Complaints

This profile includes complaints for Guardian Life Insurance Co. of America's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Guardian Life Insurance Co. of America has 20 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Guardian Life Insurance Co. of America

  10 Hudson Yards New York, NY 10001-2157

  
• 

  Guardian Life Insurance Co. of America

  7 Hanover Sq Fl 17 New York, NY 10004-2616

  
• 

  Guardian Life Insurance Co. of America

  7 Hanover Sq # H-4-h New York, NY 10004-2601

  
• 

  Guardian Life Insurance Company of America

  20021 120th Ave NE # 103 Bothell, WA 98011-8248

• 

  Guardian Life Insurance Co. of America

  5501-A Balcones Drive #217 Austin, TX 78731

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.

• Initial Complaint

  Date:06/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 signed up for Guardian dental insurance in March 2025. I set up an autopayment on their website and made my first payment on March 24, paying $16.11. My autopayment feature did not connect properly on their end without my knowledge. I was traveling the country and they only sent physical mail to let me know my payments weren't coming through. After missing just one payment, they cancelled my coverage at the end of May. I returned to the **** in June and came home to the mail they sent me. Thankfully I was able to reinstate my plan, but they made me pay for June even though I had no dental coverage at that time since they had cancelled the plan. It's predatory for them to cancel an insurance plan so quickly without providing adequate notice. It looks like they tried to email me but it went to spam. They never called me or tried to reach me in any other way before they cancelled my account over one missing $16.11 payment.

  Business Response

  Date: 06/27/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 

• Initial Complaint

  Date:05/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  To Whom It May Concern,Im filing a formal complaint against Guardian Dental regarding poor customer ********************** and their refusal to fairly review my request for a waiting period waiver.I recently transitioned off COBRA and planned to continue my dental coverage through a personal Guardian plan. I was informed that I do not qualify for a waiting period waiver because I have had only five months of continuous Guardian coverage one month short of the six-month requirement. I requested a callback from a supervisor to appeal this decision.A manager returned my call but left only a voicemail stating that theres nothing she could do and that she would send me an email explaining how to file a grievance. She did not leave a callback number, nor did she ever send the email. I have received no further communication from Guardian.I find this extremely disappointing. I am in the middle of a major dental procedure and a waiting period would delay necessary care and impose undue cost. I have maintained continuous Guardian coverage, and I believe a one-month shortfall is a reasonable exception particularly given my intent to continue with Guardian and my current treatment needs.Customer ********************** should advocate for customers especially those seeking help with ongoing care. Instead, I was dismissed and left without a clear path to escalate my case.I am requesting that Guardian:Contact me directly to provide a real opportunity to appeal this decision;Review my request for a waiting period waiver based on continuity of care and coverage;Take accountability for the lack of follow-up from their representative.I hope this complaint helps bring attention to this issue and prompts Guardian to provide the service and support their members deserve.Sincerely,**** *******

  Business Response

  Date: 05/22/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

• Initial Complaint

  Date:05/14/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 am filing a complaint against Guardian Dental Insurance for providing false information to a dental provider, which delayed necessary care.I am a dependent under my fathers Guardian dental insurance plan. I located an in-network oral surgeon directly through Guardians provider directory. However, when the providers office contacted Guardian for a peer-to-peer verification, they were told I had no active dental benefits.This was completely false. I immediately contacted Guardian myself, and a representative confirmed that I do have active dental coverage. They sent me an email outlining my current dental benefits, including Member ID and ********************** ID. I forwarded this to the oral surgeons office, but they are still unable to verify my benefits due to Guardians internal errors.This situation has:Caused an unnecessary delay in receiving important oral surgery.Created confusion for both me and the provider.Required repeated follow-up calls and emails to resolve what should have been a straightforward coverage check.I am requesting the following:A clear explanation of why my dental benefits were denied during verification.Immediate action to issue a formal dental benefits verification letter directly to the provider.Assurance that this issue will not continue to affect other patients.Guardians failure to provide accurate dental coverage information has interfered with my ability to receive care and reflects a serious issue in their communication with in-network providers.

  Business Response

  Date: 05/14/2025

  Hello, to whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you,

  Corporate Inquiries. 

  Customer Answer

  Date: 05/21/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ****** *****
  
  
  
   
  
  

• Initial Complaint

  Date:05/12/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 a newborn, postpartum depression, and now battling with an insurance company to get my claim processed. I am on *** after giving birth, starting 3/10. I received an upfront payout. Starting 4/3 I began the process for extension and have been hit with roadblocks without being informed of said roadblocks. 1. Successfully submitted the form and office notes from my doctor. 2. No email, phone call, and no online update. I called and was informed I needed another form and notes from another medical provider. 4/18 3. Submitted these same day and didnt hear back so I called again, told Im missing paperwork. Submitted these 4/25. It is 3/9 with no update nor processed claim. This is frustrating and stressful. The customer ********************** rep ****** informed me I was still within the turnaround window however upon asking for details he had to look up their policy and then look up the dates of my submissions. Gaslighting, unprofessionalism, and a lack of communication has made this process horrible to deal with during this stressful time.

  Business Response

  Date: 05/13/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

  Customer Answer

  Date: 05/21/2025

  Better Business Bureau:
  
  The business has reached out to me and has initiated remediation. Ive received extensive communication since and see they have taken my complaint to the correct departments. The actions of the company since have been quite satisfactory. 

