Manulife Financial

Worst insurance company, they took my money and didn't honour my trip cancellation policy thus losing over 3000$. Very poor management and turnaround times

Manualife got $40000 from me 25 years ago and when I cashed out I had 50,000. Less than 1% return overall. Very poor money managers.

While in Cuba I fell very ill so ill infact I almost died. I had coverage for emergency fly home, I was visited by the Dr. in Cuba in my hotel room, the Dr. new just how sick I was, I came down with Bronchitis and I have asthma as well, the Dr. gave me a Prednisone shot in the butt to help open my lungs, it didn't work so good, the Dr. came back the next day, and I want everyone to know that the Dr. couldn't speak any English what so ever. The Dr. gave me more pills, Prednisone and conveyed to me and my Husband as best as possible that she recommended that we leave, get on a plane now. I contacted Manulife Cover Me for two days about my grave illness and even they tried to communicate with the Dr but could not, so Dori my staff and I let the agents at Manulife Cover Me know all that was going on with my illness and the emergency that my life was in the agents told me to fly home now, I ask 3 times if the tickets were covered and they replied 3 times yes. Update: I and my party got home. On the plane home because of how sick I was and could breathe I was peeing my pant for three hours, you can't even imagine just how embarrassing/humiliating it was. When I arrived home I went to the Emergency room, they took me right away because of how dire my life was in, by the time I got to emergency I hadn't slept in 52 hours because of having asthma attacks in Cuba. It's been three weeks since I was in the Emergency room and although I'm feeling better, I'm still recovering. When filling out the paperwork to make my claim to Manulife Cover Me, I was shocked to find out they denied me, first because I didn't take a emergency flight type plane home, then when we disputed their findings, I was told today that because Manulife Cover Me at the time of the phone call while I was in Cuba, someone there decided that my health issues wasn't an emergency and that's why they didn't bother mentioning to me that I needed a note from the Cuba Dr. stating that my life was in danger... this is on so many levels disgusting, when Dori my Staff I myself told Manulife Cover Me that I was diagnosed with Bronchitis and had asthma attacks, and yet somehow they didn't think this was life threatening!!! I know what happened!! Manulife Cover Me told Dori and myself to get on a normal plane and not go to the hospital as the Dr wanted, but they wanted me to get home so that they didn't have to pay the Cuba hospital bills, forget about telling me and I quote (get on a plane and hide that your sick because they may not let you a board) they wanted me home to save money, forget that my life is worth something, But then when I got home they shared with me the loopholes, because I didn't get on an emergency plane, 1st loophole, 2nd loophole, the Dr in Cuba didn't send Manulife Cover Me a written statement that I should go home. And to think after speaking with Manulife Cover Me agents on 3 separate calls, not one time did an agent say I needed to get on an emergency plane nore did they ask me for the Doctors written statement saying so.

. I opened an account with them and it has been under review twice without ever being able to use it each time I call it is a different story as to what is going on with it

I was inquiring about why I was declined and how I can change it to an approval and was transferred over 8 times and people transferred me without letting me know and also without giving the next person any information pertaining to my situation! Then when I finally get a response it was to send a letter! ARE YOU SERIOUS?! It is 2019 and I need a quick response and a letter is the only solution. I can't call or email?! This entire company is a joke and seem to be stuck in the 1800s! Wouldn't surprise me if they asked me to send my concerns via carrier pigeon!

Hello,
My account number is XXXXXXXXX.
Unfortunately Manulife bank closed my account in a weird way. I had $ 153 or $ 155 in my account.
For two weeks you did not return the money to me.
***
You have no right to keep my money. Either give my money very urgently or return it to the sender. (CRA)
***

I am waiting for your response.

Everything since the beginning I decided to go with this plan of Follow Me has been "***" or it feels not right. I was lay off and took this Medical Plan "Follow Me" from Manulife and suddenly they took money from my account for an extra month without telling me the circumstances, according to them they act like that: they take the payment of November in September... reason why they take almost three months at the beginning... anyway this could be "Normal" but is the first time I have a personal insurance for this.
Accordingly, claims take about two - three weeks to be processed, but my claims I did in the past took over 4 weeks to arrive. I cancel my policy early on January because I didn't have enough money to pay $157 a month for this extra insurance, but I was covered until February 28, 2019.
On January 31, 2019 sent my first On-Line claim for $320 expense I had for *** mask required for my *** machine that I'm using since 2012, but the it was the end of February and the claim still not arriving, then I called and they told me that on Feb 19 they sent a request of the Medical Prescription support for the *** (Mask do not require prescription, just buy to replace the broken one) but they never told me or sent any notification of this issue to me. I was furious with their lack of responsibility to let me know what was missing from the claim, accordingly to the Manulife rep the letter takes about seven business days... but it was two weeks and no letter arrived.
I sent the email with the file of the prescription for the machine from the Sleep Clinic at the Ottawa Civic Hospital and this is over two weeks and the claim still not processed or approved, despite the CS rep told me that it would take two weeks. Called Today Monday Mar 18 and the agent sent again a claim with my notes... but there is no emails or document to support what he said.
Basically, there are trust issued with this company and they only care about the money and keep it for longer as they can, at the end, they are a "Financial" institution not Insurance.

