Alliance pour la Santé Etudiante Au Québec Review

A real scam! My CEGEP forced me to pay $ 80 for this insurance that I did not even want. I unregistered the insurance and 5 months later they still have not refunded my $ 80.

Always have to run after your money. Bad customer service. we have to call a million time to get our money back

Used couple times over last years semester and this year now, called for clarification on documents, friendly and helpful. Lately used their online services, simple to use.

Didn't think i needed insurance but happy i have it now. easy to use online services for my claim.

I do not understand completely the negative comments here and I am a critical, negative person! It is not the easiest system, I agree, but it is all online, at least! Yes, they take longer sometimes to answer emails (and I am an email person, so not ideal), but I always had good phone service. During summer 2020, no, they were not available and it was frustrating, but nor is Manulife, my work insurance, responsive these days, so something is going on with work from home and covid (beyond their control). My bank, too, is slow to answer, which is new. Also, my doctor complained that his secretaries were slow or making mistakes - so it is a global thing? We do not live in the best times of our lives, do we? Anyway, I withdrew from my insurance coverage on the site of my school (UdeM). Can you not go through the site of your school? Also, they do not themselves process the claims, but it is Desjardins, so they are an intermediary and they depend on these Desjardins people who are slower to answer and sometimes make mistakes in my claims... I am more frustrated with Desjardins than I am with them LOL but I am taking a chill pill and accept that it is an unusual time...

An insurance that you must pay WITHOUT YOU ASKING FOR ANYTHING. To cancel it, you must carefully read the terms otherwise .... ASEQ your money. It is only after paying your UQAM bill that you will be able to obtain a reimbursement for this compulsory insurance. I call this a loan to Desjardins WITHOUT interest. I do not understand that UQAM can be complicit in this dishonest practice. It has a blatant and filthy lack of transparency.

Be careful, they lose the claims. You must redo them in such a case. Keep your documents in case. The customer service is of unequaled incompetence.

Fraudulent company that makes money on the backs of students, LEAVE

Poor service ! On an invoice for $ 1,614, they refunded 59.60, a real joke! For having paid for so many years and never having asked to be reimbursed p q I had other insurance. Wow!

A completely disastrous business, to be avoided completely !! Employees are unreliable and most are incompetent. Settle your things yourself with Desjardins, because they can do nothing for you.

One of the worst customer service experiences I have ever experienced. The agents are very nice but very poorly trained, the managers do not remind us at our request. When will universities change providers and respect their students?

Worst experience lived. They take 4-6 months to reimburse you if you have private insurance. The icing on the cake, they charge you $ 10 more to send you a check (your own money !!!). They are supposed to be present for the students ... !!! not sure

HIGHLY RECOMMENDED!

Pay attention!! This insurance is not the first one to pay for DRUGS apart from contraceptives and antidepressants. This means that you MUST (since 2016) MUST insure yourself with another insurance for medicines. If you are not, REVENU QUEBEC will charge you for a service you have not even had! In addition they hide the insurance costs in the school costs, so we register without real consent.

Very bad service. I have more advantageous insurance with my spouse who is a soldier. For several years, I have been withdrawing insurance from ASEQ each fall session. Last fall, I forgot. It cost me $ 150 and I accept this error. For the winter session, the fees are now $ 294. There, I try to withdraw the insurance (on time) and I am told that it is impossible because I had to do it in the fall.

I am recommended to request an exceptional withdrawal, which I do. I am preparing a concrete file, making it clear that I accept my fall error (which cost me $ 150), but that I would find disproportionate to have to pay an additional $ 295 in the winter session.

Finally, my exceptional request is answered more than 2 months after its filing (the site indicates a maximum of 1 month) and I am informed by email that it is refused because I had to retire in the fall. But it is precisely for this reason that I made an exceptional request!

Really, we are full of pockets at ASEQ! And in addition, we get rid of student requests by suggesting that they make an exceptional request, knowing that it will be refused.

I always received my repayments on time (5 to 10 days) by fessant my claims via the mobile application + I follow up via Desjardins Insurance. All is correct.

