Manulife Health Insurance Reviews

First of all their hours of operation are terrible if you live on the west side of Canada since their hours are EST and they are never open on weekends so you can barely get a hold of them. Also, they made a bunch of changes to my plan in 2018 that made my coverage garbage without telling me anything. They lessened my coverage amounts and percentages, and even changed basic dental checkups from 6 months to 9 months! I found this out when I took my son in for his 6 month check up and had to pay the whole amount! Manulife is garbage and I only use them because it's my works insurance but I'm going to cancel the whole plan and just buy my own for me and my family.

I would never recommend Manulife!

1. They throw many obstacles in the way of submitting claims.

Chiropractic and physiotherapy were included in my group benefits. The website said my group claims can be submitted directly once I verify my account. I followed all the steps and it still took more than 15 times and 7 months to be able to process direct claims. I needed to send a screenshot to a Manulife representative to prove I had verified my account and each clinic had to call Manulife multiple times to argue on my behalf.

When I went to the dentist and the front desk verified what was covered by my group benefits before I had dental work done. Manulife rejected the claim from the dentist’s office. I had to suddenly pay over $800 on the spot and then submit online at home and wait a month. The receptionist at the dentist’s office had never seen a claim rejected before, except by Manulife.

I can’t think of any reason why these normal claims have so many barriers! Maybe they’re hoping people won’t jump through all the hoops and it’ll save the company money?

2. When I switched to the individual plan I expected to pay more. That’s normal.

What I did not expect was for common prescription medications not being covered at all. Now I need to pay $300 more every month for meds that would be covered by every other insurance company.

There are many more issues I could talk about, including my Long Term Disability Claim, purposefully confusing and misdirecting letters from the company and more. But, I’ll stop here.

You get the point.

Never pick Manulife for your insurance!

They know to take their insurance fee from our pay very well but when you have a claim, they make you run asking you for more information every time you send in your documents. I have had a claim for my 2 kids for just $300. It has taken 2 months and I still did not get any payment from them in spite of us sending all documents required 3 times. All they say is please see your mail, we sent you information we need for our audit department, but those documents have been sent 3 times already and actually, they didn't send anything in the mail, they just kill time so that they can play with our money in the market. When they hold up 100 customers for an amount of say $1000, they can invest that amount in the market for $100,000. This is what they are doing and customer service? Don't ask. All they know is we don't know why the audit is asking for more info, all seems good, we will get back to you or check your mail. WORST INSURANCE COMPANY, GUYS, LOOK OUT.

Put in a claim for the first time. Despite the 80% co-insurance, I was only given 50% of what was paid due to a "reasonable and customary charge" caveat that was not disclosed in the manual or online. I was basically told that it was my fault for not knowing. When the manual you've been given and the information on their website co-incides, how is one to know that there are other limitations that we should be aware of??? First few times I called, i kept on being connected to some call centre in the Philippines whereby it sounds like they read off some script. They don't listen to you, they just talk like robots. Finally was transferred to a supervisor in Ontario and same thing. They don't care about their customers whatsoever. Hate dealing with this company!!!!!

I am under my husband's benefit plan and we have had non stop issues dealing with them. Every time I call them to ask them questions or try to get answers they have said your husband needs to call and we will discuss with him the plan. Even to change a password they said that I need my husband to call.

Also, they originally said that our plan started on the 10th so I went in to get my eyes checked. When I went to pay it was denied from Manulife. My husband called and they said the plan didn't start till the 20th!! What??? We were told that it started the 10th. All the guy said on the other line was "I apologize." He didn't do anything about it!!

My employer uses them for group benefits.. Everytime a claim is put in I have to jump through hoops to get coverage. One time no problem next time the same claim is an issue. They are the WORST company I have ever dealt with.

They have given us back $435 out of almost $3000. They owe us they have avoided us but sure keep taking money off my husbands paychecks knowing they are denying us any claims we put in. We have tried to arrange a meetings and have waited for calls twice. These calls never come. It took me 4 years to figure out my husband did not have direct deposit and he was not getting any money back from my claims.. Not once did the company contact us to question why we're putting in claims and we never got anything via email or mail to let us know there was a problem. We have paid almost 10,000. For coverage we were never covered for.. No apologies no explaination. I'm so discussed with how we're are being treated they got our money they don't care about us...Poor customer service .
I asked how far back they could go they said 2 years gave us 6 months. The employee said as long as I'd submitted they had to pay... even after I run around getting duplicate receipts and they refused everything anyway....Not understanding or professional at all so if you want to give your money away I'm out 10,000. Go to Great West they were amazing before Husbands company wanted to save money by dropping dental and went to manulife for more money less coverage then they did not cover us anyway.... what a waste.... half a years wages gone...Sorry I'm very dissapointed and want others to not have to be treated like we have.

I am someone who does not like to complain or do reviews, but I truly feel people should be aware of how terrible Manulife is so I can save others the issues and frustration I have dealt with.

In short; they flat out lie to you (saying my plan does not cover something when it does, and I send them the booklet with it highlighted), make you feel like you are the one at fault, even when essential paperwork is provided will consistently deny claim. Even when my work gets involved will deny claim and lie to my work. I have all paperwork to back up my claim and still deny deny. It's horrible what they are doing to my family, I have paid them for years with very few claims and when I do claim something it's a battle now lasting almost a year (a minor claim I might add) Totally unacceptable. If you are able, please do not go with this company, for the sake of your sanity and family please please pass on Manulife!

I've been covered under different insurance plans such as Great West Life and Equitable in the past, and I have never in my life been given as much hassle as I have with Manulife. They won't allow me to submit claims online - I have to physically mail in my receipts - only to have them rejected for arbitrary reasons a few weeks later. The company I was with previously​ reimbursed me for the exact same service within a day or two of online submission.

I hate to call them. Every time we fight over claims and how much is covered. Something like eye care for contact lenses is only every two years. Massage therapy is only for the $70per session. I pay through the roof in premiums and this is all I get. I am seriously considering telling my boss that I'm not going to participate in the plan. Maybe if they offer better to employees they'd stay longer. I'm looking for a better insurance company, and maybe a better company to work for. I'm done with this.