Equitable Life of Canada Health Insurance Reviews

I had to select 1 star as that is the lowest allowed rating. They provide no reason for claims denied. You have to call their claims department. You are not allowed to speak with the Judicator. The 1st level help desk is middle person to the Judicator.

They do not help you with your claims, just send you off on wild gooses chases. They are not here to help. They are here to profit. You are not important. Your checkbook is. Equitable Life are villains.

I will NOT RECOMMEND this insurance, especially their Group Health and Dental Benefit due to:
1.Their booklet does not reflect the full requirement esp with custom made orthotics (please read another review here by dee on 24Jan2017);

2. Don't respect doctors prescription or find the medical judgement unsatisfactory;

3.They issued me a statement stating my condition "does not warrant treatment" though they have not seen, nor assessed my condition - the statement was plainly based on all the paperwork they received.

4. You get what you pay. Before they pay up, they will ask for too much paperwork. They think, our MD's or health service provider can make letters after letters to explain further your need for treatment.

Please avoid or spare your company and your employees complains, embarrassment, headache and grief just avoid this insurance as stay with the big names.

On hold for hours, they don't cover much in the way of medication means that this is one of the most useless insurance companies out there. The premiums must be cheap because the service is horrible. Avoid these guys like a plague!

Their policies are a lot worse than those of other insurance policies, for example: 90 days to submit all claims after you terminate (and who wouldn't). Their systems are archaic and when you call in, nobody knows how to direct you properly. Any employer who is using them is simply trying to go 'el cheapo' on their employees. I lost 1500 because of their policies that they did not disclose until it was too late. Frauds.
When I was trying to get my orthotics approved, it was a joke. We went through 3 cycles with Paris Orthotics (the biggest orthotics maker in Vancouver, Canada). They couldn't believe it. Equitable kept rejecting the claim (due to the fact that Paris didn't specify the manufacturing process with enough detail, and I saw the level of detail they prepared! In the end, on the pre-approval form Equitable wouldn't confirm if they will cover the orthotics 'for sure'. Paris Orthotics have been in business for years and never have problems with any Insurance companies. That was until they met Equitable life. In the end, I didn't want to risk $500 so I had my old pair of orthotics fixed (which they didn't cover, at 1/8th of the cost). This was typical. Don't use them, don't buy them.

Terrible. They cover nothing but charge you a boat load every pay check!! Always the same excuse "health Canada does not cover this"....no problem taking my money every 2 weeks though!

Worst insurance company ever! Whenever you call for an inquiry there is no one to answer… The waiting time is forever!

Do not waste your time with this company! They will only make you jump through all their hoops and answer 1000 questions, just to reject you!
I am an extremely physically fit 57-year-old male, who never drank, never smoked, never took drugs, always ate pretty good, exercised, & weight is good.
I was honest with all the questions, and because there was a little bit of illness in my family, they immediately assumed that I am going to get sick of the same illnesses! Basing their idiotic judgment on hereditary, and not a lifestyle!
Dismissing the fact that my own mother is 91 years old & doing great!
After they reject you, you will not be able to get insurance anywhere else! So be for-warned!!! DO NOT WASTE YOUR TIME!!!

Easy to connect to customer service BUT the tone of their representatives are sarcastic and unhelpful. They changed their app structure and it is impossible to find the break down of my coverage. Before it was easy and helpful. I could check what I have used and what I still haven't used now I can NO... I have to study what I have used and guess what is yet to be used. It is frustrating to have to call the customer service to find out why my payment % was so low as they can give you any explanation and how can you argue back if you can't see your benefits explanations. I got this from work of course. BUT I would not recommend this company to anyone, Anyway, disappointed is the word for this service!