Beneva Reviews 

I was basically being told by the agent I talked to today I was a liar... But why would I lie about something like that, especially since I have all the proofs I need to show I am not a liar?

I have been asthmatic all my life and for as long as I can remember, I asked my pharmacy to get two inhalers. One to keep home and one to bring in my purse or car, because I tend to forget to bring it and when I have a asthma attack, I kind of love having my med and not have to go back home. I was able to get those two inhalers for as long as I remember, except when I changed pharmacy in 2023 where they refused to provide it. So, I changed immediately back to my old pharmacy. However, since May 2024, I only get one. The first time, I was told I could only get one, because I needed to have my prescription refilled and then a second time, where I thought it could be a mistake from the employee. But this time, I only got one and I saw that it's because my insurance refused it. I called Beneva to see if I could get an exception and instead of just telling me we cannot provide medication for more than 100 days and your pharmacy should never have allowed it, she was basically telling me that I never got two and that I was lying about getting two before May 2024... One, if that was the case I wouldn't waste my time calling you, especially to be insulted in such a fashion. Two, don't tell me I am a liar, I am a CPA and I kept all my medical receipts. I totally can prove that I am not lying. Just give me facts, don't insult me, don't denigrate me. I am a client. It's not because I have no choice, but to stay with you if I keep being a CPA that you have the right to lack respect towards your clients, especially since your insurance is as basic as the government insurance, but you charge $500 more than the public insurance and we are supposed to have good prices for being a group of CPA.

Too much detail needed to get a refund on professionnal expenses. I have tried 3 times and now they ask me for more information even if i have been treated by a professionnal that is accepted. Very hard to get the money the insurance is supposed to pay.

I made a claim last year and they are still jurking my chain. Estamator keeps asking for the same information time and again. Moved me out of my apartment for repairs Lost boxes took my area rug and lost it. Booked a tempory apartment after returning I went to the apartment to find the code not working. Tried to reach some one and no answer just leave a message. When I managed to get some one and was informed the insurance had canceled the reservation. The insurance agent then told me he canceled due to the apartment being finished. The lock had been changed so I could not enter. And how did they expect me to live there as they had all my belongings. Very bad insurance company . Stay clear they are the same as no insurance.

I bought UL for my family. The benefit service is excellent, the online application is simple and straight-forward, the refund is quick and without any hassle, the response to queries is efficient.

I sell lots of beneva products and they have the best prices .Very easy to setup and competitive in the market.Been a life Insurance advisor for 7 years with ssq and later on they became Beneva.All my client s are very pleased how everything was handled and enforce their policies.Thx Beneva.

Great service, competitive price and claims are honored.

If I could give 0 stars I would.
There are too many instances of this insurer leading me astray or being completely inaccessible.
Todays example :
You phone in to get support (in French or in English), and it doesn't recognize your certificate number. There is no option for connecting with an agent. You press 0 3 times to connect anyway. It proceeds to give you a preemptive message of thanks for respecting the agents, and then automatically disconnects the call.

Tried both in French and in English options multiple times (also selecting alternative numbers to just connect with a human), to no avail.

awful customer service and very demeaning and sexist. The advisor does not understand the terms of group insurance and hung up on me.

Trying to get through since last night. No emergency number, cannot reach anyone, you get disconnected and when you leave a voicemail, no one calls you back. We were flooded and my neighbor already has an adjuster coming. Will be changing carriers as soon as possible

Beneva critical illness is one best in the market

Best Insurance company, approved my application as standard application though I am having a type 2 diabetes. Customer support was very friendly. And their free Extreme Disabilities Benefit made my policy more powerful with best premium.

They offer free extreme disability benefit which is very beneficial to clients. Premiums are comparatively cheaper too.

Worst insurance company ever deal with. One Word dont make business with this company

I was ripped off by this company. My insurance ended on September 4. On September 1 they took a payment from my account for September when they weren't even going to be my insurance company for that month.

Was much better when it was La Capitale. They are now difficult to reach. I also received by email a car insurance renewal form with only a total amount written on it. I have 3 vehicle and they did not dare to share the details for each vehicle. When did that happen? Why are you trying to hide the premium increase??

Absolutely abysmal customer service. Ironically, the reps are all decent but they cannot do anything for you. A huge waste of time.

I was with La Capitale and never had an issue. They switched to beneva and A zero is what needs to be added to this star rating. Their always on time to take their monthly payments from my account. But never on time to pay benefits or make excuses, so thy dont have to pay.

Worst insurance I’ve had to deal with. Unfortunately I was in highway stop traffic a truck failed to notice the traffic hitting my car at high speed. Results Beneva claimed it total loss. With injury to accident single mother of 3 kids. They contacted me with total loss check leaving me 2 days rental coverage. I begged for a little more then 2 days with the old loan and new loan made extremely hard getting new car. I wrote even an email asking.. with all the after accident stuff busy and trying to get back to a car. Rental sent me an email stating a date 5 days after they said would end covered rental, I figure oh wow I got few days with some relief to my financial stress with all this accident I had no control over giving me strength to figure this hard situation. Well 5 days after what I thought was given extension. Rental calls me this morning saying Beneva pulled back the date and stopped paying 10 days ago. I said how can then after she replied I don’t know. So I went back to my email found rental email saying the date later then Beneva said 2 days I replied to rental asking about this they replied take it up with them. I called and person on the phone handle me with rude uncaring tone your just calling now (well ya k just realized from rental) they sent email I figured it was granted few more then 2 days. He replied well now it’s even later yes I realize I put budget. Well you just assume you didn’t think to call.. I reply no with all I’ve been dealing with and seeing rental email I was misled, well he says nothing I can do you should of checked, I said I’m now $600 in rental single mom of 3 kids to care for and finally I sign car but I’m so in debt with having to put thousands down on a car just to get going with one and now this
. I find them insensitive to their customer careless, heartless and once your claim is done your nothing. Knowing this accident was caused fully by another driver, when you pay insurance we hope that the company can be there as support help finding solutions. There a clear miss communication here to the rental on their part as the rental had later date and 5 days later they do this. So if you don’t ever file a claim but beware if ever you have to they will not reason they will not help more then they have to.

Was inquiring about a quote for auto insurance. The ask you to consent to share info with others. Then they refused and when I asked why the rep said he didn’t have to disclose that information..He wanted to refer me to an insurance broker. Guess that’s how they prefer to make money.

It is the cheapest insurance I found for Quebec region but are not helpful when you are leaving the region…. I am moving in Ontario (where they don’t offert coverage) and they are giving 30 days after you call them to let them know that you are leaving so it give me only a week after the closing date of my house to get car inspection done (hoping there no reparations needed) and get ontario license to have my new insurance covering me…. And this while I am moving in my new house…. I called them to extend the deadline in case of the car failed the inspection and it was a clear NO! I called the financial market thing to see my right and yes they can do that.

Think about this when you are shopping for insurance company if you think to move out of Quebec…