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Guardian Review

Guardian Company Overview

Customer Rating:
Rating: 1.593 Reviews Guardian has received an average of 1.5 stars out of 5 based on 93 user reviews.

Company History:
In 1860 The Germania Life Insurance Company of America was formed by 21 businessmen. The company changed its name to the Guardian Life Insurance Company of America in 1917. The Guardian Life Group includes The Guardian Life Insurance Company of America, The Guardian Insurance and Annuity Company, Inc., and Berkshire Life Insurance Company of America as well as some additional subsidiaries and affiliated companies. A 2001 merger with Berkshire Life Insurance Company added distribution and capabilities in th..Read More

Lines of Insurance:
Health, Long Term Care, Life, Disability

States licensed to sell insurance in:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Guardian Satisfaction Survey

Overall, how satisfied are you, with Guardian?



  1. Please select your insurance company from the following list:

  2. What insurance policy/policies do you have with this company?
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    Auto   Home   Health   Life   Other

  3. How long have you had a policy with this company?
    Less Than 1 Month
    1 to 6 Months
    6 Months to 1 Year
    1 to 3 Years
    Over 3 Years

  4. Overall, how satisfied are you, with your insurance company?
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    Unsatisfied
    Very Unsatisfied

  5. How likely are you to renew your insurance policy/policies with this insurance company?
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    Might or Might Not
    Probably Not
    Definitely Not

  6. Would you recommend this insurance company to your friends and family?
    Definitely
    Probably
    Might or Might Not
    Probably Not
    Definitely Not

  7. Have you ever had occasion to file a claim with your company?
    YES   NO

  8. Please provide any comments about your insurance company that would be useful to other consumers.

                 


Contact Information for Guardian

Company Contact Info:
President/CEO   Deanna M. Mulligan
7 Hanover Square
New York, NY 10004
212-598-8000

Guardian Reviews and Customer Comments

"I would give this company 0 stars if it would let me. I'm in the process of dealing with a claim that they are refusing to pay ANYTHING of. It was a deep cleaning that I was told and my dentist verified it would be covered. When I got my EOB and saw they denied it, I submitted an appeal. My dentist sent this in TWICE tried 3 different ways both time online, faxed, and mailed and Guardian says they never received it. So I uploaded the narrative myself online and then they magically got it. Took them 28 days to evaluate my appeal only for them to deny me AGAIN. Apparently, my deep cleaning wasn't deemed necessary even when I have 30% bone loss and sent in the proof LOL. I told them this is ridiculous and I want them to contact my dentist to get it resolved - even if they don't cover everything, something is better than nothing. They told me they can't and I had to submit the request in writing and wait ANOTHER 28 days. I called today to verify they received my written request and they are saying they never received it... AGAIN. This is a HORRIBLE company. I'd rather drop my dental coverage all together than stay with them, which is exactly what I plan on doing. Worst dental plan I've ever had."
Commented on 2018-11-08 13:27:46 EST
"They will take your payment and deny you coverage. They are VERY RUDE on the phone. When you speaking with them they cut you off."
Commented on 2018-09-27 13:20:11 EST
"Guardian Dental did not pay for an incision and drainage of infection for an emergency visit to remove a wisdom tooth. They said it should have been included with the original charge for extraction removal of the tooth. I'm stuck for an additional 275 charge that was previously approved on the estimate of services."
Commented on 2018-09-20 14:32:05 EST
"I currently have Dental Insurance with Guardian through my Employer. In the past 6 months I have had 2 Claims denied. One for a Crown and a Build up on a tooth that broke off. When my Dentist filed that Claims both denied. My Dentist has filed Appeal Letters....with no reply back from Guardian, my Dentist had sent a letter requesting a call back from a Consultant, and one will not call back. I myself have contact Guardian and have talked to a number of Representative, and Appeal Letters, and keep getting the run around. I am done with the run around I get from Guardian and am sending a Grievance Letter to the Insurance Commissioner in my State. I have NEVER...EVER..had a problem with Delta Dental when Insured under my husband Insurance prior to his Retirement. But Guardian has been a total JOKE of a Insurance Company."
Commented on 2018-05-30 20:08:43 EST
"Guardian dental insurance claims that it gives the insured 1500 annually but out of this money they pay only 2 regular dental cleanings which must be 6 months apart.Deep cleaning is covered only 50% and also two six months apart.Everything else is denied under all kinds of policies.I have this insurance through my employer so basically I cannot do anything about it.It's like not having dental insurance at all since it costs me more per year than paying out of pocket for the dental work that Guardian covers. Avoid Guardian like plague..."
Commented on 2018-03-25 10:28:27 EST
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