Making a Claim

Many providers, such as your dentist, pharmacist or physiotherapist, can submit claims directly to Sun Life on your behalf. Your provider will need your coverage card to confirm your plan details. If the expense is eligible under the plan, you will only pay the balance of the claim not covered.

Discuss fees with your provider before you order items or receive treatment to understand whether you need to pay any additional charges. If the expense is over $500, we recommend you submit an estimate or call Sun Life to confirm your coverage.

If your provider cannot direct bill Sun Life, you can submit a claim in one of the following ways:

  1. Online at .
  2. Via the my Sun Life mobile app.
  3. By completing a paper health or dental claim form and mailing it to Sun Life. Customized forms are available to print from  (login required). Remember to include your original receipts, supporting documentation (e.g., physician’s report), and the Explanation of Benefits (EOB) from your spouse’s plan, if applicable. 

However you submit your claim, keep a copy of your receipt for your records and audit purposes. Claims must be received by Sun Life within 90 days following the end of the calendar year in which the expense was incurred.

Did You Know?

Not all providers have a great track record with Sun Life. To view delisted providers (providers that Sun Life will not reimburse for), log in to  and click on Coverage Information. On the right side, view the Delisted Providers List to ensure that the service provider has not been delisted.