They ignore my messages because they know they gave me false information. I tried to make several complaints but they ignore their complaints (probably too many). They lie to you only to rip you off and have your money for a year (you fall into their trap because the day you realize they've told you lies, it's too late to cancel membership).

Really disappointing. I spoke with several attendants and several gave me false information. One even judged me to speak, telling me that I used too much the expression "in the background", while I explained to him my situation. The staff on the phone is really arrogant, condescending, impatient and he is not trying to help. As long as you do not have questions or complaints a little more complicated, everything is correct, but as soon as you deal with them it becomes big anything.
And no way to make a complaint: no one remembers you or replies to your emails.

This is a scammy business model
ASEQ insurances policy is built in a way to be cancelled difficulty.
It's design in such a way that the student will give up on not getting their money back as it's so complicated to even talk to someone or even cancel your insurance policy that you didn t even asked for.
Automatically added to my University tuitions fees, it's a real mess to get those removed.
They don't answer to my calls, get hang-up by their automatic system or redirected to a voicemail.
Gotta sweat to get your own money back

My god, coming from Switzerland, the thing is not comparable ...

Disastrous service. And sorry to be blunt, but getting ready to have you some incompetent on the phone.
They only understand the monetary language visibly.

Good luck

The worst customer service in the world. The agents we talk to are courteous, but just totally incapable. They do not recognize their errors, and moreover, charge you charges unexplained. Unable to speak to a manager. A real gang of thieves. Do not do business with them. Also, I asked for a paper specifying that I am no longer covered for the health portion (necessary for my other insurance ...) and in return I am given a letter which states that I am well insured with them for the portion dental. However, it seemed to me that my request was simple and did not require a doctorate to understand it. Review your methods, your service is dismal.

ASEQ makes us pay for insurance without ever having signed anything. This amount is hidden in your school billing and it is very difficult to be reimbursed ...

They charge us a fee without being subscribed and they do not work together to fix that kind of situation. This is not very reassuring to be insured with them.

The worst service ever received. They keep saying, there is nothing we can do for you today, madam.

Exhausting! You wait in line to talk to an agent. They do not know 3/4 of the time the answers to your questions. In fact, he knows no more than what is written on the website. I was told today that to get an answer on a covered service or not, I had to wait until October 10 to find out, even though my insurance starts on September 1st and I pay for it. They always want to be sent submissions for what comes out of what is written on the website, do not show initiative, do not understand the names of professions .. in short, must try to fend for themselves without them . And yes, they can be rude and jaded ..

If I could give 0 stars I would do it. I strongly advise against wasting money and time.

Terrible customer service. The explanations given are nonsense. When I tell the attendant that the situation is completely inconsistent and that no insurance company operates in this way ... She replies: "Yeah ... I know ..." nothing more. Insurance (inexpensively) good to supplement an already existing one, otherwise it is simply useless.

It's also good to know that the wait for a refund is simply endless. One day ... you will receive a surprise in the mail ... If you haven't already moved!

Hello, for my part, I also just had a bad experience with this insurance company. Do not hesitate to contact me, if you think that a collective complaint could interest you. For my part, I felt cheated by them who claimed that while I gave my identification and my authorization to the agent in order to proceed with the processing of my request with the dentist's secretary, I had at the same time given up to my right to be informed and that at the same time, I was responsible for the exchanges between them ... I had also asked the latter to tell me if everything was ok before I returned to my care and he did not inform me that there was a code of not accepted. In addition, promises of unfulfilled reminders, deadlines and lack of considerations, they made me responsible for the lack of clarity that there was in the processing of my request and the non-payment that this caused. engendered.

can i give them minus stars. *f service ever. they never respond to you in chat. I'm in UBC, Vancouver. I believe they have a black list for those who they call "trouble-makers" that's why they never respond to you in the chat if they see your name. If you call, I had multiple incidents where they purposefully hang up on me!!! They call themselves StudentCare which doesn't have any reviews whatsoever on google but if you look around you'll end up with the actual name ASEQ. One time, I didn't have coverage for 3 months and I was back and forth with them. They kept telling me wait it will be activated and give me other excuses while in the reality I figured out later that they were doing some *f investigation in the background for *f reasons but eventually got my coverage back. As a poor student, it's been stressful dealing with them let alone stress from school itself :(
They also allow certain services/practitioners to be claimed online while others must be via paper e.g. going to massage therapist at campus my claim goes online right away but if i go to a registered massage therapist downtown and try to process the claim online, it gets rejected and I have to mail it and all that _. This way they force students to use services at campus although we're eligible to go anywhere in the city as long as the person is a registered massage therapist.
For emails, forget about it. You will NEVER EVER EVER hear back. Management has serious problems and must be dealt with because this a rip off and taking extreme advantage of helpless poor students :(

