Canada Life Financial Corporation Arvostelua 

Terrible company and incompetent customer service. The people working customer service have no knowledge. The company seems to make medical decisions for the client (which are usually immoral and wrong-headed). My 85 year old mother has a permanent ostomy, atrial fibrillation and is in heart failure. She gets monthly blister packs as she is on so much medication and they won't cover more than 5 during the year. Her ostomy supplies, half don't get covered. We're still trying to get her first claim through since March. I'm looking at what medications are covered by OAS because this is absolutely ridiculous! For the amount of premiums their clients pay, they should be ashamed as the government should be for switching carriers!!!

Absolute worst insurance ever. Sends me a letter saying Im covered for 12 months. I books an appointment with my doctor 2 months before that would expire and gets my bloodwork done 2 weeks before my doc appt. Goes to get my meds a few days later and they are no longer covered. They cut me off 2 months early. I need the to live people. Worst company ever.

Bought several policies through an advisor and he ghosted us after we paid the premium. Called the customer support center to ask if the money came through and the lady basically wanted to put words in my mouth, anticipating my questions and pointing me to unwanted and unneeded directions before me even saying a word about why I called, with a rude tone of voice. Why a customer who doesn't even call about a claim deserves to be treated that way and why a company allows call center employees to act like that? What kind of company is this?

These clowns have to be the worst benefits provider ever. Their website provide answers that a 2 year old could provide. Submitting an email request? You are more likely to be able to fill out your CPP application and get CPP in less time. I can't believe employers select this organization to provide benefits. The cost must be dirt cheap.

Since they took over I had nothing but problems with the way they evaluate the eligible amount of my claims.

Had a $214 claim for simple pills and i got $4 back!!!!
Not happy that they will administer the dental portfolio next fall.

Worst customer service, dental claim from November 2023 until now not processed. more information was needed from the dental office which was submitted from February and yet the claim is not processed until now. when calling, the excuse was: sorry it was overlooked. will see now how fast they will process it?!

Just recieved a letter from Canada Life stamped “protected B personal and confidential”. The cover letter was to me but the form was for a woman in Ontario. It included personal info including where this person banks as well as her account number etc. Can you say grossly negligent! I can!!!!
Do not use this business ever! If u have to deal with them thru your employer…GOOD LUCK! You will need it with Canada Life

I would give them zero but it's not an option.
To anyone considering investing with Canada Life here is our story.
CANADA LIFE IS BRUTAL! We have been trying to have a substantial amount of money transferred since November. We have called and emailed repeatedly. Our matter was "escalated to a specialist " 2 emails later they stopped responding. We contacted Canada Life again to have it escalated even further. We're currently on day 8 of waiting for a supervisor to call back within 2 days. This is absolutely terrible customer service. Next step is contacting the ombudsman's office.

Nightmare company. None of my claims are being paid, and I'm 5-6 weeks since claim submission. Simple orthodontic claims. My last employer had Manulife - 100000% better than this. I'm wasting so much time following-up with Canada Life, and it's a massive headache.

As a followup to my previous horrible experience with canada life.
I have appealed my Ozempic medication 3 times with them. All 3 times they declined the appeal stating the same reason as before.
1. My health is too good to need the medication
2. My blood sugar levels don't indicate that i should be on this medication.
How negligent and dangerous Canada Life is.
No matter how many notes I put in my appeal saying that this is not a new medication I am on, they are treating it as a new medication that i am starting. I swear they must be run by computers because no human can be this negligent and uncooperative or understanding. I want to know if their employees have a medical background or do they think they are internet doctors.
Its disgusting how they treat people.

