Beneva Reviews 

Worst piece of shit Insurance I ever had in my life , they cancelled my policy the day after I purchased my new vehicle for no reason saying it was cause my credit score , never even informed me it was cancelled until 3 weeks later so I then got a new insurance while they kept charging me every month even though the policy was clearly cancelled and I was told it would be like it never existed and I would owe anything since I was only insured for not even a full day. Lawyer is now involved I will be sueing for breach of contract and bad faith. There is a reason this insurance has 1 star review

They over charge and barely cover anything !! I hate that my job is insured with them and if you can , avoid this company at all cost

In February 2026 I booked a two week Caribbean cruise on the Sun Princess. While on the cruise I became quite ill and required medical treatment on the ship. The total cost of the treatment was slightly over $2500 US dollars. The symptoms of my illness were vomiting, loss of appetite, and general weakness. Due to the fact that I have a serious heart condition I decided to leave the cruise after the first leg of the voyage and return home. Once back in Edmonton I contacted the Alberta Retired Teachers’ Association and arranged an interview with a Beneva Insurance representative. At that meeting I presented credit card printouts as proof of my extra travel expenses and in addition a highly detailed copy of the medical treatment I had received on board the ship as well as the cost of the treatment. Unfortunately, Beneva completely ignored my medical expenses and rejected my extra travel expenses, claiming that credit card printouts were not sufficient evidence. When I contacted Beneva and inquired as to why the medical claims had been ignored I was told I would have to resubmit my entire claim, even though the information they now required was already in their possession.

I have now been to ARTA’s offices three times and have filled out multiple forms requesting information I had previously supplied. I was assured after my last visit that my claim would be speedily dealt with. Instead I received another email requesting proof of departure and ignoring the detailed and dated summary of my medical expenses on the ship.

In short, Beneva’s efforts in dealing with my claim have been highly unsatisfactory. In fact the company seems to have gone out of its way to make the claiming process as difficult and drawn out as possible. I very strongly suspect that the company is hoping that these delaying tactics will simply wear me down and result in my dropping my claim. Given the fact that I have spent thousands of dollars for emergency travel insurance from Beneva, that is not going to happen. However, I now suspect that no matter what documents I provide Beneva will try to find some way out of its legal obligations. I am sending copies of this email to multiple parties so that others will know of the poor quality of service provided by Beneva.

Tried to insure a secondhand motorcycle but they said because I had put a down payment on it that counted as a gap in insurance and they couldn't insure me unless I also bought home or auto insurance. Told them to pound sand and got insured by Intact via Panda7 in like 15 minutes.

Horrible experience! incompetent very expensive services.
They don't even have a contact email for the company itself!
Save your time and money.

I have been on long term disability since July 2024 because I had Breast Cancer. Beneva agreed to pay me for a progressive back to work plan. I starter working Fev 4th 2026 but had to stop March 2nd 2026 because I was schedule for another Mastectomy and Breast reconstruction at the same time. My operation was March 6th 2026. I am still in a lot of pain now Benevea said that they will not longer be paying me as of July 4th which means they will no longer honor what they previously said they would and that is pay for my progressive back to work plan.
I have been working at the same place since June 2013. I only had to stop working because I got Breast Cancer now I have to try to fight Beneva so that I can have enough money which isnt enough money to begin with because they give me 70% of my salary to live. I have been through enough.
They take so long to answer the phone. One time I waited over 1 hour on the phone only to be transfered to a person's mailbox. It was unfortunate however I was unable to leave them a message because their box was full.
It looks like I might just have to take them to small claims court even which is crazy. They don't want to pay me the difference. If I would of postponed my operation they would of terminated my benefits. Because I had my operation I am now beinf penalized.

