Sun Life Health Insurance Reviews

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 provide a brief summary, as the various hoops I have had to jump through are many and mundane.

The company I work for transferred from a very solid and professional drug insurance firm to the godawful Sun Life Financial. Even though their presentations promised a smooth transfer, come first trip to the pharmacy after cut over day, find out that medication needs to be pre-approved prior to being filled. My medication is time dependent, so I had no choice but to pay out of pocket for the drugs. Then I had to chase my doctor for them to fill out forms again justifying the use of the drug and send to SLF. Doctor completed, the forms and faxed through. (What a waste of time for the doctor?!) I called SLF to confirm that everything was good and that I could submit my out of pocket claim and also on my next trip to the pharmacy would be without incident. I was promised everything was fine, a letter was received confirming my drug coverage. I arrived at the pharmacy - same thing. Refused by insurer. A call to the SLF resulted in being transferred 3 times over 45 minutes, about half as many times as I was offered to use their website to check my status - an obvious and painful delaying tactic, do they think people will give up and actually try their website? Its BS - does nothing, not customer interaction can be achieved from the site. I was eventually told the drug ID number they had on record was wrong and I would need my doctor to resend the drug approval - also I was told this was my fault? Turns out the drug has a different number in their system and the doctor and I should have known this and provided it. I am now two months out of pocket with my first paper claim rejected and back to square one. A very unsatisfactory company. Medical insurance companies are vampires to the system anyways, but Sun Life Financial are turning it into an art form.

I worked & paid in to their contracted plan for 21 yrs, using it for dental, prescriptions & glasses without any problems. A life changing disease made the Canadian Gov't deem me to be "totally & permanently disabled" & the Canadian gov't granted me CPP Dissability till age 65. Sun Life however refused to pay me LTD after only 2 yrs. Their contract said I was to be paid until age 65....but that is just a scam. I am very grateful to our gov't who approved my CPP Dissability claim. The gov't makes their medical evaluation & makes their decision & pays you a dependable amount each month until age 65. Sun Life is just one giant fraud. Sun Life really should be forced to close down since they never honour their contracts. Sun Life is an unreliable scam. Sun Life is a failure, who will never pay out. They harrass you constantly & close your file throughout your 2 yrs of LTD (causing emotional disstress). The gov't is way better than Sun Life.

I had extended healthcare coverage through my professional association which I paid thousands of dollars for over the years. Having had skin cancer 3 times, I decided to have a skin treatment advised by my skin specialist. The treatment was approved by Sun Life ahead of time but my claim was denied when submitted. They requested bogus information and talking with their customer rep didn't help. Having been ripped off by Sun Life I have cancelled my health plan. I would advise not doing business with this company as their conduct is dishonest.

Oh very nice at first till its time to help you when you need help the most they will find every loop hole to deny your claim they will do there best to avoid paying you and wait for the sorries it's a hollow effort trust me there's no remorse or caring in there voice it's like a machine they do not care about you or your problems please chose the right insurance company if there is one out there do your research just look at the over comments here and there low rating speaks for itself .its a terrible feeling when your life is falling apart and this company you paid into kicks your family and life onto the scrap heap oh yer that sorry makes it all better I guess.

I am on my father's Sun Life insurance. I am a student under the age of 25, therefore, as of the insurance policy, I am supposed to be insured. Every six months or so ever since I turned 18 I get refused. And my dad has to argue with them every single time, and then he confirms that I am supposed to insured for say another two years, and then a few months later (or a few weeks later on this case) I get refused. Again. It is frustrating when you are a student on a tight budget, thinking your medication will cost 2$ and then it costs over 20$, having to put it on your credit card and then waiting for up to six weeks to get your money back. Not impressed at all.

My spouse was a employee for Ontario Hydro. Unfortunately, they chose Sun Life for their health benefits. We sent in documents for receipts for our glasses. They just ignore us. They do not contact us to tell us why they are not paying. When we phone them, the lie and say they didn't receive any receipts. They keep saying this no matter how many receipts you sent in.

Good reviews for setting up of policy and price comparisons. The bad reviews are those that refer to claims. They don't pay out. I've been arguing for about a year now and I am arguing for my elderly father. It is is strong form of elder abuse. If my father didn't have me there would not be an arguing of the claim. I wonder how many elderly people are not getting what they paid a lifetime for.

What happens if they don't have a daughter or other person who cares? I have over 30 phone calls and countless documents in the mix and have been fighting for a year. I have satisfied every tenet required. I have letters from governmental agencies and doctors that support the claim. They don't phone supporting professionals and it's gotten to the point that if I can't prove what things are, I prove what things are not. It is the secondary insurer and the first insurer, Blue Cross, recognizes the claims.

They do not accept anything online and constantly say they haven't received letters. It goes to a post office box so getting a signature, forget it. They would have to pick it up from the post office. I started sending three copies of every letter sent. That is how bad it is. When I begged someone in the post office to go get a signature, she helped me out. I knew they had the package and when I phoned they said they didn't. I told them what I had done and magically, the package was there.

At the very least they should go online, at least there is a record of what is sent. Antiquated and the policy hadn't been updated in ten years. Don't go there. If you are thinking of getting an insurer....look at the ratings for the claims.

They asked me to submit additional documents, then again for the same case more additional documents. Then just answered that provider delisted and will not be paid anymore. What about claims submitted before the provider was delisted? They answered: now it your problem, we do not care and will never pay. They have stolen several hundreds dollars by delaying before they delisted the provider. I am sure they knew they were going to delist the provider, that is why they delayed asking crazy additional documents.