I spoke 2x to the same person, both times it turned out he gave me the wrong information. It's been 3 weeks that I try to have my proof of insurance coverage. Good luck to everyone

I add a comment: I have just spoken to someone else and I have just received new information, such as: I am temporarily not covered by insurance but do not worry, it's because from U.S.

Message left on the voicemail several weeks ago, never a return call ... Two attempts to contact them by phone, without success: more than 3 hours of waiting.

At this time when the biggest government notices for not traveling are in force, the aseq does not want to cover this government notice in its cancellation insurance! if we travel we are not covered and if we do not travel we are not reimbursed by the cancellation insurance. Ridiculous!

Seriously the worst insurance I've ever seen in my life (and I've seen). The customer service is execrable, every time we are put on hold, I wanted to make a complaint and I never had an answer and in addition you can not cancel your coverage from the winter session but you must pay the fees again, it's nonsense!

Refund received by mail despite long wait (withdrawal in January). Do not expect to receive a refund during the session, rather wait until the end, or after the exam period.

Cancel your cover. Customer service is nonexistent and I no longer have the impression that it doesn't really care about students. Better communication of contract terms in a newsletter or email would solve so much ...

I contacted ASEQ today to cancel my student insurance as I already have one with my job and they told me I can only in the grace period of September 15th to October 15th which I find Ineligible. We should be able to cancel per session if our situation changes and not have to pay for a full year. In addition, this famous period is explicitly written nowhere in our student files that we receive by our university. These are more than dishonest practices to take our money out of our emaciated pockets of university students and go and give ourselves small bonuses at the end of the year.

20 minutes waiting on the phone for not answering my questions .. 0/5

Poor service! They do not take their customers seriously. Several times I have been hung up on the line or even ignored by this company. The wait is endless to receive a refund. Never take.

Run away! Telephonist completely limited, arrogant and disrespectful. Of course, she refuses to give her name for follow-up ...

Since November last year I have requested the withdrawal and reimbursement of expenses. no refund, no credit to date, plus I still have to pay the fees for the winter session.
Honestly, I don't see the respect or commitment towards the students. so, is not true that it is an association for students

Be careful since this is not an insurance company, but a broker who acts as an intermediary. In other words, they take your money, offer no service, and just redirect you to other insurance companies around the world. In this way, they take responsibility for any problematic situation and even more serious, they put false information on their website concerning the insurance coverages that we are supposed to be able to take advantage of. Prepare to face nasty surprises with every complaint and waste hours and hours of your life just getting the service you got before you pay.



Good luck!

If I can give them zero stars I would. Be aware students they trick you by their prices but their insurance doesn't cover medication and you end up paying twice. Because of their uninformed customer service representatives I will end up paying the RAMQ 460$. They have the worst costumer service ever. they don't take you for serious: they promise they will get back to you and never do and the worst thing is you never get the same info for the same question ever. I called more than 7 times and got different information each time someone answered and ironically when I ended up talking with a supervisor after two month of wait he was trying to trick me by his false information as if I am stupid. I don't recommend do deal with them in no way.

Worst service ever. I canceled my student insurance in Sept 2020. After 4 months, I haven't received my money back, even though I've been calling them every month. Aseq is not reliable! Run if you can.

In a period of COVID, no extension in the time of insurance to compensate for the fact that we just couldn't go to our health appointments.

WORST SERVICE !!!!!!!!!!!!!!!
They hung up in my face when all I wanted to know was when I was going to receive my dental insurance refund check. Believe me, I will not let go! I am a student who works at the minimum wage and part time (like many students) my money, I NEED NEED. BELIEVE ME, I WILL NOT LET THE CASE UNTIL MY $ 80 ME COMES BACK!

