Sun Life Health Insurance Reviews

Sunlife access my account without my authorization. This account is only for bills and I don't have an active account with Sunlife. After literally faxing 100 times without the fax going through, I was told best to send the proof through email. Had to call and be adamant that my complaint be look into. Received this email as a response. Hello, Thank you for your email. I was sorry to learn the payment was taken from your bank account in error and returned. This should not have happened. I have refunded the bank charge you incurred for $48.00. You should see this in your account within 2-5 business days. You will not see this payment taken from your account again. Please let me know if you have any questions. I ask for an explanation of how they got access to my account and how this happens, no response.

Sun Life never meets their service standards. If they agree to respond within 10 days, you still have to call and ask for them to put a rush on your file on the 10th day or else it could take much longer. Also, their customer service is very rude and slow. They consistently tell me that I have not submitted items that I have submitted only to realize that I have submitted it and they don’t even apologize after. Sun Life also created two profiles for me when I started my policy with them and have not been able to consolidate it months later resulting in an IT nightmare when I call every single time. AVOID THIS COMPANY. It’s not worth your time.

They refused flat out to reimburse my claim without any reason. So I contacted their service department, who claimed that they needed "extra supporting documents", which was never mentioned during the claim process. Then when I pressed further she said that, oh we've had issues with this therapist in the past. For the record, I've had friends who went to the same therapist a few days prior and they never had issue with their insurance providers (one was using Blue Cross, another was with Great-West Life). And even after I submitted the documents they asked for, they still refused to reimburse me.

Got stuck with 300 dollar bills because of a hidden and vague disclaimer which apparently did not cover the procedure. Very sneaky.

Email or by phone they really don't help. On the phone, they're in a rush to get rid of you and email they don't respond to any of the questions you ask. Ended up having to ultimately take my own time off, I hope I never have to deal with them again.

Had an agent who came online and she started speaking to me as if to say I did not speak English. I asked to speak to her supervisor to which she said sure and then put me on hold for 15 minutes, and then hung up on me.

It is the worst insurance company ever. I had to send them twice the copy of the receipt because they lost it. And still, I did not get the money I claimed back. Stay away from them.

Okay. Let's get things straight here, I would give a 0/5 for Sun Life in the disability sector. 3/5 to the group benefits. I have been off work due to what I have found out is bad ADHD and a myriad of anxiety disorders that I have been dealing with my whole life, and things have started to go extremely bad aka, almost suicide... I have been doing my due diligence with going to my appointments etc. waiting. Going to more appointments. Until I have finally gotten to see my psychiatrist today. When I first applied and got accepted for my disability claim. It took 3 weeks to get anything done. It took two weeks for my case manager to get a hold of me and confirm. Then after that. It took a week for my claim amount and dates to process. Then somehow a whole week to mail me a check... second time I applied for an extension. It took another 3 weeks to get any money. It is extremely difficult to get a hold of any case manager. As for some reason they aren't actually ever in their office. Why? I do not know. This is a benefits company. You are supposed to be helping people who are disabled or in need of help. These people need quick service. Not a lot of people have a whole months worth of savings to back themselves on to these days. May I mention, we also pay into this. So it is basically our money, to begin with, okay? So I have been diagnosed with bad ADHD and three other anxiety disorders along with a stress disorder. So my fiance and I were not able to pay rent due to 3-week delays, which happened twice now. I have been evaluated and strictly told to take 3 months off work for new medication and a strict plan ordered by the psychiatrist. I have left 4 messages in the last 3 days trying to get a hold of a case manager, to avoid the previous almost month-long delays. It is absolutely ridiculous, unprofessional and stressful. Sun Life financial should be stripped of their licenses and removed from the insurance business. People need money when they are not working. Unbelievably horrible service from this company and I am appalled my company uses them for their insurance and benefits. I could go on all day about the bad experiences I've had with Sun Life. But this will have to do. If someone high up in Sun Life reads this on some off chance. There needs to be some changes

The company I was working for closed the business and all employees made redundant. This was in August 2018. Despite the claim being made in July 2018, the first contact to advise that no payment would be made was the end of February 2019! Denial of claim, then numerous calls and it took three calls to the call centre (offshore of course), and 10 days to get a call to advise no payment. Awful service! I was advised that as of mid-July 2018, due to administrative issues, all claims had been suspended. Why so long and so many calls/faxes/online claims to get the answer? 7 months is astoundingly poor service!

Each time I made a claim, I called before to ensure I was aware of how much I would be covered for vision, dental etc. I was told that 100% of my personal benefits would be covered in some cases, while others would be 80%, in accordance with my plan. I also made sure to check my mobile app and review the same information provided by the customer service line. Each time they reviewed my plan there was always less coverage and when I followed up with the claims, there was always an excuse as to why I wasn't given the full amount. Horrible service. Please do not invest your money.