WE PURCHASED vacation packages including air and hotel and sightseeing of Rome . at the time of purchase the travel agency told us it is 100 percent non refundable and we bought cancellation insurance for amount of around 800.00 . the cost of our packages was around 8000.00 .
two days before departure I got sick and my doctor doesn't let me travel and we call the agency and cancelled our flight .we contact by email to manulife insurance and open the claim that was for August .
they asked for original ticket , invoice , refund invoice , doctor document and all the documents and we sent it to them on August , after 7 month still they didn't give us anything and every time when we are asking them , they said we are working on it . they even contact airline directily and airline confirm for cancellation on time .

I closed my Manulife RRSP Account on Nov 5th/18. I was told my refund would be in the mail, given a Ref # & I would receive it within 10 business days. I called back Nov 22 to inform I had not received the cheque in the mail, I was told to wait a couple more days & if I did not receive it to call back. On Nov 26th I received a letter in the mail dated Nov 7th showing a break down of the account & informing me that a cheque was mailed out separately. to date I have received 3 pieces of mail regarding my manulife account all dated between Nov 6 - 8th, not a single cheque.I called back Nov 26th, the First Rep. I spoke to said she put a stop on the cheque that was sent out in the mail. A New one would be created & sent to me via *** & I would receive it by Thurs.Nov 29th or Fri Nov 30th 2018. I asked for a Tracking #, she said it would take up to 24hrs for everything to be sorted out & to call back Wed (Nov 28th). She gave me a new Ref #. once off the phone I realised she never asked for the physical address as the one on file was a P.O Box. I called back & explained to a new Representative the conversation that just took place, gave the new Ref # & provided the address for the *** delivery. I asked for an email confirmation, never received one.I called Manulife Nov 28 & the male Rep. on the phone informed me that nothing has been done at all basically. There was no *** being sent out. He claimed to have escalated the situation, which after 17 business days of closing the account, i'm still getting the runaround on where the cheque is & what's going on.
I emailed the "Escalated Customer Complaints". A Rep Contacted me Thurs Nov 29 said *** was sent out, but couldn't provide a tracking #. It's now Dec 2 & I have still not recieved my Refund. I closed my account 19 business days ago. Manulife is still giving me the runaround & refusing to give me my refund back.
Product_Or_Service: RRSP
Account_Number: RRSPXXXXX

On July 31st, 2018 my husband and I (***) contacted Manulife to cancel our FLEXCARE insurance policy. I was assured at that time that one month of coverage would be refunded directly into our bank account, within five to ten business days and a letter to that affect would be mailed. We did receive the paper statement, however after waiting the period of time, no monies were issued. We phoned back. A representative informed us that our cancellation had not been initiated and overlooked, and I was subsequently connected to the 'right department'. After an hour on hold, and the identical conversation ten days later, I informed Manulife of my disappointment and asked that they resolve the matter urgently. The *** person said that I would receive an e-mail as to how they would proceed, and the monies would be rushed to me, and the whole matter resolved in a one or two day timeline. It has not been. I informed them that this was the last of my patience, and if the injustice continued in any way that my next step would be to file a complaint with the Revdex.com. Furthermore, an additional payment has now been removed from our account. This type of corporate disorganization leading to ignorance and apathy must not be tolerated. After more than four hours spent on the phone it would be nice to have progress and closure. Thank-you for your help and support in this matter.

I submitted a claim for Psychologist with a psychotherapist assist as the psychotherapist was the original person to treat my family member. Manulife declined my claimed and after calling them and having this investigated they reversed their decision and they paid the amount. I am now going through this again with them 3 months later where they have called the office confirmed the treatment from the Psychologist with the Psychotherapist assist but are now saying there is a loop hole and they will not cover it because my coverage doesn't cover the psychotherapist. I have tried escalating this but am sure I am getting the same person on the phone who sounds like a broken record and is simply reading a script. I feel like they do not understand that we have been through this before and proven treatment. At the rate we are paying for the Psychologist and not being able to get Manulife to cover it we are either going to have to cancel my daughters treatment and risk her mental health or hire a lawyer to fight Manulife for this payment. I am so disappointed. I'm not sure if something has changed with their customer service or not but I have never in all my years had to deal with poor customer service like this from Manulife.

In 1992, I purchased general life insurance under the "Freedom 55 " program in the amount of $50,000.00 death benefit. Due to my young age at purchase, for me it was to be "Freedom 51". Annual payments were to be made every January. The insurance premium was to be paid off at age 51. After that point, small monthly increments back were to occur. In January 2018, after my 52nd birthday in December 2017; I rec'd a payment notice of $55.00 for insurance. Puzzled, I phoned Manulife Insurance. I was advised that this was for an "accidental rider" insurance that had been tacked onto my payments in 2001. I have never asked for or signed to this additional insurance. I have multiple death/accidental/disability insurance programs through my employer that I have had in place since 1994. I would have no need for additional accidental insurance. I advised the customer ser5vice that I would like confirm and clarification in writing to the insurance policies. I have rec'd in writing confirmation that the original purchase policy is paid. The accidental insurance that I never asked for; would be paid off in February 2030 at age 65. I have been paying into an insurance policy for 16 years that I have never asked or signed up for. ***. A small amount of $880.00, but imagine the thousands of unknowing clients that this is occurring to. I would also like to know who the beneficiary is listed for the accidental insurance.
Product_Or_Service: accidental rider insurance