Empire Life Health Insurance Reviews

This Company is a complete joke and their employees too. They lie right to your face. The customer service basically laughs at you and give you a snotty attitude. They talk to you like you're stupid when they are the stupid ones. They take forever giving your benefits back and make up all these lies on how they didn't receive the paperwork or wait weeks to tell you they need something else, so your claim takes even longer. Empire life is a JOKE and your business needs to be burned to the ground with all your shady employees with it. Never dealing with this useless company again.

I have had nothing but problems with this company since my company switched to Empire Life in March 2017. They claim they don't receive paperwork, don't respond to your multiple requests when something is sent, deny paying even though the dentist has sent the information twice now (mailed and faxed). Very bad customer service attitude! Expect a doctor's referral even if you have been going to the physiotherapist/massage person for years. WORST COMPANY I HAVE EVER DEALT WITH!!!!!

Their coverage is mediocre, you have to make sure your provider is registered with the right credentials. Even if you find them on their search box in Empire Life website, it doesn't mean they're registered. It's means someone logged the provider info in their system, but Empire Life doesn't clear the information even if it's wrong.

Therefore the only way to find your provider registry, is to go to the official website (i.e. RMT, for massage), and search a list of providers there.

Many times I found myself paying a lot more on the service I used. Empire Life normally refund a percentage, ranging from 40% to 70%. You just have to pray for the reviewer not to tag you enough excuses not to reimburse you the amount (it's never 100%, always below 70%. Quite Random sometimes).

Customer service is not great too. They reply after a couple of days via email, but never answer your questions properly.

Pretty awful to be honest.

very poor customer service

Nobody picks up your call

They keep calling you for their product and once you buy it, no follow-ups, no updates...nothing

I have been client of this company for almost two years.
Claimed coverage for medicine, dental treatment for many times.
didn't get any coverage. They are big cheaters, always lying ,never get real information. I will highly not recommend this company.

Very limited coverage, even more limited for family members, zero point to pay extra premium for family members. Slow payments. This company is joke.

Purposely done so you don't file claims. I have been waiting in line for sooo long. I even tried to access the portal to sign in and file a claim there, but they tell me my password is incorrect - when I try to change the password I do not receive a link!

The entire application process was a nightmare and I wouldn't recommend Empire Life to anyone. The only good reviews I see of this company are coming from brokers, all the negative reviews come from their clients, wonder why that is.

My company switched our group benefits plan to Empire Life Insurance this month. I don't know what level of service reductions they made, but under the previous insurer, I had 100% coverage for diagnostic dental x-rays which they paid for my son without questions asked. With Empire Life, my claim for diagnostic dental x-rays was denied. I am very lucky to have a working wife with a much better group benefits plan, but the coordination of benefits with Empire Life is so bad that my wife's insurance company told me that it is in my benefit to opt out of my company's Empire Life benefits plan so that I can actually get my claims processed AND paid - and not to waste my time having to submit claims that will end up getting denied any way.

Claim monitoring device and sent in all required documents, still got the claim declined. When I tried to contact the customer services, I got a list of documents required which were everything I have sent to them (all originals). I guess I will be looking for another employer who offers Extended Health NOT with EMPIRE LIFE.