Canada Life Financial Corporation Arvostelua 

I am writing to express my ongoing dissatisfaction with the handling of my family’s health and dental benefit claims. Unfortunately, the majority of our submissions encounter problems. In fact, four out of five claims—whether for myself, my spouse, or my children—result in some form of error or delay. This occurs regardless of the provider involved, whether it is our dentist, eye doctor, or pharmacist.
Every year, I update my children’s full time student status, which is expected. However, despite updating the information on the Canada Life website and receiving confirmation that the changes were saved, I later discover that the system did not actually update the profile. This leads to repeated issues, especially since the health and dental systems do not communicate with each other, causing duplicate problems for the same claim.
Another recurring concern is that even your staff are unable to resolve these issues directly because decisions are made by an automated system. For example, one of my spouse’s claims was denied simply because the service provider had not updated their profile on the Canada Life portal—something no other insurance company has ever required from this same provider.
Each time I call for assistance, I wait 30 to 45 minutes before receiving any form of resolution, and I am then told to wait 3–4 business days for the system to update before resubmitting the claim. This results in unnecessary delays, wasted time, and significant frustration.
At this point, the process has become extremely inefficient and discouraging. I am requesting that these issues be reviewed and addressed so that my family can receive the coverage we are entitled to without repeated obstacles.

Canada Life must be the worst at scrutinizing, delaying, denying any claims. Their timing for estimates is ridiculous in today's standards. Hoping my employer switches to another, more reliable and better provider than Canada Life. Absolutely terrible service. There is a reason they are one of the lowest-rated providers. Profit-driven company? Maybe?

Corruption to the max ! Don't ever use this company . I took a disability insurance policy out 1.5 years ago . Was honest with my health history. Ended up trying to use it as I am on chemotherapy for 9 months. Of course they audited my medical records , I had nothing to hide. THEN they falsified medical documents to try and accuse me of having serious health problems that I DO NOT HAVE . Even my doctor knows they are scamming and he never sent any such records to them! I have to wait for my appeal to be rejected now before I can lawyer up. I'm coming after you Canada "Low " Life. I'll use every cent towards a lawyer just to expose you. What you do to people is illegal and unethical. I'm not alone in this scam. You get zero star rating from me .

Just seen the news about a kidney transplant patient. Being denied for the brand name medication. When any change in any medication can be deadly.
What the hell is wrong with you people?
Are you out of your damn minds?
You are purposely willing to let this patient die. So you can make more money.
You will be under investigation.

Wife got in car accident 100% not her fault and they keep losing paper work they have no clue what’s going on , just an Absolute disaster of a company still haven’t been paid keep pushing dates back no one answers or calls back

The challenge with CanadaLife - I am insured as a member of a provincial public service - is their continued requirement to re-approve coverage for essential health items prescribed by your doctor.
I am diabetic and rely on my work health benefits to help offset the significant costs associated with managing my chronic disease but every year I need to get reapproved for things like insulin, electronic diabetes monitoring devices, etc. even though these have already been approved for coverage by CanadaLife. It's as if they presume my chronic condition is suddenly going to be cured by some Act of God so they just want to annually check in to see if God has intervened on my behalf.
Obviously this business model of constant reapproval for existing medications that support existing health conditions is a business model intended to wear people down so that CanadaLife can maximum its profits by frustrating the people it says it serves.
I have no issue with companies making money but asking for ongoing assurances that you still have your chronic condition just seems stupid.

Quite possibly the most toxic and unscrupulous coorporation I've ever dealth with. They lie constantly. They tell you that you have coverage, then years later change their minds. They also send bills to collections without reaching out to the customer first. I only found out because I went to apply for a mortgage and my credit has been ruined for 5 years over a phoney bill that was sent to collections in error. You can't phone them, and even if you get through their horrid automated messaging system, the agents you speak to are functioning at a level that is well below incompetent. They transfer you all over the world, but never to the correct department. Then, when they realize that you're not just going to go away they promise they'll have someone phone you back right away, but of course they never actually call back.
My mortgage is currently hanging in the balance, waiting for Canada Life to fix their mistake, which you would think that Canada Life would take seriously. They don't care. They don't care about you, or me, or anyone else. There is no such thing as putting in a priority request, or having anything dealt with urgently. In fact, there is no way to resolve anything with a toxic and unscrupulous coorporation such as Canada Life. My previous employer, the Sask Teacher's Federation dumped Canada Life a long time ago, although I'm ashamed to admit that my current employer is still doing business with these snakes. I am also deeply ashamed that Canada Life has the word "Canada" in it. They do not embody a single admirable qualities, let alone what it means to be Canadian. I will be asking my curent employer to follow suit and find a reputable provider for Gov't of Sask employees. I wouldn't recommend Canada Life to anyone, anywhere, at any time during human history. If I could sumarize my experience with Canada Life in one word I would, but I don't think we have words bad enough to describe this company. God help us.

made me jump through hoops just trying to get a quote, would not want to even imagine, and feel bad for any of these customers living the nightmare, trying to make a claim with them.

