Green Shield Canada Reviews 

Unfortunately, this insensitivecompany is administering my healthcare spending account. I am retired, senior and suffering PTSD from work related issues. On April 1 I submitted a claim. On April 2. I received the nastiest email stating “ YOUR ACCESS TO SUBMIT CLAIMS ONLINE HAS BEEN REMOVED”
It went on to say among other things that “A further audit review of all claims you have submitted online is being completed”
I found this extremely distressing, it was nasty and threatening. It’s not something a healthcare company should tell clients.

When I called, I found out that the truth was they simply wanted the prescription and the receipt for the April 1 claim. But that was not what was stated in the nasty email.
This is not the first time I’ve had untoward and disgusting interactions with this company.

I would suggest that any employer, looking for a healthcare insurance company should run from these terribly inhumane and insensitive people.

the customer service is horrible, I just called them to get information regarding my plan which the company forces us to have this insurance and they talked to me like I insulted them without no respect or whatso ever also their policies and coverage are so bad too.

Can't get a hold of anyone by phone or email. They get paid and you end up having a big bill at your healthcare provider. Insurance in general is a scam the way they do it here in North America.

As a condition of hire my 3 month term was waived. VICTOR did everything they could to drag out the process. And once the cards were in my mail box. I still couldn't use it because all though they were informed I was a diabetic they in my opinion purposely did not tell me that I needed to show them prescriptions proving I am. You can't get anyone to answer the phone. And my companies rep(Anne) is rude and does not display professionalism during correspondence. Ive asked how to submit the prescriptions online and her response made it sound as though I am stupid. Upon attempting to upload the documents there is no specific place to do so. They Also raised my companies premiums by 750 a month with out any email or communication as to why. I definitely do not recommend Victor for personal or group coverage. These people are the personification of indifference and spite. They show that health insurance only exists filor those who dont need it. Which contradicts why they exist in the first place.

The customer service is very bad. I am member for group benifit. Whenever I call the hold time is 40 min+.
I do not understand what is the purpose of phone line then. I finally had to disconnect the line not get myself frustrated. this is my second review for this comapny. so far no improvement. nothing. I have started to hate this company now.

Wait times in the phone are very very long 55min and I gave up.

Emailing them for questions is less than helpful. I personally dont trust their answers as they just deny everything without an explanation. Their coverage booklet severaly lack details.

The most worst provider. Please go somewhere else.

This company is aweful.. Go elsewhere - I pay a premium for my spouse and I going to our h.r dept for them to revisit this carrier. Pathetic

I was a client with GS for about 5 years. First of all they gouged $80/ month for travel and dental coverage which escalated to $100. Nearly all my prescription claims were denied - including while I was traveling and needed to see a dentist - their customer service rep, listened to my issue on the call where I was in severe pain, and still she denied my claim. Later, my prescription medication claim while abroad was denied - are you kidding me? When I called to cancel finally, the rep mentioned that I didn't have the best plan and perhaps I would want to speak to someone about getting a plan with adequate coverage. I asked why GreenShield would not mention that before over the past 5 years - when I was apparently sold an insufficient medical plan at $100 per month? They had nothing to say. Greeshield is negligent and unethical in my opinion - they have gouged $5000 from my account without providing adequate healthcare services nor the compliance to ensure my plan was suitable. Their customer service staff consistently lack empathy and politeness. My recommendation after five years? Shop around. There's better out there - GreenShield is subpar and not worth the exorbitant fees, for shamefully low returns, an inexcusable lack of adequate coverage.

Been trying to get help login to my account for 2 days. on hold for hrs. No agents working there? absolutely horrible service. Accessing account online tot0303ally confusing.

Today was a great day when my call reached customer service provider Jessica. She is a very competent person, a good listener and helped me out with my claim submission. Thank you so much, Jessica, for your kindness and understanding.

Greenshield does not cover HRT! They are obviously using outdated information from the 1990's. Hormone Replacement Therapy is not a discretionary or cosmetic treatment. It is the standard medical therapy for a recognized endocrine disorder: hormone deficiency. My physician prescribed this medication to treat a clinically diagnosed condition, not to improve general wellbeing or comfort.

Untreated hormone deficiency is associated with well-documented medical risks, including:

* Accelerated bone loss and osteoporosis
* Increased cardiovascular disease risk
* Cognitive decline
* Severe vasomotor instability (hot flashes, sleep disruption)
* Genitourinary atrophy and recurrent infections
* Mood and neurological symptoms related to endocrine dysfunction

HRT is the first-line treatment recommended by major medical bodies including:

The North American Menopause Society (NAMS)
The Endocrine Society
The Society of Obstetricians and Gynaecologists of Canada (SOGC)

These organizations recognize hormone therapy as medically necessary treatment for hormone deficiency when prescribed by a physician after clinical evaluation.

