Manulife Reviews 

Worst customer service I've ever experienced, I have received very different information by the different agents I've talked to and because of it I've lost over 100$. Please never go with Manuvie.

When you pay for the policy, everything is smooth and happy. When you are getting your money back after 5 years of investing, you need to sign a lot of paperwork and deal with their incompetent customer service. It’s as if they do not want to give your money back.

Talk with several people since the 6th of March 2026 about coverage for upper denture. First time talked with agent and was told yes I have coverage and to submit an estimate which dentist did. Was rejected because no coverage. Talk with other agents and they all said yes you have coverage. Dentist called and was told yes I havecoverage but used it three years ago which is not true in anyway. Talked with supervisor March 17 2026 and was told she would call me back March 18 2026. I called back on April 10th 2026 and ask to speak with her and she said it was her fault because she did not put it in her calendar. Also on the April 10 2026 the agent again told me the answer was pretty simple,"yes you have denture coverage". Been wait three weeks for a call back. She didn't call back as promised. During this time I have had a broken front tooth waiting to be replaced. Depending on who I spoke with I am either approved or not approved. To this day I still don't know if I am approved or not approved. Advice would be stay away from this company. Bad bad experience. 1 star is to high.

When they set up my mortgage they deliberately stopped the auto withdrawal 15 months early so they could take the payments from my line of credit thus charging me much higher interest. I was never informed of any of this and when I finally found out about it they offered no correction whatsoever. These people are nothing but thieves,

Edit: I want to update this review. I have had contact with one of their representatives and they have made things right. There was a misunderstanding from the getgo and I'm glad to see them respond in this positive manner

Horrible experience with these guys. Had to keep resending documents to them. They wouldn't email me back, or call within 24-48 hours like they said they would. Kept me on the hook for 3 months.

My dad passed away in 2013, and he was the plan member for group benefits through Manulife. Mom was 78 when Dad passed and had been submitting claims before Dad's death. They have admitted she (and I, trying to assist her) has received lousy service, and they made several mistakes. Their remedy is to say sorry and they've taken action so that what we've encountered won't happen to others. They are willing to consider bending the rules when it comes to paying legitimate claims, but they 'cannot guarantee that they will'. This is just a few of what they've done wrong:
- Customer service told us repeatedly that survivors are entitled to receive a benefit booklet and cannot submit claims online - they've since corrected themselves
- On three separate occasions, customer service took information I gave them to update her address. On each attempt, the customer service person would confirm 'it's done' and a year later when I'd call on a new matter they told me the address had not been updated. No one ever contacted us to say the change didn't go through - that has made getting mail impossible.
- Mom had submitted claims before dad's death and they were paid. The first claims she submitted after his death were denied - they told her that the plan had been cancelled. What did happen was that they made an error when converting mom to be the plan holder.
- Mom stopped sending claims for healthcare expenses but for whatever reason her dentist was able to process claims (paid to them) after they were initially declined. Manulife's position is that because Mom knew the dental claims were being paid, she should have know that the health benefit would be paid as well. That's a lousy bit of ducking responsibility. So now, she has 12 years worth of expenses that should have been covered and Manulife is doing their best to duck this responsibility. Note that these claims don't amount to anything more that say $500/year
- Mom doesn't have much vision left and she can no longer put her eye drops in herself. The nursing staff at her retirement home's medical office does this for her. Manulife says that someone of lesser skill can do this so they won't pay. Ontario Health at Home won't let their PSW's administer eye drops, but Manulife knows better (or so they say).
- Calling customer service is a nightmare. The front-line folks are off-shore and they aren't too bad actually - they just have no authority. I was told to be patient on an issue and when they said the back office will look after it 'soon', I asked for a date. I was put on hold and the back office told the off-shore customer service to tell me to go away. When you escalate to the complaints dept, you get an email signed by someone but no contact info. Eventually someone calls that's been assigned to your case and they write you a lovely email - again, there is no way to reply - the email is blocked, it shows as salesforce.com but there is a phone number. When you call it, you're given 3 options - if you know the extension # (which you aren't given) you can enter it. If you do have it, know that the extension is a vmail box and you can't actually reach them. You can also push a # to have someone help you and that too goes into a voicemail box. The third option take you back out to customer service. Once you do connect with a person assigned to your case they can call you, you can't call them but you can send them an email as long as it's a reply to one they have sent. (How did they make all this up?)
I'm now working with a 'senior' complaints officer and while she is quite professional it's clear she has no authority, so all you get are non-guaranteed promises and a non-transparent dialogue.
I have more, but I need a nap now.

It is surprising that they never claimed their title here and acknowledged the negative comments.
The advertising on the TV clearly say that they cover medication for allergies but we are paying a lot every month and they refused to cover the allergy medication, this is outraging to see they cannot afford to lose $40 when the coverage is not that cheap. They should be sued for false representation.