Canada life is a joke. I feel like I'm in the movie groundhog day. Over and over and over again with denials, multiple half hour waits in qeues,lost paperwork and transfer from agent to agent to agent that can't process anything. Great West was fabulous these people are careless and could care less

I would actually give zero stars! Canada Life is terrible with timelines working on any claims. When you call, you get no help in resolving any issues, I am not sure how and why they are so different and difficult from any other Benefit company. What takes SunLife 2 days takes Canada Life a minimum of 2 weeks. Really sad actually and very frustrating to deal with them. I truly hope that changes one day!

They deserve 0 stars. Incompetent, no consistency in the information from the agents. They are rude, talk over you and refuse to provide the info on filing a complaint re: poor services. Please stay away, they do everything not to pay you.

We’re with local 183 and they have Canada life and they suck. They take 5-10 days to process claims ridiculous and took away 100’s of peoples access to medicinal marijuana.
They want people to take pharmaceuticals now before they approve medicinal cannabis even though they’ve approved people for the last few years.
I thought the point of medicinal cannabis was to stay away from poison pharmaceuticals.
Corrupt company run by the corrupt pharmaceutical companies.

I am extremely disappointed with my experience submitting a claim through Canada Life benefits, which I pay for through my employer.

After filing my initial claim, I was asked to provide additional documentation. I promptly submitted everything requested and received confirmation that my documents had been received and would be reviewed. However, after an entire month passed with no follow-up or update, I had to reach out again myself.

I resubmitted my request and once again received confirmation that someone would review my claim and respond. Despite this, I still received no communication or resolution.

In an effort to get clarity, I attempted to use the live chat feature. After being greeted by an agent, I was left waiting for over 12 minutes without any response before ultimately closing the chat due to lack of support.

At this point, the lack of communication, follow-through, and basic customer service is unacceptable—especially for a service that I actively pay into. There appears to be no accountability or reliable support system in place to assist clients with their claims.

I would appreciate a prompt review of this situation and a clear explanation as to why there has been such a significant delay and lack of response.

I would rate them lower if I could. I started a mortgage disability claim on December 1st 2025. I pay a heavy premium for this insurance. As I live on Vancouver Island, I have no family doctor. I made the claim after my surgery for cancer and seeing that I would have treatments that would last over a year. There are "policies" in place that require going back in my medical history to a workplace accident years ago. I notified them that the clinic that i attended would not reply to the inquiries as it is not in their policy to do so. Here I am 4 months later, still no further ahead. I was told to go to the clinic myself and ask for the information they need. I am currently taking chemotherapy and my energy levels are sporadic at best. It doesn't seem to matter that I am claiming due to my current condition. They want unrelated info because of their " policies." I will be giving up and cancelling my policy with them as they are not customer focused, and seem to be against helping those in need. And I am adding my review to warn others off as there is no help here. I will be bankrupt before I get help, as I warned them I would. Terrible customer service.

Dont waste your money paying into anything through canada life. They will deny your claims despite having loads of evidence and your Dr backing you. You also dont need any education in any healthcare field to assess these claims, just insurance experience. I have more education in this than they do. Top tier scam.

Warning: Avoid Scotiabank’s mortgage job loss insurance. After paying for coverage, I lost my job in April 2025 and spent an entire month jumping through hoops because they lack a basic online claims portal. They drip-feed requests for forms, wait a week to respond, and ignore secure messages. In the end, they denied my claim because the job loss occurred within 90 days of signing. They are happy to take your money, but when you actually need the protection you paid for, they hide behind fine-print exclusions and a snail-paced process. Extremely disappointed. (Also I am aware I'm posting this in 2026 since I had money to pay the mortgage up until recently and decided to file a claim)

Like an American healthcare company, they'll do anything to get out of a claim. Purposely poor service, they hope you'll expire so they can pay their shareholders a bonus.

Pay extra for a competitor

Claims process is poor. Requested information should be detailed and clearer and not implied.

Not good zero service. Zero respect

Everything went wrong. The entire team is totally incompetent. I asked to escalate the situation, they did not, and would not and it was a sizeable investment, to be playing with incompetent no minds. They had moved my investment to some very very shady organization, without notifying me. When I looked up this company, the scandals and lawsuits were incredible. I was told my investment was no longer there etc etc. NEVER NEVER Deal with Canada LIFE.
They all work from home, so you are not allowed to speak to the same person... It took me 15 months to resolve what is usually about, an hour or two transfer/transaction.
They are all incompetent, and spend hours and hours of your time , jerking you back and forth, and sitting on hold, and verifying yourself 100 times, as you are always dealing with different people. guess they can't afford cel phones.
I hated to have to give them one star. Can we not have and F rating or a pile of garbage rating.
Warn the world about these people.