Beneva Reviews 

*1-star review — Beneva (formerly SSQ)*
If you want a masterclass in bureaucratic stonewalling, use Beneva for your short-term disability claim. I'm trying to arrange a gradual return to work — something my previous insurer, Sunlife, handled efficiently by working directly with HR. Beneva has turned the same process into an obstacle course.

I was told to get a letter from my doctor outlining a gradual return-to-work schedule. I did exactly that, in writing, as instructed. Denied. The reason given: "additional information required," with zero explanation of what was actually missing.

So now I get to book another doctor's appointment, pay another fee, and lose more time, all because Beneva can't be bothered to say what they actually need. This isn't a paperwork issue — it's a pattern. Ask for something specific, get told it's insufficient, with no specifics on why. It feels less like a claims process and more like a war of attrition designed to make people give up or run out of money before their claim gets approved.

Beneva is now Canada's largest insurer, having absorbed SSQ and multiple civic employer plans, so this isn't a fringe experience — it's what a huge number of policyholders can expect. If you're dealing with them, document everything, demand specifics in writing every time, and don't expect this to be fast or easy.

Cette compagnie vole ses clients. elle vous demande de payer une soumission d'un an pour une habitation et puis ils changent des choses dans votre portail sans vous avertir et puis vous annule illegalement votre police d'assurance parce eux ils ont decider que ca coutais 4000$ de plus sans me prevenir et puis decide de me couper mes assurances et de ne pas me rembourser le montant de 4300$ initiale. ceci n'en restera pas la je vous en assure. RESTER LOIN DE BENEVA ILS SONT DES ARNAQUEUR DE PREMIER PLAN NE LEUR FAITES PAS CONFIANCE.

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

Après avoir quitté le Québec pendant cinq ans pour une mission professionnelle en Europe, je suis revenu m'établir au Québec. Comme tout le monde, j'ai acheté une voiture et j'ai demandé une soumission chez Beneva.

À ma grande surprise, Beneva a refusé de m'assurer, simplement parce que je n'avais pas eu d'assurance automobile au Québec pendant cette période, alors que cette interruption était due à mon expatriation. Selon eux, je n'étais pas admissible à une assurance chez eux.

J'avoue avoir été choqué par ce manque de compréhension et de flexibilité envers un Québécois qui revient s'établir dans la province après avoir travaillé à l'étranger. Cette politique me semble complètement déconnectée de la réalité.

Résultat : Beneva a perdu un client, non seulement pour l'assurance automobile, mais également pour l'assurance habitation. Je me suis finalement assuré chez Desjardins, qui m'a offert un meilleur tarif et, surtout, un bien meilleur service.

Je déconseille fortement Beneva à toute personne qui recherche un assureur capable d'évaluer une situation avec professionnalisme et bon jugement. Mon expérience a été très décevante.

Après 2 heures d'attente sur la ligne, on me FLUSH... Très très bon service... Votre appelle est important pour nous.... Bien oui 😂

J’ai eu recours aux services d’assistance de Beneva lors d’un voyage. Le processus de réclamation est tout sauf clair, j’ai attendu parfois jusqu’à 1h au téléphone sans avoir personne qui me réponde, une employée m’a mise en attente pendant une trentaine de minutes et n’est jamais revenue au téléphone. Bref, on m’a dit que tout allait être correct, que Beneva et la clinique sur place allaient s’arranger entre eux, finalement, deux semaines plus tard, je reçois un courriel comme quoi ce n’est pas le cas. Je rappelle, toujours personne qui me répond après 1h. Je n’ai jamais vu ça, c’est le pire service client. On ne vous dit vous en êtes où dans la file d’attente au téléphone et il n’y a pas de service de rappel.

Lorsqu'on appel, 18 choix de menu, au bout de 10 minutes impossible de parler a un représentant

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.

France Deschamps, experte en sinistre, mérite une ovation tellement elle a été efficace dans le règlement d'un dossier sinistre pour un de nos copropriétaires. Merci madame, grâce à vous, notre confiance en Bénévole reste durable!

Hier ma moto est tombé en panne..du coup je téléphone l'assistance routière inclus dans mon contrat d'assurance avec Beneva..L'agent me demande où je veux que ma moto soit déposé..Je lui répond chez moi..Il me dit que ca va me coûter 300$ et 0$ si je la déposé au garage..des garages Harley davidson y'en a pas plein et sont fermé les week-end..pas très chaude à l'idée de la laisser sans surveillance chez harley-davidson boul.Taschereau pendant presque 2jours je lui dit bin si jme la fait voller jsuis assuré..il me répond que non je serais responsable..on paye pourquoi alors? Si je sors d'un centre d'achat ou restaurant et que ma moto est volée, jsuis pas assuré ? Bravo Beneva pour votre excellent service..!!!!

La formation des agents serait nécessaire et obligatoire pour informer aux clients de gros erreur qui se produit au contra pour certaine protection et par le fais même pas couvert.

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

Mise a jour complet de mon dossier ass. Habitation ce matin 19 mai 26. J ai été servi pas Ifzal Maken. Certains employés devrait prendre exemple sur lui. Peut importe le domaine d' entreprise.Appel téléphonique très agréable. Service professionnel dans la bonne humeur et l humour. Il a vu a mes intérêt. J espère que si un jour j ai besoin de réclamer, ce sera le même service. Merci Ifzal pour ton bon service client. 👍👍

Cette compagnie se prétend humaine avec «  du bon monde » La vérité est que c’est juste une autre compagnie semblable aux autres autres des formulaires et des critères pour dire « au revoir » et « bonsoir » …

That is one of the

Très mauvais service lors d'une réclamation. Ils ont tout fait pour ne pas payer.