouldn't be this painful to actually have your insurance covered.

What an absolute crock.

They did not respond to emails or calls! They don't have a clear policy.
It is hard to communicate with them.

There aren't enough words or examples to describe how abhorrent Canada Life is as a benefits provider. If there were zero or negative stars available, I would rate them as such.

My company has used Canada Life as our group benefits provider for several years, and I can only assume that it's because they are the cheapest possible option on the market. There are literally no redeeming factors to their service.

A few highlights of my experience include:

-Inordinately Long Wait Times: I've often waited on hold for 1.5 hours, only to be disconnected due to "system issues".

-Segmentation of Expertise: Each customer service rep can only assist you with one type of claim. If you need help with the Drugs vs. Health vs. Healthcare Spending Account, be prepared to talk to three different individuals, with a lengthy wait time in between each. You will also have to provide your identifying credentials every single time.

-Incompetent Staff: 75% of the customer service reps have no idea how to do their job. Asking them a simple question requires them to put you on hold for another 5-10 minutes while they investigate your query. They will rarely have a response on the spot and will claim that they'll call you back after they look into the matter further. Don't hold your breath.

-Processing Times: On average, it will take 4+ weeks for your claim to be processed. Their ongoing excuse is that they are short-staffed due to the pandemic. Cry me a river. Maybe they should hire better staff and pay them adequately. (See "Incompetent Staff" above.)

-Claim Errors: Your claim is finally processed - great! Not so fast, as you will need to review the results with a fine-toothed comb. Their team makes numerous "data entry errors", resulting in you only receiving a fraction of what you're owed. Time to follow up with incompetent reps after long wait times, thus causing the entire cycle to repeat itself.

I have no words of advice, other than to encourage your employer to avoid Canada Life AT ALL COSTS. My husband's company uses a different carrier, and the experience is the complete opposite.

Why do we pretend like insurance companies are here for our needs and not our wallets?
It's been a month since putting in an application. Haven't heard from anyone. Multiple emails, voice messages, and emails sent to my works nurse to see if she can do something, all a waste of time.
If you work here, for god sake, find a new career and let these places die off already.

I have been trying to get through to actually speak to a customer service agent.
I have been disconnected twice. I have also tried the call back function I now have been on hold for over an hour. Bigger is definitely not better!!! Is there anywhere we can go?

Don't even try to phone them. Unbelievable wait time... gave up.
With non-service like this, think again about buying life insurance with them.

3.5 hours and then got a message "Technical Difficulties try back later"... On hold, second try 2.5 hours now.........