Sun Life Health Insurance Reviews

I have health plan coverage through the Public Service Health Care Plan (Canada) and will say it's the worst customer service I have ever experienced with any professional service company ever. It's as if they deliberatly attempt to frustrate the customer to make you give up. The phone advisors are more often condescending and rude than they are helpful, and the online secure messaging and inability to communicate by email makes the whole system as slow as molasses. I have come to despise Sun Life and will never, ever willingly use them for anything ever again as long as I live.

8 months now on my new job and still don't have life insurance coverage! They keep calling to tell me I'm missing "something" to finish processing my application but they cant' tell me what's missing. The sub-contractor they sent to do my physical lost some of my paperwork so they denied my coverage. Now I'm being denied due to "non-response". When I call to ask what I'm supposed to respond to, and I quote "Sir, we don't know". They denied coverage for my wife for a "medical condition", but they can't tell me what it is. She has only had a couple surgeries on her feet........ HR is trying to help but there is only so much they can do. I give up. I'm just going to tell HR to cancel my application with Sun Life so I can just go get private life insurance. It'll cost the same but I'll have much better service. Not a grain of intelligence can be claimed by any of the agents working at Sun Life! Anyone that rates better than 1 star obviously hasn't had to deal with them in any capacity yet - but you'll soon find out and be back here re-posting a new review.

I have group benefits through my hospital..In Toronto/ Mississauga area. My goodness what a subpar provider Sun Life Insurance is. My wife and I did co-ordinated benefits for a pair of eyeglasses, and (Manulife) which is my wife's provider paid out their portion with no concerns. Not even one question. Sun Life did not pay out a cent.. they keep sending it around in circles to our Human Resources and then them... for eyeglasses.. no paymnet yet after 4 months.. I pay the benefits and they have not paid out one penny ..not one... when you need them.. for eye glasses... I have had Dejardin, Manulife , Equitable life and even Td Insurance.. and have been around 25 years in social services. Sun Life is the bottom of the barrel. If you are a company like a hospital, non profit agency,private or public company.. this should be the last choice you should make.. Do you want your employees to respect you.? Well then, don't choose Sun Life Insurance as your group provider... saving money does not always pay in the long run for your employee loyalty and or lost time for the HR dept in your agency..

Sincerely

Mike

My company use to use Manulife Financial, then they switched to Sun Life, no doubt to save a buck. Sun Life repeatedly seems to find ways to dissuade me from using my benefits. For example, twice now, they have told me that I needed a doctor's note in order to qualify for coverage of certain health services. Not knowing any better, I paid for a prescription. (not covered) I recently found out that my employer's plan with Sun Life does not require me to get a prescription. Now that I'm trying to get Sun Life to compensate me for the costs that I've incurred due to their misinformation, or should I call it "intentional dissuasion", they give me the run around. It's like they're trying to make it harder for me to use my health benefits. Furthermore, everytime I call them, I'm on hold for at least 15 minutes it seems. I'm not exaggerating. You can't email them without sending a "secure message" through their site. In order to see their reply, you have to log in to the site and view it.

Worst customer service ever on the phone, they try to push you off the phone with their rude tone of voice, simply because they cannot help. Different answers from different reps and its all a terrible experience. Additionally the chat live agent takes forever to answer, and does nothing to resolve the issue. TERRIBLE

hard to get a hold of the right person; shuffled around