Honestly avoid at all costs. Inventing numbers

That is one of the

Low Initial quote to get me to sign, Had to pay complete amount upfront or pay a fee or interest. Also had them tell me after signing that a tag was needed on a low end ram truck. Not to mention crappy app harrassment and technical issues galore for android

The company has no knowledge in electric vehicles. The client is the guinee pig for them . You pay for a new car that you dont have and pay for insurance for a car you don't have and insurance pays to get the steering rack fix and then reThe company has no knowledge of electric vehicles. The client is the guinea pig for them. You pay for a new car that you don't have and pay for insurance for a car you don't have, and insurance pays to get the steering rack fixed and when the car is up in the air they see that battery needs replacement.

Beneva is the current company that underwrites/manages my two insurance policies. Previously it was La Capitale and originally it was PennCorp. I have had two policies for over 15 years. I had a very positive opinion of PennCorp and my agent, who has since retired.
Lately I've wanted to speak with a financial advisor. I have called half a dozen times, left messages and spoken with numerous front line workers. I have received ZERO calls back from anyone..I would NOT recommend Beneva to anyone looking for insurance or investment products.

I had auto and tenant’s insurance with Beneva and was initially satisfied with their service. When I purchased my home, I chose to keep my policies with them, expecting the transition to be straightforward. I informed my broker about the purchase, yet I later discovered that I still needed to cancel my tenant’s insurance myself. While I understand that I share responsibility for verifying these changes, the response I received — simply directing me to contact customer service — felt dismissive and lacking accountability. Given the importance of support and communication in insurance matters, this experience ultimately led me to move my policies to another company.

Worse company ever Beneva for group insurance ( La Capital, SSQ combined to form Beneva) . Wait time on phone for service, not available online, is an average 1 hour and up to 2 hours to reach someone to talk with. They also put you on hold to get back to you 20 minutes to 1 hour later on hold to get back to you after you first waited an hour or more. They also sometimes after holding on the line 1 hour or more , they just hang up your call, so you need to call back and wait again between 45 minutes to 2 hours. Once I waited 3 hours on a call just so someone can just listen to what I needed for them to do. To get a detailed report for income taxes is extra cost of $50 each "detailed" report. Crazy company how it serves it's customers and charges you. Obviously a strong financial company because they are greedy to take money in only, and treat their customers with little employees to answer the phone. Hire more "experienced customer service representatives and technicians" to answer calls Beneva !

Worse company ever do not go with Beneva even if is the lower price you find. When it’s time to payoff for a claim they will find whatever they can for not paying you. My car got stolen and I got nothing and I had to pay’s 3000$ for the rental car. Really bad company.

Don’t stop ping call, I got one call from 844 781-6460 everyday, Even if I have no product with them, and no quote

My mom is in critical condition in Mexico and this insurance company has delayed her travel home putting her at significant risk. Even with the help our Neurosurgeon in Canada this insurance company still not approving her travel back home. Please do not rely on them for travel insurance. They are incapable of communicating with the facility in Mexico and our family has had to facilitate the communication for the insurance company creating significant stress and time delays for my mom treatment.

I received a quote from Mr Wong for 2 cars with a price of 129,17 $ /mth and the next day I decided to activate the policy , another rep took over the file, and
the rate went up to over 200$/mth. Beneva is dishonest . I suggst they honor the price and learn the laws (legis quebec) Article 219 and 224 .
Aucun commerçant, fabricant ou publicitaire ne peut, par quelque moyen que ce soit, faire une représentation fausse ou trompeuse à un client et c) exiger pour un bien ou un service un prix supérieur à celui qui est annoncé.

I waited 3 hours in minus 30 degrees for their towing truck to arrive but nobody showed up! I'm very disappointed.

Worst Customer Service I ever encounter in my whole life, my car been in the shop for repair since October and it’s not been fixed properly. I contacted Beneva over 12 times left seven voice messages sent an email to customer service and I have no return on any of that yet.

Our company Videotron cares more about profit than the people who work for them. When Videotron purchased Freedom they switched our company benefits from Sunlife which was 100%
to Beneva 80% horrible customer service
All to save money. Now you know why why you get poor service from Freedom.