Manulife Reviews 

Well it started back in April, I called to get clarification on cataract surgery coverage. I was informed it would be covered from my diagnostic visit through to the surgery (IOL) implants at 80%. After my first visit with my specialist I started submitting my receipts for the lense imaging and preparation for the procedure. I didn't hear back for over 2 weeks so I called back. They lost the attachments to my email that contained the receipts, so I re submitted them. I called back again a week later, still no response and I was told not to call or email again they would notify me. Another week went past and I called again, still no clarity so I asked for a manager. I had to re explain everything again!! The supervisor Ava seemed to understand the sequence of events and said she was going to re submit the information and recommend payment and she would call me back between 24 to 72 hours. That has past now and I waiting for a call back from her. Not 1 person gives the same story as the last one. I have been a plan member for almost 30 years to the tune of $171,000. and an additional $60,000.since I retired! Horrible company to deal with! I can't understand the accents and they don't fulfill their promises. This is all over a $6000.00 claim, shameful! Why would they treat a senior this way, or anyone for that matter? It cost me $550.00 per month to have this policy, truth is I would have been way further ahead to set that money aside and cover this all myself. I'm gobsmacked at what they put people through. This is a very shorten version of the journey I've been on ☹️, sooo disappointed.

Bunch of thieves!.strongly suggest to HR and bussiness owners don't get even close to these thieves, If you want to give real insurance to your employees.

This company has screwed me over BC they refused to give me my account number a while back BC they say money gets taken out on the first but reality it's taken out 2-3 days after and I was missing 2 dollars my bank rejected the request and instead of giving me the account number so I can pay they told me to wait (which takes about a month) and now I am owing a $1000 in fees BC of it. I got fed up in August and finally got the account number, started making payments to remove the balance only to find out on Oct. 20th they fully cancelled my account so so I didn't have to make a payment, to now, just a few days ago that they exempt my account and that I owe 700+ still after me calling to find out how much I owed on the 20th a few days before. And I asked them what happened to the amount I paid for August/Sept and they said it was for specific months.... Which by my calculations I should of only had 300 left of the 1k I owed... They basically stole the 700 I already gave them....(I also have low income so I don't have alot to go around and have to budget so much just to even make sure I have food on the table) On-top of it all There is so much miscommunication from those who are in the higher ups and they take a long time to even respond back.
If you plan on going with them, be warned... Demand the account number so you can manually make payments DO NOT trust the automatic payments. But don't ever expect them to do their job properly cause it takes months or they are back and forth with your account. if you had an advisor don't expect them to reply back to you ever so your pushed to calling ppl who basically take on the heat from clients. Their website doesn't give you options to make payments and takes a few weeks to update any information on how much you owe or that your payments even made it through.

I've called two times to get some information and it was more than half an hour waiting for a customer representative. I called to ask them why my wife is not able to use her benefits as beneficiary, so they told me that my wife was not registered as a beneficiary, so they can't offer any service at all. My point is, I did that process in paper with my Company, and the Company confirm they did the process, so it looks like Manulife is not doing its job properly and now my wife is supposed to wait a whole year for being registered in the system. Not fun at all.

If there was a -0 star I would have entered it. The customer service people are arrogant and I hate my company on going on with them. I would advise all the companies not to use their plans.

If I could give minus 100 stars I would do it.

Customer representatives are indeed very friendly but the company's processes are so useless that the reps can't really make up for the lack of efficiency, lack of robustness and lack of features that their system/processes offer.

I've been trying to provide Manulife with some documents as proof that one of my kids is still at school full time but hey, my documents are either ignored or trashed or I don't know what.

My employer even tried to do the changes themselves from the internal admin portal but even that does not cut it.

So overall, if your employer suggests Manulife as a health coverage provider, better ask them to think twice.

They denied my claim- there is a drop down option “why was my claim denied” I submitted. The response was . ‘ Hi! Thanks for contacting us. Sorry, we’re unable to respond to this request. Our FAQ page may have the answer you’re looking for. Click here for our FAQ page.“ I did not find the answer . Why have the option to ask the question if you’re not going to answer.They only cover a small portion of most of my prescriptions. I tried to download the coverage details for my plan . Nothing downloads. Last year they denied a special authorization for a medication. They told me it was an incorrect form. they sent it to me! 3 times! Not pleased with Manulife at all

ADVOID!!! This company should be shut down. Waiting over 30 days for a claim to be paid that is life or death is not acceptable

Tried to sign on to Manulife bank. Both online verification tools failed, so I clicked the "verify manually" button, got an email reponse saying they would be in touch in a couple days. aAweek later nothing. Called, they lied and said they had sent me the form. Checked email. It was sent two minutes ago (after my call). Filled out and submitted the form, through docusign, again no response for over a week. Called, they can't find the application (that I was actually looking at in docusign). Asked to talk with a supervisor. Can't but "they will call me bac"k. Instead, they resent the full application, and deleted my information from their system. They are incompetent and ueless. I wouldn't trust them to water my lawn, let alone manage my bank account or investments. Their avg 1 star rating on here is well deserved.

Manulife denied my claim . After Surveilling me for over a Year before I even applied for LTD.

Hillary Steele Claims manaher claimed t
Manulife arent surveilling me after I complained to PSIS , and the I surance Ombudsman.

