Canada Life Life Insurance Reviews

Be careful when they say they will cover something. Because they won't. They will ask you for so much information without explanation of what they actually need to avoid paying for them. It's been 6 months. I've talked to 7 agents. They snail mail everything. Are disorganized with claims and emails. You can't talk to the person who is actually doing the claim and demanding information. Honestly no insurance is better then this company.

Canada Life is the worst example of a competent company that I can imagine. Phone service - almost non existent. They keep you on line for a very long time, then they hang up. I have never been able to talk to an agent.

I am a retired public servant and I have been trying unsuccessfully for weeks to reach them and every time I am put on hold forever and I eventually give up. This is totally unacceptable with crappy service. This needs to be fixed ASAP.

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.

They could not handle automatically merging my PSHCP and dental accounts automatically because of slight differences between my two accounts.

Why didn't they test the merging before the switchover? They would have found that thousands of accounts would not be successfully merged.

The causes of the failed merges are not complex or varied. Merging could easily be automated. Instead, they are forcing employees to call in and get their accounts merged manually.

Once you sit on hold for 60 minutes or more, they submit an internal form that will lead to your plans being merged within two weeks or longer.

We recently moved from Sun Life to Canada Life from the Public Service Public Health plan and we have been unable to put a claim in the system for days (the system is down or just keeps spinning) and there is no one to answer the phones, it keeps on saying to call back later.
Terrible service.

We recently submitted a claim for a medication. The first time we filled it, the out-of-pocket cost was approximately $17 which wasn't too bad. Not even a month later, we refilled the prescription and the out-of-pocket cost was now $22. Upon further review, Canada Life came up with silly reasons about why they didn't cover more. The same exact cost was submitted for the claim on both prescription refills and the same dispensing fee. Our plan is to cover 80% of this particular medication. The medication cost is $50.56. The dispensing fee is $7.49. Canada Life paid $35.71. Out-of-pocket was $22.34. But then about three weeks ago, I ordered the exact same medication (same DIN and manufacturer) and the costs were all the same (medication was $50.56, the dispensing fee was $7.49 and insurance paid $40.21... so out-of-pocket was $17.84) HOW? So Canada Life doesn't actually cover 80%. It's cover what they want to cover and that's that.

Not easy to get through to speak to anyone (2-4 hrs wait online). Lines are not open easily, you have to call many times a day to get through to someone. For the past couple of weeks, I have spoken to 4 of them. No one seems to know what’s going on. No one can help me. They all gave me a promise to call back. None did. I sent an email complaint with no answers. It’s unfortunate that no one working there can help me. Their "Contact Us" chat function doesn’t work. No email responses, staff via phone are unable to assist. It’s a really sad situation. I have no idea who can help me.

Getting to talk to someone is impossible. Medication approved for over 4 years by Sun Life is not covered by Canada Life. I am diabetic and can’t get my medication cause other people abuse the product. Not my fault. I have had no medication for 3 weeks now. My health is important to me but not to Canada Life. Federal employees (current and retired - me) should have stayed with Sun Life. We were promised a smooth transition. Totally false.

Canada Life is Canada's largest insurer and its net earnings for the fourth quarter of 2022 were $380 million. Why is it that a federal employee who has paid dues all his life has to wait up to 3 hours to talk to a human being?