Empire Life Health Insurance Reviews

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.

These guys are total frauds and should be shut down. Try everything possible to get out of paying out any claims. They also just decide not to cover certain accreditations of medical professionals without any good reason.

Terrible customer service and horrible wait times yet they expect you to send them personal details about your medical records immediately or threaten to close your file without reimbursement.

This Company is a complete joke and their employees too. They lie right to your face. The customer service basically laughs at you and gives 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.

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!!!!!

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