They also made.me fill out an Activities of Daily Living form so they coukd follow me around , to the corner store, Loblaws, Buying clothing and even followed me after i culdnt drive and I was rediced ti using a bicycle and Subjected me to insulting reviews of My file by Agents who claim to be Doctors who are paid by Manulife.

Natalie Gamarnik of Manulife denied my claim stating that "Cyling" is a Hobby and Disabled people don't ride bicycles. If she only knew I had no income and was forced to ride the bicycle and still emabarassed and humiliated me.
He manager Hillary Steele also denies they are surveiling me .

They had me fill out the Activities of Daily living so they could know when my next appointment with my doctors was so they could video me so they could deny my claim.

I confirmed this with a Lawyer.

I am so upset that I have been left with no income and now losing my home because Manulife doesn't think I have leukemia, Clinical Depression, Double Bypass, Heart Attack, Diabetes and left me without income or medication.

Manulife basically left me to die.

If I could, I would give a 0 star. One of the WORST insurance companies to deal with. Made over 30 phone calls, across the span of 3 months, with customer service employees, managers and even managers in the complaints team. No one ever replies to emails or phone calls. They screwed up the maximum value of my dental benefits 4 times! And then didn't even fully pay out one of my claims. Absolutely horrible. Never get insurance from this company.

Manulife has the worst customer service I've ever experienced in my life, several 5-7 calls to dispute a charge. Escalated service officers don't reply, leave ticket hangining and never ever call you back.

the absolute worst company to deal with, can't spell the word competency let along provide it. Same issue came up again for the SIXTH time, my file is supposed to be flagged with notes and yet they manage to screw it up again. Same run around, same 20 apologies, still staff with no idea how to do their job properly

They can help by giving me the money they promised.

Horrible group benefits. customer service you can never get a hold of anybody and your worker never calls you back... Their policies are unrealistic no wonder people stay on the insurance for so long. When transitioning to long-term you have to wait till the end of the month to receive a payment how does that even make sense. Definitely going to be talking to my company about this.

Very poor cx service don't mind taking my money every month but when i need questions answered about my coverage everything is escalated with a case ID and no one ever gives me a answer , have to call multiple times every day and spend hours to find out a simple answer provided DIN numbers and everything still cant get a straight answer transferred from one person to another with no answers highly recommend staying away from them

Absolutely the worst insurance company I HAVE EVER DEALT with in my life.

this company has no respect to its paying customers theyre only good at taking everyones money but once you need to contact them its as hard as looking for a most wanted criminal writing this review while sitting on hold for hrs now they charged my account for $400 without any receipt or documentation i never paid them anything to this amount ever before manulife you all sucked!!!!

I allowed my mortgage broker to convince me to move to manulife. What a mistake that was. They tried to strong arm me into closing all my bank accounts to move to them which would have involved moving 23 auto payments. They are also charging me banking fees for an account I don’t use which they take off their line of credit again which I get charged interest for. They promised to auto withdraw the mortgage payments from my main account to manulife account to cover mortgage but have yet to do so again 3 months of interest charges and an extra step for me to transfer funds myself each month. Also found out they do not submit to the credit bureau so you don’t even get credit for paying a mortgage with them. None of this was told to me up front. After 3 months I still do not have copies either hard or digital of my mortgage or terms. I’ve called at least a dozen times and they never get back to you and they don’t answer emails at all. It’s been a complete nightmare and they gave me a 5.20% locked rate when I can get 4.29% anywhere else. I just broke my mortgage with them after only 3 months and gladly paid the penalty to get out of the deal. Absolute worst company I’ve ever worked with. They didn’t even add the mortgage protection life insurance that I requested up front so they tried to suck me in after the fact with yet another payment. If you are thinking of uses these guys as a mortgage company you are crazy.

I want to share my experience with Manulife regarding mortgage protection insurance premiums that continued being withdrawn long after my mortgage was paid off in June 2022.

Here’s what happened:
• From June 2022 to March 2025, Manulife withdrew roughly $50/month from my account, totaling approximately $1,600, without any notice. I only discovered these withdrawals in March 2025 while reviewing my statements.
• When I contacted Manulife, they initially offered a 6-month refund, despite the fact that 33 months of premiums had been collected after the mortgage ended. I provided all documentation proving the mortgage was fully paid.
• After multiple follow-ups, they claimed that only 24 months could be refunded and that the matter needed supervisor review—despite this issue dragging on for over six months.
• I submitted a formal complaint and a follow-up email, and received no response.

How this could have been handled better:
1. Automatic cessation of premiums: Manulife should have had internal checks to stop insurance withdrawals as soon as the mortgage was paid off.
2. Proactive communication: If the system continued withdrawals, Manulife could have contacted me immediately to explain and resolve the issue.
3. Reasonable resolution: Upon discovering the error, they could have offered a full refund of all premiums withdrawn after the mortgage ended, instead of partial refunds and unnecessary delays.
4. Clear escalation process: Supervisor review should have been immediate, not after six months of waiting.

It’s frustrating to see a company continue to take money for services that are no longer required, offer inadequate solutions, and ignore complaints for months. Mortgage brokers and customers, beware: this kind of unethical behavior appears to be tolerated.