Canada Life Life Insurance Reviews

Don't even use this company. The coverage is horrifically low for the premiums charged.
The worst insurance I've ever had.
If you make any changes to your account make sure you call them, again and again, to ensure they have it correct or they will cancel your plan and still randomly expect you to pay that first month they waved ever so nicely, in the beginning, absolute scam company. Beware!

Requested refund for dental care. It took 2 weeks just to post me some additional papers to fill. It took only 2 days to send the info back via their website. Now, 1 month has passed the request is still pending... Also, nobody answered me for 1 hour.

Phone wait time is over an hour. Customer service are completely incompetent. They never have any answers for your questions. Stay away!!!

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.

Wait time is deplorable. Waited for over an hour, fell asleep! Like I have nothing better to do?

I have been trying to get information regarding my life insurance policy for over two months now. My advisor is incompetent. After over 20 emails and numerous phone calls, I have nothing. No response. I asked him to change my address also and…he didn’t…I did when I called. Then a week after he emails me saying he changed my address??? No… he is negligent and I am considering terminating my life insurance policy and getting it somewhere else.

Why I would NEVER recommend Canada Life extended health... their coverage might sound fine but they are terrible to deal with.

1. Dozens of experiences where they exceeded their standard payment timelines, when inquiries were sent them would reply with their standard timelines - VERY UNHELPFUL
Our average turnaround time for claims is:
- 5 business days - health and dental
- 7 business days - pay direct drugs
- 10 business days - out of the country
Don't be fooled, they are almost always going to exceed these timelines and only pay after multiple emails.

2. You can't actually get anyone to answer the phone (in English, I understand you can get through on the French line). I have spent 2 and 3 hours on the phone waiting to talk to someone, as have others I've spoken to, only to get to the front of the queue and be hung up on. Emails often take up to 5 business days to get a response.

3. Even after my organization got a dedicated contact whose email signature indicated she was a Regional Service Manager my claims remained unpaid after one month. What good is a plan that doesn't reimburse clients for allowed health expenses?

Of course, there are many things to consider, but I would recommend you steer clear of Canada Life at all costs! They aren't a good company and I would give them zero stars if I could.

As a practitioner, we deal with this company a lot, specifically direct billing through Telus Health. Here are two areas of improvement in which they know about, but seem to have no interest in improving upon.

1. Commonly the billing submission is termed as "under review" and not accepted. However, their software and practitioner interface does not allow you the check on the "under review" submission and requires you to call.

2. There must only be a total of two people working the helpline, and they must have severe cognitive delays because in the rare chance you get to talk to someone without waiting an hour, they promptly transfer you to the wrong department or drop your call.

In all honesty, this seems like an intentional way of reducing the volume of claims and saving the company money- ie- Annoy the shit out the practitioners so they won't direct bill, and hope the cost of paying out of pocket for some patients (then being reimbursed) is prohibitive for some of the poor souls that have their subpar insurance.

PS- 1/5 stars was given because 0/5 stars was not an option