Guardian LifeReviews of guardianlife.com

Guardian Dental's claims process is an absolute disaster. I submitted my claim in February, provided all requested information, and received nothing but broken promises, repeated requests for the same documents, and endless delays — now my treatment quote expires in days with zero resolution. Avoid Guardian at all costs.

It has been stressful to say the least to get responses and every time I have provided the information they requested, they said they didn’t get it - I have a life emergency event and i am dealing with trying to get approved when my surgeon specified it was a new life threatening event not pre existing and they are stressing me out so bad while trying to heal . It’s not ok to not work on a claim until the day someone calls. This should been wrapped up . It’s so frustrating . I do not recommend short term disability thru this company .

This company is absolutely criminal. I have NO CLUE how they could be rated A+ through BBB... makes me want to rethink the BBB. I have a family of 4 on their Family plus dental nonsense for $89 per month. First of all.... EVERY SINGLE CLAIM WAS DENIED at first. I had to call and write and call again to have my claims accepted. THEN my claims were all only partially paid- and these were all for preventative care. I paid out over $700 in additional fees that were supposed to be 100% covered according to the explanation. Apparently, they only pay out about $50 total for cleaning, X-Ray and enamel sealant (kids). Mine and my husbands cleaning and X-Rays were $370 total, which is pretty typical in my area unless you are going to a shady "dentist" in a strip mall that is more likely to break a tooth than clean it. After spending HOURS on the phone, we got it down to $200. We did this twice. Same thing with my kids but ended up spending about $300 total for their cleanings. All in all, I spent nearly $1800 for dental care. It would have been SO MUCH CHEAPER just to cash pay. Ridiculous!!!!

If I could rate this clown company negative stars I would. Everyone I’ve talked to in customer service has a language barrier. I had surgery early January on my shoulder, and I still haven’t received one penny in Short Term Disability. Set up direct deposit and these animal balloon makers sent me checks, yes multiple checks. Then to make matters worse, these red nose, horn tootin, makeup wearing, birthday rentals sent it to the wrong address. Idiots!!!!!

Absolutely dogwater company. Impossible to cancel, no customer service.

It feels like they are practically trying to put any arbitrary administrative obstacle in my way in order to deny me FMLA. Like they are determined to deny me no matter what. Inconsistent directions on their processes from staff. If you get the wrong set of instructions from one staff, another can deny it based on some arbitrary administrative process requirement no one informed you about. Frankly, it feels like they are trying to put up obstacles so I will give up. They take weeks to respond, which to my understanding is illegal. By the time I get a response, editing any issue on the application is impossible because it's out of date.

No stars. Insanely horrible customer service. Have been trying for WEEKS to get someone on the phone. Still show my STD pending over 6 weeks after my application and can’t spam to anyone about it!! All robots and no people. When you do get someone, they put you on hold and hang up. They’ll gladly take my money though!!!!! Will never ever have this company for anything moving forward. Unfortunately it was my only option this time around. Never again. Do not use this company for any coverage.

Your company sucks along with your people that work in customer service . I will never opt in to use your company ever again.. this company denied my std and just basically don’t care to help fix anything . I am Pregnant and trying to get coverage . Yall sick and giving continuity of care to pregnant women .