  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******** *****
  
  
  
   
  

  
  

• Initial Complaint

  Date:05/06/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  nov ******* i paid for a bone graft while we were waiting for an appeal to be filed, the bone graft was time sensitive so i paid for it out of pocket my insurance covers the bone graft at 50% if the bone graft was done at time of extraction, the bone graft coudnt be done at that time due to a severe infection that had to be cleared up to get the best possible results and for the bone graft not to reject. my dentist and myself have made at least 10 to 15 calls and emails to speak to someone so she could get to speak to someone to do a peer to peer, now i only have 22 days left for the peer to peer or they will not pay for the bone graft at all. i have sent you all the records and the letter from the dentist with my files that she has on multiple occasions sent to them and yet no one has contacted her back, or myself for that matter. i am entitled to 50% coverage that is all i want. it is impossible to speak to someone at all. feel free to speak to Dr. ****** re this issue as she is just as frustrated as i am her contact information is ************

  Business Response

  Date: 05/07/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

  Customer Answer

  Date: 05/15/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  i am hesitant to accept as i have been trying to get a peer to peer from them for months, and as of 5/30/2025 is the last date to have the peer to peer, are you able to tell them to contact the doctor? because thats who they need to speak to so we can get paid?  

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *****-** *****-********
  
  
  
  
   
  

  Customer Answer

  Date: 06/04/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID# ********* and have determined that my complaint has NOT been resolved because:
  

  
  

  I want to keep it open until they have responded with a plan of payment, to where it will be sent and when.

  
  

   

  
  

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  
  
  Sincerely,
  
  
  
  ******** **************
  
  
  
  
  
  
  
  
  
   
  

  Business Response

  Date: 06/04/2025

  To Whom it May Concern:

  Thank you for bringing this matter to our
  attention. Customer satisfaction is extremely important to us. We will reach
  out to the customer directly with our response.

  Thank you,

  Corporate Inquiries

• Initial Complaint

  Date:05/06/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  This company has a third-party vendor that has repeatedly called my phone to telemarket me some type of final expense insurance, even though I am on the Federal Do Not Call list. I managed to record one of the latest calls. I have reached out to Guardian to get the matter resolved, and to stop the calls. Unfortunately, they have chosen to ignore me. At this point, I will need to speak to their ATTORNEY or LEGAL REPRESENTATION to get this matter resolved. Simply "removing my number or information from their system" will NOT suffice. Failure to resolve this matter will result in significant legal action being taken for violations of the Federal TCPA. It is my sincere hope that the company will do the right thing.

  Business Response

  Date: 05/07/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you,

  Corporate Inquiries.

  Customer Answer

  Date: 05/14/2025

  Better Business Bureau:
  
  Guardian has reached out, and is investigating the matter. I am considering the matter closed, provided Guardian accepts responsibility at the end of their investigation, or holds their appropriate vendor accountable, and that vendor accepts responsibility fully. Thank you for your assistance 
  
  Sincerely,
  
  *** ****
  
  
  
   
  
  

• Initial Complaint

  Date:04/17/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  Advertises Dental insurance with no wait both in search and on their website. I purchased their most costly plan. Webt to the dentist & need to have a tooth extracted. Found out that that Guardians 'no wait dental" has a year wait time before they will cover a tooth extraction & most other services. Would like my money refunded & plan canceled for my 1 & only month with this company. Very dishonest. Also, spoke to customer ***************************** stated they do not do ** wait dental & their website does not state that. I have pictures of their site and search where it says no wait dental.

  Business Response

  Date: 04/17/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

  Customer Answer

  Date: 04/28/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ***** *****
  
  
  
   
  
  

• Initial Complaint

  Date:04/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 purchased this dental policy through the ************** Exchange for coverage in 2024. This policy was cancelled as of 12/31/24. In spite of repeated notifications from ********** (the health exchange) and from me, Guardian continues to send me billing notices and saying my account is past due. I have sent them multiple notifications through the mail and called them three times. Each time they tell me that they will stop sending me bills and yet, they continue to do so. This is completely unethical and unacceptable. I am requesting (AGAIN!) that the company erase any balance showing due on the account (again, THE POLICY WAS CANCELLED AS OF 12/31/2024...THEY KNOW THIS!) and STOP SENDING ME BILLING NOTICES IMMEDIATELY.

  Business Response

  Date: 04/16/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

• Initial Complaint

  Date:04/14/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 submitted Policy ******** for reinstatement on Mar. 16, 2025. I continue to ask for an update on this but Guardian does not respond to any emails and has not provided any update on this. The reinstatement is for a policy holder who is already insured and covered by Guardian. There should be no reason this is delayed as ******* ********** is already insured under this policy. Resolution: reinstate this policy immediately for the full value.

  Business Response

  Date: 04/16/2025

  Hello to whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

• Initial Complaint

  Date:04/09/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  My policy had lapsed and was cancelled I discuss with a representative the possibility, I repeat-the possibility of reinstating my account/plan with A DEBIT CARD, I NEVER MENTIONED THE ONE ON FILE. Once your policy is cancelled guardian locks you out of your portal thus preventing me from editing any of my payment methods and such. I never once gave the order to have my account reinstated retroactively like we had discussed the possibility of and now I was charged and backdated for several months which I would like to remain cancelled I've already filed A complaint with them and they're looking into a ticket but this was incredibly deceptive and I again never authorize them to charge my card to have my account reinstated. I will continue to challenge and dispute this with my bank until I'm refunded. Ridiculous. I never gave them consent to back date my policy via charging my debit card and they went and did it anyway. Horrible way to conduct business.

  Business Response

  Date: 04/09/2025

  Hello To whom it may concern,

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.