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.

Le service est horrible. Les employés ne sont pas polis, ils ne sont pas formés correctement et ils n'arrivent pas à traiter de simples demandes. Le suivi des demandes est médiocre. En fait, il n'y a aucun suivi de fait. Ils refusent de couvrir des éléments qui sont dans le contrat d'assurance. Je vais évaluer la possibilité de déposer une plainte aux instances qui protègent les clients de ces pratiques abusives de la part des compagnies d'assurances.

Worst insurance company I’ve ever dealt with. Takes months to return any emails or communications.

Absolute worst company. First, no phone number to call directly. Second, form upload has multiple portals without explicit direction as to which is for what. Third, the person who accepted my claim documents from one of the portals goes on a 3 week vacation. That person says they received my form and is processing it. I get an email confirmation from Canada Life confirming that my document was recieved. I think it was from the agent. Nope. That person gets back from vacation and says I am missing more information and forms. What!? Why didn't you or the process application list this? One of the forms was already part of my profile documents, but they don't care. Resubmit it. I do. Emails are received in multiple threads and each one is asking for more forms and information. Why? You don't need my spouse information as he is dead years ago. That's why is it listed as "widowed". What is wrong with you people? The phone cuts off and disconnects when I try to call direct. Two months goes by and I am still working on this. This is such a scam operation. Ponzi scheme? My work uses this sham of an operation and I wish I can opt out of their joke of services. Oh, and that time they changed their prescription policy without warning.

Waiting time over the phone is ridiculous, worst customer service ever - more than an hour on hold everytime, that's when the line doesn't cut.

They do not appear to care about customer service (i have been on hold for a long time, every time i need to call, clearly they do not appreciate that I too have things to do with my time, if I email them a question, it can take a month to get a response from them) They also don't seem to care about mental health, their coverage for mental health is extremely limiting only allowing for a psychologist appointment and doesn't allow for certified cognitive behavioural therapy, this is an antiquated way to do things.

Am with the Fed Gov and switched over to Canada Life after years of great service for Med/Dental benefits. Everything worked perfectly.

The entire Canada Life website runs like a scam and it seems those who designed it are either utterly incompetent or the company is trying their hardest to put clients off and save money at their expense.

There were to be no impacts to my family's services but everyone has had to provide new info at the pharmacy and dentist. This after the pharmacy charged full pricing and told my spouse "you have no coverage". Then the scramble for the lousy paper copy of the ID card because they won't provide a real one due to "greening" initiatives.

Need help with anything? Feel like wasting 1/2 hour or longer on the phone? Good luck! Call one number and it tells you to call another after you've entered your group and individual plan numbers twice.

Tried to log in after previously receiving confirmation that my account is active and it wouldn't log us in saying "It's not you, It's us". Then locks your account for too many attempts and you have to call the help line. Once you get through and finish playing 20 questions with the agent...Ta Dah! an 8 to 10 day wait for someone to push a reset button.

Wouldn't voluntarily purchase any coverage from this company. Way to go CL. Not.

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