Sun Life Health Insurance Reviews

Horrible company. Refuses to pay claims. It costs more to to have them, then what they will pay for. The worst.

I am extremely disappointed with the services provided by SunLife. Recently, my one-year-old son experienced a choking incident, and we had to call 911 for an ambulance. Despite their arrival and necessary treatment, it was decided after an hour of monitoring that transportation to the hospital was unnecessary. I promptly paid the charges for the ambulance, but upon claiming the expense with SunLife, my request was declined. Their explanation was that since the ambulance didn't transport the patient, the reimbursement was not applicable. Despite explaining to the customer service representative that the initial intention was to transport him, SunLife chose to use this technicality to deny the claim. This kind of excuse is both absurd and deeply disappointing, especially coming from an insurance company.

I have about 9 submissions that Sun Life is avoiding paying (3 for massage) which is stated in my work benefits I have access to. When I submit they say doctor's notes are needed. My doctor's notes cost $15.00 because my doctor is tired of writing doctor's notes for everything. He even said that he is going to start letting nurses write them at his clinic for $15.00 for anyone who comes in for anything because it should be the patient's responsibility. He said it isn't even medically important to get a referral from a doctor it should be as simple as "is your back sore?" (Yes/No) if yes go to a massage.