OLHI, GIO, and Canada's provincial regulators give you free, independent avenues to challenge any insurance denial — health, disability, life, or property.
Start My Free Appeal →These are the bodies that protect your rights as a policyholder in Canada.
Free, independent dispute resolution service for life and health insurance consumers across Canada. OLHI reviews complaints after your insurer's internal process is complete and can recommend settlements up to $1 million.
Visit website →Handles complaints about property, auto, and casualty insurance. GIO provides free, impartial dispute resolution and can make non-binding recommendations to resolve your dispute with a general insurer.
Visit website →Federal prudential regulator for federally incorporated insurers and banks. OSFI does not resolve individual consumer complaints but sets conduct standards and supervises insurer solvency.
Visit website →Insurance in Canada is also regulated provincially. FSRA (Ontario), AMF (Québec), and BCFSA (BC) handle complaints about insurers licensed in their province and can take enforcement action.
Visit website →Canada's insurance framework is one of the most consumer-friendly in the world, with free dispute resolution at every level.
Under the Canadian Insurance Act framework, you are entitled to a written denial that explains the specific policy exclusion or reason the claim was rejected. Vague denials can be challenged.
OLHI provides free review of life and health insurance disputes. If your insurer's internal process (typically 30–90 days) fails to resolve your complaint, OLHI can review and recommend a fair outcome.
Provincial human rights codes may protect against discriminatory denials based on disability, sex, or other protected grounds — particularly for disability insurance, LTD, or critical illness claims.
If your long-term disability (LTD) claim was denied, you have the right to a full written review, access to your claims file, and the ability to submit new medical evidence during the appeal.
In-depth articles to help you navigate your Canadian insurance dispute.
Canadian dental insurer denied your claim? From preauthorization refusals to post-treatment denials, here's how to fight back.
Read guide →Canadian health insurer denied your claim as a pre-existing condition? Stability clauses are frequently misapplied. Here's how to appeal.
Read guide →Life insurance claim denied in Canada? Whether it's a contestability period dispute or a policy exclusion, beneficiaries have clear appeal rights.
Read guide →Your Canadian LTD insurer denied your long-term disability claim? LTD denials are common but frequently overturned. Here's what to do.
Read guide →Canadian travel insurer denied your overseas medical claim? Pre-existing condition exclusions are the #1 reason — and often applied incorrectly. Here's how to appeal.
Read guide →Desjardins denied your health, life, or disability insurance claim in Canada? Here's how to challenge the denial through Desjardins and the OLHI.
Read guide →Insurance claim denied in Toronto? Here's where Toronto residents can get free help appealing health, disability, dental, or life insurance denials.
Read guide →Manulife denied your group health or individual health claim in Canada? Here's how to appeal through Manulife's process and the OLHI.
Read guide →Sun Life denied your health, dental, or disability insurance claim in Canada? Here's how to challenge the denial through Sun Life's process and the OLHI.
Read guide →Long-term disability claim denied in Canada? Learn how Sun Life, Manulife, and Canada Life LTD denials work, the own-occupation definition change, and OLHI appeal rights.
Read guide →Drug plan coverage denied in Canada? Learn how to appeal ODB, BC PharmaCare, RAMQ, and employer drug plan denials with special authorization and OLHI rights.
Read guide →Manulife dental insurance denied in Canada? Learn how to appeal Manulife group dental benefit denials, predetermination requirements, and the OLHI complaint process.
Read guide →Physiotherapy insurance denied in Canada? Learn how employer group benefits work, annual limits, provincial coverage gaps, and how to appeal your denial.
Read guide →Sun Life dental insurance denied in Canada? Learn how to appeal Sun Life group dental benefit denials, challenge frequency limits, and escalate to OLHI.
Read guide →Canadian travel health insurance denied? Learn how pre-existing stability clauses, provincial health absence rules, and snowbird policy denials work — and how to appeal.
Read guide →Cancer treatment denied in Canada? Learn provincial formulary rights, private insurer appeals, Cancer Care Ontario resources, and how to escalate your denial.
Read guide →Chronic pain treatment denied in Canada? Learn provincial coverage gaps, private insurer CBT denials, Insurance Bureau of Canada options, and Canadian Pain Society resources.