The score of 1.4 after so many reviews is self explanatory! not as many people can be wrong! After waiting on hold for hours (several tries) I desperately hope this review is noted by anyone in charge and they reach out to me! wish we could advise the school boards to shift to a different insurer!

It's been four months I expect my money to a dental insurance services I did not want to but I had to pay anyway with my college bill. I'm still waiting

"We do not really know when the refund will be done" "very bad service and endless waiting. One year after a withdrawal I still have not received my 2018 fall refund, we are currently September 2019.

Zero star !! Bad customer service, dont return calls and emails

I have always been served well at ASEQ and I love being able to submit my refund requests with the mobile app.

Terrible. Opted in for the winter semester but is says nowhere on there site or the brochure that it only starts on Feb. 2 and never got a confirmation my enrollment was confirmed. That's fraudulent, omitting to say coverage period. More

Was a little complicated to make a claim.
I called in to get help and staff was doing their best it seems.
I think the process will be easier online, will try that next time.

I have not received any refunds, I have canceled the insurance with this company, it is the worst service and it is impossible to contact them

I would give 0 without hesitation. No one can answer our questions. Refuses to reimburse us or even to give us information on the amount we could claim. RIDICULOUS as a company !!! UQAM PLEASE CHANGE FRANCHLY !!!!! A company like that shouldn't even exist, a real butt for stealing student money, I can't believe it.

I am still waiting after them for a refund that had to be fast by direct deposit! Never believe what comes out of their mouth. Lies after lies!
Services more than mediocre

I needed a simple proof of coverage. I sent them three emails and left two messages in two weeks, without any feedback, not even a confirmation message. I had to physically go to their office to answer them. I've had bad customer service before, it takes time, but at least you end up with what you need. But to ignore me completely, without explanation, is inadmissible.

THE WORST COMPANY, and google would have to give the opportunity to put less than a star

A compulsory service that I NEVER got information about in college or university. It was through my school bill that I saw over a hundred dollars added for this service. Why do we have to pay for this? If I don't need it, I don't want to see it on my bill. If I haven't asked for it, I want to see it removed. The worst part about it is that it's hard to take it out and get a refund. Don't ask yourself why. You have to wait weeks or even months to finally get something in return. Since changing their reimbursement policy in 2020, it has gotten worse: sticks in the wheels of students over and over again. I've been waiting for their famous INTERAC transfer for over 4 months. Honestly, ASEQ, you are thieves!
If I could give 0 star, if only it was possible ...

I don't even know why schools are dealing with this supposed insurance. They steal money from people who are already in debt. They don't even reimburse. Fraudulent company that shouldn't exist !!!

The insurance plan is automatically slipped into the tuition fees, it cannot be withdrawn. Thereafter, it is HYPER complicated to be reimbursed. I am talking about an approach spread over SEVERAL MONTHS. Phones, chats, emails ... the wait is endless and the employees are incompetent and answer no questions. I am still awaiting my refund. I was emailed today (December 1st) to tell me I had to send them a letter BEFORE December 4th or else I couldn't get my refund. Completely poor service bordering on scam.

Worst customer service that can exist. Problem persists since the month of September, we are in November and still unresolved. Plus, they never answer my questions. Horrible

Called TEN TIMES in three months to know the status of my requested refunded money. I sent them proof that I was insured by 2 different insurance parties already and that I wanted a refund IN JANUARY. On March 6th, after my 8th call, they told me they sent the cheque yesterday (march 5th) and that it would take 2-6 weeks to come in the mail. Every time I call, they put me on hold for 10-45 minutes and sometimes hang up. This company is in Montreal and I live in Gatineau, which is a two hour drive. It s impossible that it takes a cheque 2-6 weeks to go from Montreal to Gatineau. Absolutely the WORST, most unprofessional service I have EVER had in twenty one years of living and I am so disgusted and embarassed that my university (UQO) is associated with them. I wouldn't even recommend this insurance company to my worst enemy! Run away at all costs! I wish I could give ZERO STARS because this is what this place deserves. NEVER AGAIN.

By far one of the worst customer service I have ever had. I definitely do not recommend.

