Sun Life Health Insurance Reviews

I have health plan coverage through the Public Service Health Care Plan (Canada) and will say it's the worst customer service I have ever experienced with any professional service company ever. It's as if they deliberatly attempt to frustrate the customer to make you give up. The phone advisors are more often condescending and rude than they are helpful, and the online secure messaging and inability to communicate by email makes the whole system as slow as molasses. I have come to despise Sun Life and will never, ever willingly use them for anything ever again as long as I live.

8 months now on my new job and still don't have life insurance coverage! They keep calling to tell me I'm missing "something" to finish processing my application but they cant' tell me what's missing. The sub-contractor they sent to do my physical lost some of my paperwork so they denied my coverage. Now I'm being denied due to "non-response". When I call to ask what I'm supposed to respond to, and I quote "Sir, we don't know". They denied coverage for my wife for a "medical condition", but they can't tell me what it is. She has only had a couple surgeries on her feet........ HR is trying to help but there is only so much they can do. I give up. I'm just going to tell HR to cancel my application with Sun Life so I can just go get private life insurance. It'll cost the same but I'll have much better service. Not a grain of intelligence can be claimed by any of the agents working at Sun Life! Anyone that rates better than 1 star obviously hasn't had to deal with them in any capacity yet - but you'll soon find out and be back here re-posting a new review.

I have UHIP with Sun Life. Initially they say everything is covered 100% including doctor visits, but when you claim they decide what % you pay out of pocket all of a sudden. First, they never send you the health plan information packet, second, the out of pocket expense % is not mentioned anywhere. So you're basically lost, and they decide how much they pay for each claim. God knows how they calculate these percentages. Their customer reps can't even explain this. Poor service, and misleading info!

The title said it all. I dealt with blue cross, manulife, equitable health and great west life. None of them was as painful as Sun Life! I agree with someone here that their mission seems to be to dissuade you from claiming. I submitted acupuncture claims in Dec, they wanted to see receipts, I mailed in receipts, then they wanted to see the hour and time for the appointment. I trekked back to the accupuncture office to get it for them. Now they wanted my diagnostic notes? What the heck? Is that legal? And can't they asked for all information at once? Two months after submitting and still no payments for my care!!! What kind of health care is this? Piss me off more than providing for care. By the way, they are also the first crappy insurance requiring massage therapist to have freaking 2200hrs! Ridiculous. I just pray and pray my company switch toANY company but Sun Life! I refused to buy any life or critical insurance under them. If they made a couple hundred dollars acupuncture claims to be so difficult. Think of what they will try to do to your life insurance or critical insurance when you needed them most! I would not want to put my love one in a situation having to deal with them.
Their 5 days turn around is also full of bs.

My company switch from Claim Secure to Sun Life and for a while all was fine but then in September I had an accident while traveling and they have denied my claim for hospital and operation costs. Continuous fight with them and Europe Assistance. Still no reimbursement and feel it will have to end up in the hands of a lawyer.
Also since December any claims for prescriptions or physio are delayed and I cannot get any straight answers from agents or supervisors who say they will call me back and they don't.

The HR of my husband's company continuously tells SUN to pay her dental. And continually they refuse. If you do a search on Sun Life Financial, ALL they care about are their INVESTORS. So my kid gets to go around with rotten teeth to keep investors getting a return. I even wrote the president and VP and someone else there and they wrote back two pages of BS to me.

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!

Stay away from Sun Life. I paid thousands of dollars of premiums over several years, only to find out that mysteriously my plan was 'cancelled' without my knowledge (while payments still being withdrawn) and that the representative who set my account up was fired for misconduct. However, no compensation was offered to me. The value is a joke too. I have an insurance plan now for more than double the benefit amount for literally 10% of the cost of Sun Life. Complete scam.

Since I got a new employer, I had to switch to Sun Life. I have had nothing but huge problems with them. After months of paying for a family plan, my fiancé had dental work done only to find out we had to pay all money out of pocket because Sun Life was saying that we were not covered. After many many calls with them, they finally saw that we were in fact covered and had been this whole time. Fast forward 5 months later and we still have not been refunded the money. They are now trying to claim that they paid us out. Incredibly rude cutting me off when I tried to explain what had happened. They do not listen, do not refund or properly cover you for multiple claims. I will be cancelling my coverage and will never deal with them again. I will go back to my previous insurance company which is wonderful, respectful and I never have issues with. Sun Life, maybe you should treat you clients with respect as we pay for the seats you sit in.

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