Sun Life Health Insurance Reviews

This is the worst insurance company I have ever dealt with in my entire life. The reviews could not be any more true, they make your life difficult and frustrate you to the point of tears so they don’t have to pay out for legit medical emergencies. When I follow up somehow the chat always “breaks” when I start to ask questions about my recent claims. These people should be ashamed of themselves.

My wife & I are retired and had our health private health coverage with Sun Life. As of Feb 1, we switched to another company (very similar coverage and $96/month cheaper). I found a Sun Life cancellation form on a Sun Life site online, completed it and faxed it to the number given, I also put a stop on their automatic withdrawal at my bank effective Feb 1. They tried taking money out & were rejected. Meanwhile, my pharmacy screwed up & continued billing Sun Life in Feb until I found out about it & straightened it out with them. I emailed Sun Life's customer service department that looks after private health, explained what had happened and asked again that they cancel my policy. Today I got a letter saying they would take 2 payments out on March 1 to make up for the missed one. I called the number provided in the letter (as I don't want my credit to take a hit) to straighten it out. The young lady on the other end may as well be a robot. She asked if I got the welcome package when I signed up. I said I had. She said there is a toll-free number to call to cancel. I told her that I have a speech impediment (which should have been obvious to her anyways) and I sometimes find it hard to communicate over the phone. I told her how I found their cancellation form on their site and used that. She asked what phone number I faxed it to. I read it off to her and she says "that's not our number". I told her I can't be held responsible for bad information on their site! She kept going back to the phone number in the welcome package. We did this dance for 10 minutes until I asked to speak to a manager. She took my info and said they would get back in 24-48 hours. She said if they had covered any medicines during this time (which they did because of my pharmacy's screw up) then I would be libel for that month of coverage. I told her that was insane. I would happily pay back any amounts they had paid. My premiums are $323/month and they paid out a little over $100 for my medicines. I am not expecting anything from the manager other than what the robot told me. If I had the money to fight this I would on principal but since I don't and want to keep my credit score good I will probably pay the extortion demand.

Biggest scam! They got 25 years of my payments and denied my policy at the age of 56.

The customer service line is not working!

I've been with Sun Life for 5 years never having to put through a claim. Once I had to put in a claim they made it the hardest thing I have ever had to do. Because I was submitting my claim documents after my policy had ended (allow for 90 days) they refused to take the documents by fax or email. The requested that I mail it in. This happened 3 times, each time they advised me that they never received my documents. After the 90 day period was over they told me that they declined my claim. Honestly, this is why people hate insurance. The lack of compassion and understanding by the representatives was pathetic. Many people consider insurance fraud as a victimless crime and I agree. For people to take money from you every month and refuse to pay a simple claim for eyeglasses is beyond pathetic.

I see so many complaints here and on other forums but clearly, they don't care. They do not want to pay their customers. Deny claims at any cost. Claimed for a pair of prescription glasses and they denied saying the seller we bought glasses from is barred and they expect us to know this. No notifications from their side considering I have an app and I received numerous notifications from them. After I complained they said it's not their fault it's the seller who is a fraud. Worst customer service. How can they blame the seller who is cheating us by not telling when they are doing the same thing.

I am dealing with insurance companies daily. Some insurance are better, some are worse. However, most are reasonable. Sun Life is not. Everything about Sun Life screams that they want to avoid paying claims at all costs. There is zero (0) customer service. Extremely poor quality in claim processing (Many mistakes) and 0 willingness to rectify anything. They seem to be reasonable on the sales end of things. But once you have a policy they basically do not exist.

Created my Sun Life profile. Security flags it and suspends my account. To unsuspend it, I need a new password. I reset my password on Sun Life, they send an email and I click the link which is somehow expired, try again. 5 tries later, still locked out of my insurance and can't file any claims on my benefits yet. My employers are paying these scam artists to pretend to provide coverage that is mediocre at best. Their customer service line also doesn't work half the time (multiple redirects into hang up).

My husband and I bought insurance with our kids as riders. Months pass, everything was ok. Years went by only to find out that we no longer had insurance. They changed our broker, we change our address still no updates. Checked our bank account only to find out they stop taking money out for about 3 months with no warnings. Not even a letter or a phone call. I am so disappointed!

This company is sneaky and does all sorts of avoidance games to not pay costs for health care, DO NOT invest with this company! Stress leave: When my short term stress leave ran out from employer's contribution, Sun Life kept putting off approving my long term stress leave for months, knowing full well I had no paycheques. They basically 'starve' you out for months, until you are forced to go back to work, even though you are not medically ready yet. Circumcision for my child: Sun Life told me they would cover the costs of circumcision for my child, so I got the procedure done for $1300.00. Then they denied the claim after I submitted the receipt. They will play the game of - "who told you that and on what date?"