Read guide →Mental health treatment denied in Canada? Learn about employer benefit plan appeals, provincial ombudsman options, Insurance Bureau of Canada, and CAMH resources.
Read guide →Travel insurance denied in Canada? Understand provincial regulators, Manulife, TuGo, and Allianz denials — and how to appeal your claim.
Read guide →Denied a health or insurance claim in Canada? Know your rights under provincial health plans, OmbudService for Life & Health Insurance (OLHI), and the General Insurance OmbudService (GIO). Free guides.
Read guide →Private health insurance denied in Montreal, Quebec? Know your rights under the AMF and how to appeal your denied claim in French or English.
Read guide →Private health insurance denied in Vancouver, BC? Know your rights under the BCFSA and how to appeal your denied claim through OLHI or BCFSA.
Read guide →Blue Cross Canada denied your health, dental, or travel insurance claim? Learn how to challenge the decision through Blue Cross's appeal process and the OLHI.
Read guide →Canadian critical illness insurance claim denied? Learn why CI claims are refused, your appeal rights, and how to escalate to the OmbudService for Life & Health Insurance.
Read guide →Employer-sponsored extended health benefits denied in Canada? Learn how to appeal group health plan denials through your insurer, the GIO, and provincial regulators.
Read guide →Canadian home insurance claim denied? Learn why home and property insurance claims are refused, your provincial rights, and how to appeal through the GIO and provincial regulators.
Read guide →Complete guide to appealing insurance claim denials in Canada via OLHI, provincial regulators, and internal appeals.
Read guide →Canada Life (formerly Great-West Life) denied your insurance claim? Learn how to appeal Canada Life denials for group benefits, disability, paramedical services, and health claims through internal appeals, OLHI, and provincial regulators.
Read guide →Guide to appealing a Canada Life prescription drug claim denial, including formulary disputes, prior authorization, and OLHI escalation in Canada.
Read guide →Canadian health insurer or employer plan denied your mental health benefits? Learn your rights and how to challenge the denial through OLHI, GIO, and provincial regulators.
Read guide →Provincial health insurance denied your medical claim in Canada? Learn how to appeal OHIP, MSP, RAMQ, AHCIP, and other provincial plan decisions through formal review processes.
Read guide →Canadian travel insurance claim denied? Learn the common reasons travel claims are refused, your appeal rights under OLHI and AFCA, and how to build a strong case.
Read guide →Learn how to use the OmbudService for Life & Health Insurance (OLHI) in Canada to resolve life insurance, health insurance, disability, and critical illness claim disputes.
Read guide →Sun Life Canada denied your health, disability, critical illness, or life insurance claim? Learn how to appeal through Sun Life's process and escalate to the OLHI.
Read guide →If your health insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your life insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your disability insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your property and home insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your auto insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your travel insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your dental insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your mental health insurance claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →If your workers' compensation claim was denied in Canada, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how OSFI + Provincial Regulators protects you.
Read guide →Guide to appealing a denied Sun Life Financial insurance claim in Canada. Covers group benefits, individual life and health claims, the Sun Life appeal process, provincial regulators, and the OLHI ombudservice.
Read guide →Manulife is Canada's largest insurance company. If your health, disability, or life insurance claim has been denied, you have formal rights to appeal under provincial and federal regulations.
Read guide →Private health insurance claim denied in Canada? Learn your provincial rights, how to appeal supplemental plan denials, and how to use OLHI for free dispute resolution.
Read guide →Great-West Life, now operating as Canada Life, is one of Canada's largest group benefits insurers. Learn how to appeal a denied claim and escalate to OLHI for resolution.
Read guide →Winnipeg-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Guide to appealing a Green Shield Canada (GSC) health benefits claim denial, including OLHI escalation, provincial regulators, and your rights in Canada.
Read guide →Saskatoon-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Quebec City-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Ottawa-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Halifax-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Edmonton-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Calgary-specific guide to appealing denied insurance claims. Learn your provincial rights, local resources, and how to fight back against your insurer.
Read guide →Blue Cross denied your insurance claim in Canada? Learn how to appeal Blue Cross denials for travel insurance, supplementary health, dental, and drug coverage through internal appeals, OLHI, and provincial regulators.
Read guide →Start your free appeal — ClaimBack knows Canadian insurance regulations inside and out.
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