Sun Life Health Insurance Reviews

Every experience with Sun Life has been nothing but horrible. I hope that everyone that answers the phone has a really bad day because they always know how to ruin my day.

We closed a term policy with Sun Life that had a cash value of $2500 with our advisor who had visited our home. When I contacted Sun Life about accessing those funds to use for our daughter’s RESP, I was told that only $943 was left of the $2500. I told the Sun Life representative that I wanted the full $2500 and that I wanted to cancel all of my policies with them effective immediately. She argued with me and said that I had to write to Sun Life to cancel any accounts. I told her to cancel them immediately. Sun Life completely drained the remaining $943 and never did cancel anything. I have spent months waiting for Sun Life to finish investigations regarding this issue. I received a phone call today from a completely new individual from Sun Life Quiet Relations informing me that there is nothing they can do. This individual couldn’t quite understand my degree of frustration over what she said was such a small amount of money. I told her I wanted to cancel all of my policies with Sun Life. She stated that she would mail me the necessary forms to cancel my policies. I was never offered or sent these forms when I requested the cancellation of my policies previously. This insurance company is disgraceful.

Throughout my adult life, I have dealt with many coverage providers. Sun Life has been a nightmare from the beginning. Their app and their website are down more often than it is up. Half the time you can’t connect to the chat option. It seems like the default is them denying your claims and then you have to jump through hoop after hoop after hoop to get it covered. They denied a claim for my husband and asked for extra information (even though I filled out all the paperwork and provided them with every single thing my dentist gave me ) and when I went to the dentist to get the extra information the dentist was totally confused as to why I needed more information than I had already provided them. This company is a complete joke.

I broke a tooth so I went to the dentist. While I was in the office, I also got my teeth cleaned. I am covered 90% for emergency examinations and cleanings, which is what was submitted in my claim. Sun Life decided that since I had cleaning on the same day, I cannot possibly have had an emergency, therefore I was randomly eligible for only $38 out of the $144 I paid for the emergency exam.
Have talked to two representatives so far. Each one has a nonsense explanation that is inconsistent with the other and seems deliberately cryptic (something about a "recall" exam). They have no clear instructions on what I can do about it, and I seem to need to become an insurance expert, then coach my dentist through the complex correction procedure. I guess Sun Life would rather pay for 10 hours of call centre service than cover their customer the $70 or whatever I am owed. Life is pain under the Sun.

Service is ridiculous! They do not deserve to be in business. A lady just answered, I wasn’t fast enough to get the number she requested so she just hung up.
Despicable attitude and service.

I have been with Sun Life for more than 28 years and have had no issues until this past 6 months. I submitted a dental estimate more than 6 months ago and 8 phone calls ago. To date, it’s still not completed. The dentist has also contacted me twice and gave up. Information is sent in and never processed. I feel is due to people not doing their jobs. People working from home and not doing their jobs. Time to get back to work. Frustrated.

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.

I've been with Sun Life for over 8 years ONLY because it is the only option my organization offers. If you have literally any other choice take it. They make it very difficult and confusing to make claims. I'm guessing they just hope people give up so they don't need to payout. The website requires 2 different access ID/certificates to get into and for some reason, my password is constantly reset (without my approval) or the account is locked and you need to call the phone line. The phone line connects you to the UK which can't access your info if you live elsewhere. They then transfer you to an automated line that has a ton of very vague options for you to choose from. You are then on hold for a long time (every time I've called) before you get to talk to a person. You are asked to confirm your identity and I think I have given every single bit of information I have... Only to be denied access because the email that the claims are sent to us different than the one I registered with. More to follow on this... I am covered by my company under a different medical plan. The "benefits" are for my family. Other than being the name on the plan I have literally nothing to do with it. I am away in remote locations multiple times a year and unable to access my Sun Life. All my claims are for my spouse or dependants. The only person who is able to access and approve the claims is me. I have asked and they will not let her access, change, make claims, or do anything on the account. Again, I could be gone up to 8mo a year. Without getting to personal, my spouse has had major life-changing surgery. The claims we make are very straight forward with lots of information (from doctors) to back it up. Sun Life fights tooth and nail with us on every claim. There is always a loophole or a fine print on why they can't pay it. Most of the claims can be submitted online... But if they decide it is questionable (all of them) then you need to physically mail in receipts etc. It's 2020, which is completely unnecessary and again just a deterrent. To summarize: - They deter members from making claims - will fight over every claim - customer service is atrocious - benefits are expensive and provide less than competitors - beneficiaries have no access whatsoever I would never recommend Sun Life to anyone and would switch in a heartbeat if I was able. Look elsewhere.

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.

Their website is low maintenance. You need to call over and over and waste time talking to customer people about the account activation! Always issues with login. Member ID doesn't work; username doesn't work, the password doesn't work... It's always something that "doesn't work''. It's a trick as they don't want you to claim medical expenses. I am cancelling their service! Bye scammers! The worst insurance company ever!