Sun Life Health Insurance Reviews

This is by far the worst company I have ever interacted with (in any industry, for anything).

They are currently charging me for vision insurance but do not have me in the system. Because they do not have me in the system, they say they can't be charging me. My paychecks say otherwise.

The customer service is slow, rude, and completely unknowledgeable.

They are inexpensive because in this case, you really do get what you pay for. The hours of time you spend trying to fix their mistakes is worth so much more than the money you "save". If you care about yourself, choose ANY other company.

Absolutely the worst insurance company. I have group benefits with Sun Life through work. They always find excuses to not reimburse the payment. I submitted several prescription drugs for my son and they returned and said the drug is not covered. My son had severe eczema and the hydrocortisone was prescribed by a medical doctor. But they said it's alternative herbal medication and not covered. Really? Hydrocortisone cream is not a herbal cream. I paid extra every paycheck to cover my son but at the end, all claims were denied. Useless policies and it's a company that needs to change. I urge all employers to not insure your employees with Sun Life. $ not well spent.

The staff is the worst. I do not even know how they are working there. When I called them, they only said, wait.. They let you waiting on the phone for long, then they are back and I was told I will pass to the case manager. I have been waiting for a dental disbursement for more than 3 months and so far nothing. I got a call from the "supervisor" - such poor communication. It was hard to understand what he was saying. I called one of the customer service and play the message for him..the customer service just jump to ask..what can I do for you...Don't give the money to this company...for me because I have no choice my workplace is the one paying for the benefit...Don't give money to these people who doesn't care.

So dissatisfied with the way your company made the contract with mine. Why would you allow everyone, but a spouse to be able to use certain benefits? Why wouldn't you allow the benefits I get, to be used for both myself and my spouse? Instead, we have to use money we cannot afford to use to pay for what is important in everyday life. Not everyone is rich and many people, especially the poor, count on these benefits for everyday use. I'm so upset that this is allow this to happen to those with disorders when they need help the most. Rich get richer and the poor get poorer. So disappointed with you guys!

For extended benefits, sun life's policy seems to be to drag out your claims until their claim limits are reached or they found any reason to exclude coverage. Three times I sent in information with different reasons for denial. I terminated my policy with them and submitted a claim. After not being paid I found out they were requesting a referral for medical claims (which BTW we had sent in before, but their policy is you need to send in every 12 months. Most other companies I have dealt with do not require this even once). They sent this information in and I was told that the claim period had ended. I don't understand how this company can deny money entitled to you because you have exceeded their policy periods. They have no problem taking in your monthly payments but do anything to exclude paying out. I agree with other posts as to how anyone can work for this company. They must be paid commisions on how little they pay out for claims.

I have read a comment or two about denials for referrals made by Nurse Practitioners by Sun Life. I have called Sun Life about this as well. They do not recognize Bill 179 which gives Nurse Practitioners the power to prescribe and communicate a diagnosis. Under Bill 179 a nurse can prescribe medication but Sun Life will not pay for it. How does that make sense?

They start collecting the fees the moment you sign, then they keep coming with unreasonable reasons to overrate you, people reported big problems and lawsuits to get them to pay off a policy

Money is erroneously being taken from my chequing account by Sun Life so I called them to fix the problem. I got passed from person to person, department to department. They are sure that a mistake is occurring, but can't figure out how to stop stealing my money. I've spoken to at least 15 different, useless people and have to explain my story every. single. time. "Write us a letter and we'll get back to you." No, they didn't get back to me. "Send a fax to Attention Ryan and I'll look into it". He hasn't gotten back to me and the next person I spoke to had the nerve to laugh and point out that they have dozens of Ryans. "I'll get back to you tomorrow afternoon or the day after." Nope, Beverley never, ever calls. Just stop stealing my money!!! Seriously, losers, how hard can it be. I finally went to the bank today and put a stop payment on it. This has been happening since March 2011. Yep. They owe me $6000 and I'm seeing a lawyer tomorrow. I'm tired of being polite. I guess 78 months is my limit, LOL. They never, ever, ever call back and rarely answer the phone.

It took them a month and a half to make a decision on my claim. Every time I would call I had a different answer - claim still being reviewed, sent to medical team, they would call me back, etc.... I had open heart surgery due to birth defect. Surgery was done mid Jan 2017. Before I was scheduled to go back to work I developed some complications with fluid going to my heart and lungs. After sending in about 40 pages of medical records, doctor, surgeon and cardiologist notes, their final decision was to deny the claim because " I was not completely immobile the entire time." - I "Started to get better....." This is what their medical team THE SUN LIFE DOCTOR??? decided. God help anyone that needs to go on disability if they are insured with this company. Horrible company and service. Don't know where they find their doctors. - But again their doctors are being paid by Sun Life. A month and a half to make a decision. Something is seriously wrong with that. If you are insured with Sun Life my advise is to change insurers. Lobby to your company and union (as I will do) to make a change. If you are looking for insurance DO NOT GO HERE!!!

This is just some commentary regarding Sun Life, and judging by the 0 and 1 star ratings, I am not alone.

I work with quite a few retired Military people and we all have Sun Life as our secondary insurance. Practically every claim that any of us submits gets denied. I believe they do this to discourage people from submitting claims. They are an absolute disgrace and should be removed.

My rating for them is a BIG 0 Star.