Hi,

I wanted an Orthotics sole for my wife and they made our life so difficult to claim. Initially Manulife wanted Dr's note, then the payment receipt and now the sole measurement. They are such a crooked company and are there only for the Premiums. When it is time for them to pay, manulife makes it so difficult to claim. Most of the Dentists, service providers do not process Manulife Insurance. The worst.

My wife and I just came back from our vacation. On the return trip our luggage was damaged. Before leaving we purchased Manulife travel insurance as well as baggage insurance. Open returning home we put in a claim and got nothing but a run around. They may print it on paper but do not believe what they are saying. We have used this company for a number of years but this is the last . I suggest to anyone traveling to find a different company then Manulife. They will take your money with no problem but do not try to put a claim in . They are crooks .

I wish i can give -1 reviews
All I can say that they are money grabbers and worst customer service

I’m extremely disappointed with my mom’s experience dealing with Manulife.

She has paid into her benefits for years through her employer, and after my dad passed away a few months ago, she applied for short-term disability. Anyone can understand that going back to work immediately after something that devastating isn’t realistic.

Her claim was denied due to “insufficient evidence,” even though she provided handwritten notes from her doctor, her employer, and a counsellor. She was also told by a Manulife representative to seek counselling, which she did — attending multiple sessions with a grief counsellor — but those visits weren’t even covered because it wasn’t with a psychologist.

Despite following their guidance and providing supporting documentation, she was still denied and is now forced to go through an appeal process during an already incredibly difficult time.

This experience has been extremely frustrating. Based on this, I would not choose to go through Manulife in the future.

My family has had their health benefits for over 30 years. We submitted a claim for my elderly father for homecare 6 months ago and followed all policy procedures and limits. The only previous claims submitted have been for very small amounts(physiotherapy, dental).This company will avoid paying claims at all cost. I have called 8 times and sent numerous emails. Each time you call you receive a different person who responds “ I’m not sure why this happened and I will get back to you.” They do not get back to you and when you email they have responded about 1 week later with we will look into this. They have even emailed back requesting confirmation of my father’s name who is the listed insured and they have all the paper work including doctors form. They grasps at straws to avoid payment. They eventually deposited about 25% of what they owe us without any explanation as to why the full amount was not paid. They will also not refund the annual premium which was charged on my father’s credit card 5 months before the renewal date. My father was in this business for many years himself and has a very good understanding of the process. Unfortunately we have had to put this in the hands of our lawyer as this appears to be a fraudulent company.

On March 18, 2026, I spoke to Annie I., Customer Service Rep, Group Savings and Retirement Solutions. She helped me in a way that your other reps, from various departments could not, during a period of 5 months - they just kept transferring me from one department to the next - VERY DISAPPOINTING! .

I appreciate the professionalism, courtesy and patience of Annie and I do hope you will understand and appreciate her value. You should give people like her monetary rewards, instead of just saying "Thank you," because Respect, appreciation and ...Money Talks!

Stay away from their banking and their credit cards. Service is horrible. One needs a vacation to get someone to pick up a call, their website is unfriendly, hard to navigate impenetrable fortress, they do not provide online statements as well as paper statements. It has to be one or the other. In a case of postal strike there is no way to get a statement, one has to figure out from transactions how much is owned. Just stay away from that horrible company to save yourself lots of headaches.

I give 1 star just because I can not give CERO. Worse insurance company ever.

Do not have any product with them . Banking or insurance. They will just eat your money

Terrible customer service. They actually told me they refuse to clarify a question so I could properly answer it. And when I complained that their service was lacking and they didn't call people back and had no integrity in their responses, I was denied purchasing their insurance. I didn't get a rate change they just denied me. I'm thrilled because I would never apply with them after reading more reviews. I was semi forced since my workplace uses them. Save yourself time and money and look somewhere else. They have no care or consideration or clue what they are doing.

My husband and I could not get into his Rrif via their website. The call back was an arrogant young man who I do believe he thought .....As it turned out he actually had to unlock something for us to get in. No apology for his arroagance. Sadly it was through his previous employer that it was with that company.

They took over 3 months to assess a Short Term Disability request and finally refused the claim over a ridiculous conclusion.

We are unfortunately forced to be members of Manulife Insurance. As a retiree who lives out of Canada, Manulife's processes are designed to make accessing benefits as difficult as possible. They do not accept local codes for procedures like dental. They constantly change what is needed. They lose claims. My average number of contacts to recover my funds is 5-6 contacts. I have stopped using o send them things as they repeatedly claim the claims were not received. Online submission defaults to Canada and necessitates sending an email. Manulife has been "getting more calls than normal" for six years now. If you are that busy, hire some additional staff to deal with the phones. Lastly, and yes-I recognise this is a petty gripe, but the hold music is infantile and played at such volume so as to make waiting on hold as unpleasant as possible...though that may be the point.