I have had no choice in dealing with this company as y employer chose to go with them instead of Sun Life. I pay $64 a month for coverage ..supposedly for 80% prescription cost coverage. So 3 months is $192. My prescription costs for 3 months is $239 .69 in addition to the $192 total $431.69. I cannot take any generic medication as I am extremely allergic to at least one of the fillers used in generic drugs. My Dr filled out all the forms required so I can get the Brand name medication. That was July last year! So far I have been denied recompense. At the moment they are now telling me they have no forms from my Dr on file.. but they were there in November! I have to get them filled in again. Back to the cost... Out of that $431 .69 Canada Life paid $27.90!!!!! SO tell me where is the advantage of having this plan? I sure can't see it! What I don't understand is how an insurance company refuses to accept a qualified Medical Doctor's statement that says MUST have brand name Medication. So every three months my coverage costs me $400 and they give me $27! With Sun Life it was enough for the DR to write brand name only on the prescription to get coverage.. not any more.... This needs to be fixed!!!!

Terrible wait times
Zero help from CSR
I pay a lot and they turn down a small claim for my son who hardly uses the service
Hate to think what a bigger claim would be

This company is the worst. They have a very simple menu when you call customers service (not niche enough), then you experience long wait times (always, this is not just certain times of day or every now and again, its EVERY TIME I CALL) on the phone to being transferred multiple times to different departments, to being disconnected in the process, the list goes on. And when you're in one department asking even general questions its like they don't know how policies work across the whole company so they can never answer a question. I feel like customers are so frustrated with the operators that the operators in turn are short and rude with the next customers and it all perpetuates a terrible cycle.

In addition, we have never successfully reached the health spending visa card center using the number on the back of the card. My partner and I both end up waiting 45mins or more before the number just disconnects us. Which is even more infuriating when you call the regular customer service line and they just try to transfer you to the visa line and the call gets disconnected. Are you sensing a theme yet?

We have had them through an employer for 3 years now. We can't wait to switch one day.

The rudest agents I have encountered, period. The website is never functional, so you are forced to call and sit there watching what's left of your (possibly?) insured life fade away. What a joke.

The wait time for answering a call is down right ridiculous. I couldn't tell you how the agents are because they never answer. An hour and a half waiting and then the phone just hangs up.
You want people's money for this kind of service?
How pathetic... DO BETTER

Since the PSHCP transferred to CL,(Sep 2023) I have spent (literally) hours on the phone attempting to get my Group insurance plan account straightened out. I have contacted the help desk, their ombudsman, and still receive rejections of claims based on an insurance plan I haven't belonged to in over 5 years- with them completely ignoring the account#, form used, and countless attempts at removing my name from this old plan. When I finally got a call back after dozens of attempts, I was asked to provide information that was not indicated in my plan handbook, with the assurance I would receive a follow up in 7 days. That was 14 days ago. Completely incompetent organization. Sad - as their old organization Great West Life was not that bad to deal with.

If I could give zero I would. If you get a staff member on the phone they usually give you misinformation to get you off the phone. I have waited 4 times for over an hour on the phone and left messages each time only to be returned once. Then he gave me the wrong information. But from what I see from other reviews they don't care. Sad and discussing. I pay for this service.

If I could give them a zero for this review, I would.

I’ve only been on the PSHCP program for 6 months. Haven’t been able to each anyone by phone for the first two months. Fought over the last 4 months for coverage we already had under the previous provider. Their staff do not listen to questions or provide adequate answers. Actively delayed responses to ensure we lost name brand drug coverage. Unacceptable.

I tried for 7 days to cash in part of my pension pot
After 6 different letters asking for the same info they tound my initial reply
Now they tell me it will take a further 5 DAYS to reach my account
Everyone knows money can be transferred immediately

Canada Life is a terrible insurance provider.

They declined our claim because Covid delays meant my sons treatment was delayed until just after he turned 18. We appealed with supporting documentation from the maxillofacial surgeons office and the orthodontist but they did not care.

They never responded to any message sent, never acknowledged receiving our appeal, and their final decisions hide behind some anonymous denial.

Canada Life does not care one bit about any of the people it serves. Their customer service is garbage.