Canada Life Health Insurance Reviews

This company is an absolute JOKE. I got switched to Canada Life as my benefits provider back in January as part of my company “merger” aka taking over from my previous one, right from the get-go I knew it was a worse plan than the one I had previously as all my coverages were 80-90% for dental and prescription as opposed to the 100% I had before, although my premiums stayed exactly the same… What really drove the nail in the coffin for me was having to submit a claim not once, not twice, but 3 TIMES to get them to pay it as their online submission forms obviously don’t work, I would submit it all and nothing would register in my queue, my 3rd attempt I actually had to call in and email one of their service agents directly with my forms and that meant being on hold 2 HOURS with these guys just to get through, I don’t have the time or the patience for this kind of garbage customer service. I pay a fair chunk of change for my benefits and these guys can’t even offer timely or satisfactory service for a claim or a dang phone call. 6 months in with Canada Life after having my previous benefits with another company for 9 years and It’s not even a competition of who offered the better service cause Canada Life is terrible.

Waiting 2 weeks to get a claim from the ortho processed.
Compliance is a mess.

I absolutely hate this company Canada Life. Not one time ever when having to deal with an issue were representatives helpful, they don't care about anything but taking your money. They will do anything in their power to avoid paying your claims.
Here is my story... I recently started a new job where Canada Life is my benefits provider. I have 100% coverage through my plan for prescription drugs plus not that I need it my wife has 80% coverage through her benefits provider. Anyways went to use my benefits for the first time, my pharmacy went to submit my drug claims for the diabetes medications I had 4 prescriptions, they covered 2 of them partially, the cheaper ones and then my other 2 they didn't cover at all. Apparently, they need further information before covering anything. What the hell??? I pay through my teeth for my benefits. They are telling me they want to see what my Manitoba Pharmacare deductible is and won't cover my meds until they get this information. Why does this matter? First of all my Manitoba Pharmacare deductible is around $7000 for the year, I come nowhere near spending $7000 in a year on medication, even if I did my insurance wouldn't even be billed because once you meet your deductible Manitoba Pharmacare pays for your drugs I would pay nothing for them nor would Canada Life as my Pharmacy would see my deductible of $7000 was met and wouldn't bill Canada Life. What an absolute unnecessary waste of time this is it's completely unnecessary and irrelevant. It's just Canada Life doing everything in their power trying to avoid having to pay for my drugs however I still pay Canada Life for my premiums through my teeth, through my employer's payroll deduction, they take your money with no problems though.
God in heaven helps you if you ever need to call their call center to speak to a representative. I wasted my 1-hour lunch break at work today trying to talk to a representative to no avail only to be on hold for 55 minutes holding for the next one and I had to hang up after wasting an hour waiting for help because I had to get back to work. I was so angry. That is a wait time that is absolutely ludicrous and unacceptable. That is not Customer Service. I work 8 am to 5 pm daily, if I can't talk to someone on my lunch break that is an hour-long what the heck am I to do to talk to a representative. Do I need to take a day's holiday off from work just to be on hold for 3 hours to try and get to speak to someone??? This is pathetic! You should not be on hold for any more than 5 to 10 minutes top. This is a serious problem for Canada Life! Don't believe me about the wait times call them yourself and see. Hire more representatives because whatever you are doing Canada Life is not working and is absolutely maddening to me as a customer but it will all just fall on deaf ears as this Company doesn't care a worth spit for its Customers.

Extremely difficult to call for any kind of assistance with my plan. It turns out I was having trouble because they changed my policy number without telling me.
It took numerous tries to call them - I would be on hold for 15 minutes and then the line would automatically drop, telling me to try again later.
The website was very useless and frustrating.

Had two claims denied or only partially covered for the most frivolous reasons. No sense of customer service or understanding.
First was a monthly dental exam denied for being 1 day early out of an entire year. It's truly picking at the details and finding any reason to deny you coverage. Would hate to consider if it was a more important claim at stake.
The second was an eye exam only partially covered due to 'customary amounts'. However, THEY DO NOT SHARE the customary amounts. Totally unfair to say you will cover eye exams and then create an arbitrary hidden limit you never tell your customers. It might as well be a $10 limit, cause no one will know. Not to mention the coverage wasn't used for many years longer, zero understanding or transparency.

They take forever to process a claim, I have to call them every time to find out the reason of the delay. Very poor customer service, when I call, they don't inform me why my claim is under review and why it is taking so long. One time I called 3 times with months in-between to find out that they mailed a letter to my employer looking for some information when everyone is working from home during the pandemic, why I was not told from the first call that they need information from my employer. Now I have a claim that has been sitting there for more than a week, only showing it is under review without giving any explanation. I will have to go through this again and call customer service and get no proper answer to my questions. I am not looking forward to having to call again, customer service does not contact me promptly to ask for any information they see missing or need clarification

Super slow. You might have to call customer service multiple times before your claim goes through. Small updates like a change of address and banking information take days to update. Inconsistency in the information that customer service reps are giving out.

I have to submit health claims 5 times before getting payment for 1 chiropractor visit. It was submitted in September and paid for in December after submitting it 5 times. In a time of Covid wouldn't cover a hospital stay and expected me to be in a room with 4 other patients. Paying $350 per month for my plan and only letting 80% coverage on limited things is a waste of money. This company is terrible to deal with! The website is not user friendly, long wait times on hold and waiting months for payment...

I have had the worst experience with CanadaLife. They will do anything to not have to pay. When my company terminated them for the next year of insurance they pulled access to their online portal to make claims in order to make it harder to claim. Then they rejected valid claims by creating delays and asking for additional documentation which was not requested in the original forms. They delayed until the account was closed so they would not have to pay out on valid claims. Their customer service is also trained to delay and defer, hoping that people will tire of escalating. This is awful and really puts people into a challenging situation, where they have paid for a medical service they need and cannot get reimbursed. Please avoid this unethical company.

Got this insurance through work for drug, dental coverage etc. Been with them for 4 months, have had to contact them for 4 months. Suppose to process drug claims in 5 business days. I usually wait 15 days, see they have not done anything then contact them. Just ridiculous. I wish I knew who I could contact to have them investigated. They claim on their site they have donated 1 million dollars for COVID 19. How about paying customers back what they are owed.