To all my fellow women out there - Get LOUD about this. It's unacceptable that this therapy is not covered.

Waited an hour and a half to speak to agent about claim denied unreasonably. Would give zero stars if possible. Not the first time this has happened to me.
This company masquerades as not for profit probably to avoid paying taxes.

Terrible customer service.
I waited over 1.5 hours and was transferred four times, including three times to the wrong department. I had to repeat my issue each time.
The agent insisted a “Prescription Details” section does not exist in the app — even while I was reading it directly from the screen. Instead of checking, she dismissed it outright.
The total call lasted 2 hours and 13 minutes, and my issue was still not resolved.
This call took place on February 9, 2026.

Unfortunately this company cannot provide timely customer service ( had to contact for business reasons). There is a hellaciously long wait for an agent. I am so very very glad that MY insurance company is a real company that provides fast, friendly, efficient, knowledgeable customer service. I would be angry and upset were I to need to use this one. I strongly urge people considering this company to give their heads a shake and find a better one.

Absolutely horrible experience. Benefits booklet would not appear when I clicked on the alleged hotlink. Tried to phone to them. GS asked for my plan number which I spoke twice, the second time slowly and very clearly. Would not recognize the plan. When I pushed 0, the electronic voice said they needed my plan number before I could talk to someone. A real catch 22 designed to make you go away. if I could give a 0 rating I would.

Absolutely terrible! Never had this many issues with an insurance company before. They need referrals for almost everything where other providers don’t - even if they only cover tiny amounts anyways. Providers are not being saved and every claim I submit myself takes 1-2 weeks to process. Can’t get hold of anyone via phone, customer service is non-existent. I have this plan through my college so didn’t have much of a choice but if I had know how terrible this company is, I would have opted out!

This is the worse place we have ever used to buy benefits. They only cover 50% my wife’s diabetes medicine. Every bit of their coverage is worse than every other company. Don’t believe the bs commercials and online adds…..it’s a waste of money!

My co-worker just called Green Shield and had a wonderful experience with the phone operator, Melissa. Good job, Melissa. We are rooting for you. Rock on

I had a serious accident abroad that required urgent surgery and hospitalization. I managed to contact Greenshield promptly and provided all details and documents I could, during an initial call that lasted over two hours. After that, Greenshield repeatedly requested an extensive list of documents that were almost impossible to obtain, especially in English. Despite this, I submitted every receipt and document available.
At no point did Greenshield clearly explain what would be covered after the surgery, such as accommodation, meals, or post surgery care. I was never able to speak directly with my assigned case manager: there was no direct phone number, no direct email, and calls were routed through general lines without results.
After surgery, my doctors explicitly prohibited air travel for at least six weeks and this was communicated to Greenshield. New travel arrangements were needed for my return to Canada, and I asked Greenshield which flight changes (rebooking fees, seat upgrades, etc.) would be eligible for coverage on a 12 hour flight. Instead of addressing these medical restrictions, Greenshield ignored the doctors’ recommendations and simply stated that “we think you can fly now.” This did not reflect any documented medical opinion and, in my view, contradicted their own policies. When I objected to this unsafe suggestion, I immediately received a “Refusal of Repatriation” letter, in which Greenshield terminated my coverage retroactively.
I requested a medical explanation for this decision and continued to submit my expenses, but Greenshield never replied to any of my emails. I received no clear information about what would be covered and what would be denied. Eventually, I had to escalate the matter to the company’s complaints officer and, once I returned to Canada, I provided all documentation again in person. I did not abuse the coverage in any way; I stayed mostly with relatives and did not claim any accommodation costs.
Key concerns from my experience:
• No practical help during a very difficult and confusing time.
• No clear updates on claim status or next steps.
• Inability to reach or speak with the assigned case manager.
• Apparent focus on finding reasons to limit or terminate coverage.
• Questionable medical handling that, in my opinion, put my health at risk and did not align with standard medical protocols.
On the positive side, without any explanation or response to my emails, I eventually received a partial reimbursement cheque. About a week later, I unexpectedly received another cheque that appears to cover the remaining approved expenses. I suspect this happened after my complaint to the Greenshield complaints officer and possibly my employer’s involvement.
Final notes for other customers:
• Communicate with Greenshield in writing whenever possible.
• Keep thorough records of all expenses, ideally using credit cards for clear statements.
• Do not hesitate to escalate to higher levels (complaints officer, ombudsman, or relevant regulatory bodies) if you are not getting answers.
I am giving Greenshield 2 stars: one star because, in the end, I did receive full payment for my eligible expenses, and one star out of respect for the medical professionals abroad who treated me with humanity—something I hope Greenshield will strive to show more consistently in situations like mine.