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Business Profile

Insurance Companies

Combined Insurance Company of America
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BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Combined Insurance Company of America's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 3 total complaints in the last 3 years.
    • 2 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:23/04/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had a knee surgery on Feb 24, 2025 which left me temporarily disabled/unable to return to work. I have had insurance through Combined for approx 15 yrs covering exactly this. I filed my claim as soon as I got the physician statement back from the surgeon who performed my surgery and was not disabled until the day of my surgery. Combined is refusing to pay my claim because I was not file my claim within 90 days of my accident. My original accident was in October of 2023, but due to Canada’s medical system it is not possible to even get a Dr appointment, never mind surgeon, MRI, consultation, booked in for surgery within 90 days. Based on their interpretation it would be impossible for anyone to be able to make an accident claim for disability within 90 days of an accident if you need surgery and are not disabled until you have the corrective surgery. I want them to provide the service I have been paying for.

      Business Response

      Date: 24/04/2025

      Good morning, this claim is still under review and has not been denied nor approved. The Customer Service Representative (CSR) may have advised you incorrectly as it shows in our system as claim still being reviewed by the Senior Adjuster. You will receive a letter from the claims adjuster when a decision has been made. 

      I apologize for the miscommunication from the CSR team. After the claim has been reviewed, if you still have any questions or concerns please reach out to the claims team to connect you with the Chief Complaints Officer.

    • Initial Complaint

      Date:06/01/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      April 2024 Christa L. approached me to buy sickness and injury insurance. She made it sound like the claims process and receiving money was very streamlined and was possible to get money with in 24 to 24 of the accident.

      Beginning of December I was emitted into the foothills hospital with a life threatening illness and my wife started the claim. She told us there is nothing we can do till I got out of the hospital. So I got out 5 days later and then she said there was a bunch of papers that needed to be filled out by the doctor and I also had to pay out of pocket to get the doctor to fill out the forms. So I got all that done and sent it in to her and she rejected it. I've been out of the hospital for 10days and still have not received a cent. Looking like I won’t be getting any money for a month or so. She has not lifted a finger for me. All she does is gives excuses why she is to busy to help me and clearly doesn’t care about her clients.

      Business Response

      Date: 09/01/2025

      The complaint and all it's elements have been addressed. 

    • Initial Complaint

      Date:08/12/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have claim # ******** for critical illness payout 25000, income guard 5000 per month , since 2019, all payment up to date. Hospitalized , heart attack September 30/23 claim and medical documents submitted November 11/23, told processing and pay out would take 2weeks, then extended to 20 days then still processing , request adjuster to contact me a week ago and also sent email on complaint to business email, no income 2 months, asked to speak to supervisor, takes up to 3 business days

      Business Response

      Date: 03/01/2024

      Our claims department has been in communication with the claimant. On Jan. 2, 2024, a partial payment was made under policy ******** following receipt of hospital records.

      We are currently waiting for a response from the claimant's doctor to evaluate benefits payable under policy ********. Once we receive the doctor's response, we will be able to continue adjudication of this claim. 

      Customer Answer

      Date: 15/01/2024

      I received correspondence that my file is closed did not respond to letter dated January 3rd 2023 from Maria of combined insurance.
      She advised partial payment was mailed January 2
      /23 .
      I have not received any payment to-date. And she advised the second claim for income support is waiting for letter from my doctor whom will respond February 29 th

      I ask that this file is not closed until completion of claim and payments

      Thank you

      *** *********
      *** *** ****

      Business Response

      Date: 17/01/2024

      We will keep this complaint open until we receive the additional information requested from the claimant's Doctor and can continue to adjudicate the claim.

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