Sun Life Health Insurance Reviews

This company are the Kings of no pay. I submitted phsio/massage therapy. There were the secondary provider. I submitted it thru mail!! yes Canada Post. I gave them the Px and the amount paid by Blue Cross on Blue Cross letter head. They denied it because I did not sent the original Px. I got the original from the clinic and sent it to them. Then they denied it because they said they were the seconday provider and they have no proof that the primary provider paid!! I sent them the Blue Cross form which clearly states BLUE CROSS PAYS, and they had the claim filled out online clearly showing the amount Blue Cross paid and they had 20% left to pay. Next they denied it because I reached my max for the year. The max for the year was $500 and I had submitted. It took me 3 months, 6 phone calls, 4 letters/written submissions and they paid me the $28 they owed me. $28!!! And I have since submitted other phsio/massage bills and each time they do the same actions. All the people who work with me get the same run around when they submit expenses. This should be shut down. They like taking my $175 a month in premiums. NO company should have this company as an insurance provider

Submission to a claim for wheelchair that claimant desperately needs to get around was denied because claimant has Cancer. After speaking to 17 different customer care and supervisors as Sun life purposefully delayed for 6 month requesting additional info after another before formally denying claim. Had to fax the same Doctor's referral notes 3 separate times as Sun life repeatedly denied they received such referral. Yesterday, March 01, 16 at 3:15pm phone conversation with Supervisor told us "price of wheelchair cost too high" "we might consider less expensive unit". Sun life could not shake us off of our claim and subsequently denied claim again.

Cancer Patient still does not have wheelchair to get around.

Bottom line at Sun Life: Profit maximization by undercutting its customers.

I called to add about my insurance coverage. The female rep.'s tone was as if she just got out of an argument or so. Cranky, did not listen, was not helpful.

EVERY time I submit a claim for a medical expense, they respond a week later that they don't like the wording of the doctors prescription, I often have to make 2 or 3 more visits to the the doctor for the sole reason of having him re-write notes... And even if he writes exactly what they ask, they deny it again, or then claim that there is something wrong with the receipt. It ends up taking me a month to get my money back and non-stop running around to jump thru ridiculous hoops that they seem to change on the fly. Judging my the other reviews this seems to be what they do to everyone.... What a terrible strain on our medical system making people go back to their doctors 2 and 3 times simply because this ridiculous company likes to stall on paying by demanding prescriptions and doctors notes be worded slightly different!!

Don't choose Sun Life. Very bad company. Sun Life collects money and tries to save on their expenses. I am working in health practitioner association and our association has many complaints from Sun Life members and their customers.

Sun Life is absolutely horrible.
I am submitting claims very fast, with the proof of payment and they intentionally delay the payment.
I have been audited this year on December 29, 2016 for a claim submitted on Dec. 19, 2016. The e-mail sent to me was again, delayed, and sent on Fridaym Dec. 30, 2016 asking for the proof of payment. They claim they did not receive my envelope. How untruthful! I've send tons of envelopes and the only one that did not reach destination was the one sent to Sun Life? In 10 days?!
It is possible to get under control this intentional delay practice?

I came to Canada as an exchange student having an insurance which includes more services than the very basic services from Sun Life Insurance. Upon the request to be excluded from the University insurance as I do not need a second one which not even gives me additional services, I got an answer without any reasons to not be eglible for the exception. Upon asking what is missing I got no proper answer about what was missing and I was asked to bring proof for very small details of my insurance. I could proof that my insurance fulfilled all those details however I still didn't get a proper answer.
It's really a pity that people in such companies decide whether you are eglible to get the excemption, they of course will decide for their cause. There should be better possiblities to surveil companies like those. I hope some people decide against paying their money to such a company.

My fiancee was insured with Sun Life through her employer and we had a great package (medic, dental, life). When she lost her job, a Sun Life agent contacted her to offer us to continue with the same package but for a higher price which we found worth it. I gave them my credit cart information to activate the coverage.

When we received all our insurance details by mail almost one month after, we realized that we were not getting the same deal, not AT ALL. There is no way we would ever pay what we were paying for that kind of coverage.

We tried to call Sun Life many times and could only leave a voice message, no agents available. They would not even return our calls! We kept trying week after week after week, on a lucky day we would get to an agent who promised that someone more qualified would call us back. Never happened.

In the meanwhile they kept taking payments on my credit card. We also tried by email and kept receiving automatic responses saying they would get back to us in two days... which of course never happened. The last email we received was saying that our cancellation was under review and that it would be processed within 10 open days. 15 open days later, no answer yet and they took another payment on my card.

This is a real joke, I have never seen such a bad customer service. This is close to robbery. If you can get Sun Life coverage with your employer, fine. But never, NEVER deal with them as a private consumer.

You've been warned.

My employer uses Sun Life, so I'm stuck with them. I've even considered other jobs just so I do not have to deal with them. If I could give zero stars I would. Their interface is convoluted and their customer service is atrocious! No one wants to take any accountability and pass you around until you've literally spoken with a dozen unhelpful individuals only to have you give up in sheer horror and disgust. My partner has blue cross and I thought being treated like subhuman was the norm until I spoke with them once. Wow! What a difference!

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!!!