BE CAREFUL YOU PAY THE INSURANCE FEES IN THE SCHOOL FEES AND THEY DO NOT REFUND IF IT IS NOT SEPTEMBER CANCELLATION.

MORE POOR RETURN CALL EXPERIENCE THAT TAKEN MORE THAN A WEEK

Never been able to have a request refunded through the application, requests are set to "completed" but no follow-up / no refund. You have to call them to get anything. Rarely available during normal hours. If you hang around too much, requests expire. There are a thousand and one reasons why the requests are no longer valid. The whole process is not always clear.

On top of that, the mobile app is super buggy and nasty to use.

In short, badly invested money.

I am with Laseq with ETS student insurance.

The coverage is excellent.

They charge an administrative fee when it is their mistake. I'm only waiting for the refund for the cover refusal and it's hell.

I made a claim on the mobile app and 1 week and a half later, I had my full refund. I am satisfied, nothing to say.

I just saw that I was a victim of the $ 10 fee as one of the people below. I called to complain about this expense and I asked them to tell me where it was written ... Nul part. They could not tell me where it was because nowhere was it written that charges would be charged if their transfer did not work and they had to send me a check. The worst part is that it's my money and I did not need their insurance because I already have it ... but they charge me $ 10 to send me a check ... that I asked in October and I just received ... with $ 10 less. Very disappointed. Something has to be done and I have come to go through the AMF to get things moving ...

After 20 minutes waiting, the line was taken only to hang up. I cannot judge the service, I did not go to receive the service.

As a college student, I don't particularly have some "extra" time to run after my money. They are impossible to reach. When you call, you wait for more than 30 minutes. Then, you are redirected to their voicemail which is full (of course) and then, they hang up. This is a scam.

Incredibly rude and unhelpful customer service who just handles their customers while not actually providing any useful services. I've had 2 ongoing issues with them for 3 months with absolutely no resolution and no followup on their part.

Emailed, left voicemails for the past 3 weeks, nobody calls back or writes back. this service is a SHAME. No care at all for their customers.

We were not paid for the complaints we made, we are trying to correct the situation without success.
I do not recommend a service that you pay for but do not receive.

not professional staff. I speak with some Khadija? And she hang up after she did not explain my question.

I called to inquire about an estimate for a treament. The lady was upset that I was asking too many questions. She was also unable to provide me with answers, only repeating what was written on the letter that I received from the insurance company. All that after a 1 hour wait to "study" my file.

My daughter, who attends the University of Montreal, has difficulty reimbursing ASEQ's insurance costs to which she has never consented and which are automatically billed by the UdM registrar. I advise those who have More

Inversely proportional quality between Marketing and the services offered.

Do not answer on chat or over the phone. "Your call is important * Peaceful voice *" at 5 seconds "We are receiving a high volume of calls." They voluntarily make us wait so that we do not call them.

Worse service, always gives you different excuses and he never reimburses you. If I could give 0. Poor company

Having your hands tied to several injustices of their insurance is unacceptable.

Customer service and terrible and insurance reimburses next to nothing ... AVOID

Pitiful customer service. They billed me twice for my insurance and asked that I pay the bill and then reimburse me. Terrible phone service, low-skilled staff. Help!

I have requested a withdrawal of coverage according to the dates in the schedule. The withdrawal is pending and 5 months later it is still not done. In addition, other insurance costs are added to the student account for the winter session. Insurance should not be added automatically to part-time students. After 30 minutes on the phone, my problem is still not resolved. I'll check back in 4 days.

Every phone call takes an hour. They answer zero questions, put you on hold forever. They are useless.

I gave a star since it is not possible to give less. They take 6 months to pay you back. They charge an administrative fee when it is their mistake. This is the worst scam of the network of Quebec universities. They are thieves.

Do yourself a favor and cancel your insurance with ASEQ. Non-existent and unprofessional service. Hang up the line when they don't have an answer to your questions.

I had no problem with this insurance. I was a little apprehensive looking at reviews on google, but personally I did not have a bad experience. I installed the application on my cell ASEQ and I send my receipts by photos and I am refunded after 1 week without problem.

They win... for the baddest customer service I have so far. Geez. As many reviews, hard to catch someone, always running after your money.