Invite-only beta: careful review stays on.

ClaimCoach North provides Canadian self-help document support, not legal advice, representation, public adjusting, or promised results.

Simple appeal packages

Choose the amount of help you need. Flat fees, in Canadian dollars, with clear scope before you pay. Final paid packages include insurance expert review before release.

Single Appeal

One structured appeal package for one supported Manulife LTD denial.

$99 CAD

For one denial letter.

Included

Plain-language denial summary
One supervised appeal package draft
Key reasons and deadlines organized
Document checklist for your file
Editable text for your review

Not included

Does not include legal representation
Does not file the appeal on your behalf

Pricing applies to supported Manulife paid beta packages. Start with claim review so ClaimCoach can confirm the insurer and denial type before payment. Final delivery requires insurance expert review, and you sign and file the appeal yourself.

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Bundle

Most popular

A fuller document package for one supported Manulife LTD appeal file.

$149 CAD

Includes one revised draft.

Included

Plain-language denial summary
One supervised appeal package draft
One revised draft after your edits
Document checklist and next-step summary
Support for one insurer response question

Not included

Does not include legal representation
Does not file the appeal on your behalf

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Until Resolved

Document support through the insurer's appeal review stage.

$249 CAD

For one active dispute.

Included

Plain-language denial summary
Structured appeal package draft and reasonable revisions
Follow-up response drafts
Updated checklist as your file changes
Support until the insurer appeal decision

Not included

Does not include legal representation
Does not file the appeal on your behalf

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Where this fits

Between a free complaint process and a lawyer.

Use ClaimCoach North when

You need to understand the denial, organize your evidence, and prepare your own appeal documents for review.

Use OLHI when

You want a free complaint process after the insurer's internal appeal steps.

Use a lawyer when

You need legal advice, representation, negotiations, or litigation support.

A lawyer may be the right choice when you need legal advice or representation, but contingency fees often take 25–35% of back-pay. Free complaint processes can help in some cases, but may take 60–180 days and recommendations may be non-binding. ClaimCoach North sits between those options: $99–$249 CAD flat-fee document help for people who need clarity, a structured appeal package, and insurance expert review before final delivery.

Why isn't this free like OLHI?

OLHI is a free complaint service, and it can be a good option after you have gone through the insurer's internal review steps. ClaimCoach North helps earlier with the document work: understanding the denial, organizing the insurer's reasons, and preparing a structured appeal you can sign and send yourself. The flat fee supports secure Canadian hosting, bilingual service, privacy controls, and fast document preparation without taking a percentage of your benefits.

What's your refund policy?

Paid appeal services include a 30-day full refund window. After 30 days, you can still receive a full refund if you have not downloaded the appeal PDF, or a 50% refund within 60 days if you downloaded it but have not submitted it. If ClaimCoach North does not make your paid draft available within 7 business days after payment and intake completion, we refund you. Refunds are not based on the insurer's decision, because we do not control the insurer's review or promise a result.

Why are there no monthly plans during beta?

Most people arrive with one urgent denial, not an ongoing plan need. Beta focuses on flat-fee appeal packages so pricing is easier to understand and there is no recurring billing surprise. A monthly option may return after the first customer cohort shows a real need for ongoing document help.