Sun Life Health Insurance Reviews

The worst insurance company to ever deal with. Don't ever get your insurance with this company. They will never pay you. They will keep asking you to submit all kind of your medical information. Then take awhile to review it and get back to you. And then they will ask you to submit more medical information. So, your claim will be on hold for months and months. Until you get frustrated and don't want to deal with them anymore. And that’s their goal so that they don't have to pay you. Warning: do not consider to get insurance with this company.

Don't bother calling them if you have a group benefits question. They are not helpful and they are always screwing up.

Read the small print! They will try and get out of paying a dime for any reason. They don't care about you, just the shareholders.

If your employer offers you this insurance either refuse it or see if they are willing to look into other insurance companies. I have 100% on prescriptions, but today I have spent over an hour in my pharmacy trying to find out if an IUD is covered by my benefits. It got to the point that my pharmacist had to sit on the phone and firstly explain what an IUD was and that there were non-hormonal and hormonal ones. .. He had to explain multiple times that because it was not hormonal it did not have a drug identification number. They attempted multiple times to tell me to just pay for the item and submit a claim to see if it was covered but luckily my pharmacist stood his ground and made Sun Life search their systems until they found the item (which they had previously told us either didn't exist or was too new and so wasn't in their system). In the end I was told that the item was not covered (which is frustrating) but I was told still to attempt to submit a claim, so it it covered or not?!
My pharmacist told me that he has made claims with Alberta Blue Cross and other companies for this IUD without any trouble. I don't know why I was surprised since every other medical claim I've made in the last year has been 'randomly' selected for auditing. AVOID AVOID AVOID

They have the worst customer service I have ever dealt with, the lady who was processing my insurance through work is a complete procrastinator. I have been waiting for almost 5 months to receive my insurance package. Once I called to follow up and the lady said they just found out some information they needed was missing so it wasn't processed yet. I asked why nobody called to tell me that, I always have to be chasing with emails, it is their responsibility to check on the status of my insurance and inform me if it's not been processed because they needed more info. What if I didn't call to follow up? I'd probably be waiting 5 months to receive my package. Also, you will never get a phone call or email back, they're pretty useless.

I'm covered under group coverage through work, and there have been two times where they have denied dental coverage. First, my son had to go to a dental specialist (although is someone who provides similar dental services), and they said it wasn't covered, so they provided a 'similar' fee guide for services performed - which ended up being about 35% lower. Second, I paid $3400 for a dental surgery /services and the first part was put to my wife's benefit provider (also Sun Life), which ended up getting paid, but then, although my information for coverage was also on the form, they did not pay my portion. They told me I had to re-submit... which I did about 100 days later and they denied it saying it was beyond my plan's time limits. 90 days? Even though on the first submission everything was there. Enough said.... if you're thinking about going with a particular provider, well, you know what you should do...

Rude experience with a white woman being racist and hanging up the phone like an animal. I prefer being with animals than these so-called "people". How do they even have a job? I have seen cats and dogs more civilized than these pathetic people at Sun Life financial. Disgusting.

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.

I've been with this insurance company for years. They refuse to help their customers in any way or at least try to keep their customers happy. I tried adding my spouse on my plan a few months ago and heard nothing back from them. When I decided to take matters in my own hands once again and call them, they've informed me that it was denied, yet they cant tell me why! So like always they transfer you over to someone else who is never sitting at their desk.

If you have options please do yourself a favor and don't sign up with these people. They don't care about you or your well being. They just prefer to take your money.

I attempted to cancel my insurance policy through Sun Life in July of 2016. I sent in all of the appropriate forms immediately, and was told that would be enough to cancel my payments. Shame on me for not looking at my bank statements close enough, but I noticed in October that payments were still being made for the account that I cancelled. I attempted to contact Sun Life to resolve this, but they have not responded to my emails. Eventually I had to pay a service fee through my bank to cancel payments to Sun Life, since Sun Life appears to be unwilling to cancel my payments on their end. Do not sign up for anything with Sun Life, ever for any reason. They are a crooked company.