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Vitality reviews

Vitality Logo
Rated Average • 2.91/5

Vitality reviews

Unverified business Last reviewed within 14 days
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Review summary

People rate this company as Average based on 268 product reviews

Average score of 2.91/5
5 star
19%
4 star
3%
3 star
1%
2 star
2%
1 star
75%
Reviews for Vitality have trended positively over the past 90 days

Latest positive rating

4.00/5

Healthy lifestyle rewards

I have never made a claim but the renewal process is a good one.I like the rewards for keeping healthy

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Latest negative rating

1.00/5

Unexpected medical costs despite prior authorisation

Disappointing experience with Vitality – unexpected medical costs despite prior authorisation I have been extremely disappointed with my experience with VitalityHealth. I sought authorisation for... Disappointing experience with Vitality – unexpected medical costs despite prior authorisation I have been extremely disappointed with my experience with VitalityHealth. I sought authorisation for cardiology investigations relating to palpitations and received a letter confirming approval for consultations and diagnostic tests, including an ECG and echocardiogram. Although the letter referred to a £1,000 outpatient benefit limit, I was subsequently faced with unexpected out-of-pocket costs when the provider's charges exceeded the available benefit. My main concern is not simply that my policy has a financial limit. It is that I relied on Vitality's treatment authorisation without feeling that the potential financial implications had been made sufficiently clear. I only discovered the extent of the shortfall after the treatment had taken place. The situation became even more frustrating when I needed a follow-up consultation to review my results, only to be informed that my outpatient benefit had been exhausted and further outpatient treatment would not be covered until the next renewal date. I raised a formal complaint and provided further explanations of my concerns. Unfortunately, Vitality rejected my complaint, maintaining that the limit had been disclosed and that I should have discussed the anticipated costs directly with the provider beforehand. I understand that insurance policies have limits and exclusions. However, I believe customers should be able to understand the practical financial implications of an authorisation before proceeding with medical investigations, rather than discovering significant additional costs afterwards. I have now referred the matter to the Financial Ombudsman Service for an independent review. Overall, this experience has left me disappointed with the clarity of communication and the way my concerns were handled. I hope Vitality takes this feedback seriously and improves how it explains potential out-of-pocket costs to members before authorised treatment takes place. Read more Read less

{"display":"Leonardo A","slug":"user1793107476","deleted_at":null,"created_at":"2026-10-27T13:24:36.000000Z","updated_at":"2026-10-27T13:24:36.000000Z","biography":null,"tagline":null,"gender":null,"rank":null,"first_name":"Leonardo","last_name":"Andrade","full_name":"Leonardo Andrade","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Health insurance
Leonardo A 27th October 2026
See more reviews for Vitality products

About Vitality

Vitality means you don't have to claim to benefit from your insurance. We're making it cheaper and easier to live healthier by rewarding members for getting active. Smart Money People is the place for Vitality reviews. Read and write reviews to help increase trust and transparency in Financial Services.

Vitality at a glance

Reviews for Vitality

Showing 11 of 268 company reviews • Last reviewed within 14 days

Unexpected medical costs despite prior authorisation

Health insurance • 27th October 2026

Disappointing experience with Vitality – unexpected medical costs despite prior authorisation I have been extremely disappointed with my experience with VitalityHealth. I sought authorisation for... Disappointing experience with Vitality – unexpected medical costs despite prior authorisation I have been extremely disappointed with my experience with VitalityHealth. I sought authorisation for cardiology investigations relating to palpitations and received a letter confirming approval for consultations and diagnostic tests, including an ECG and echocardiogram. Although the letter referred to a £1,000 outpatient benefit limit, I was subsequently faced with unexpected out-of-pocket costs when the provider's charges exceeded the available benefit. My main concern is not simply that my policy has a financial limit. It is that I relied on Vitality's treatment authorisation without feeling that the potential financial implications had been made sufficiently clear. I only discovered the extent of the shortfall after the treatment had taken place. The situation became even more frustrating when I needed a follow-up consultation to review my results, only to be informed that my outpatient benefit had been exhausted and further outpatient treatment would not be covered until the next renewal date. I raised a formal complaint and provided further explanations of my concerns. Unfortunately, Vitality rejected my complaint, maintaining that the limit had been disclosed and that I should have discussed the anticipated costs directly with the provider beforehand. I understand that insurance policies have limits and exclusions. However, I believe customers should be able to understand the practical financial implications of an authorisation before proceeding with medical investigations, rather than discovering significant additional costs afterwards. I have now referred the matter to the Financial Ombudsman Service for an independent review. Overall, this experience has left me disappointed with the clarity of communication and the way my concerns were handled. I hope Vitality takes this feedback seriously and improves how it explains potential out-of-pocket costs to members before authorised treatment takes place. Read more Read less

{"display":"Leonardo A","full_name":"Leonardo A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1.00/5
Read more product reviews

Healthy lifestyle rewards

Health insurance • 13th October 2026

I have never made a claim but the renewal process is a good one.I like the rewards for keeping healthy

{"display":"karl cullen","full_name":"karl cullen","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Good • 4.00/5
Read more product reviews
  • 5.00/5

    Great insurance with added perks

    Great insurance with added perks to get money off days out and food places

    {"display":"Charlotte Probyn","full_name":"Charlotte Probyn","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Incredible Rewards Wish I’d Joined Sooner!

    I took out insurance with Vitality a couple of months ago, and I couldn't be happier with my decision. Having used the service for a... I took out insurance with Vitality a couple of months ago, and I couldn't be happier with my decision. Having used the service for a while now, I can genuinely say they offer a fantastic package. What truly sets them apart is their outstanding rewards program that actively promotes health and well-being. When I did the math and calculated the value of all the rewards and benefits included in the monthly premium, I was genuinely amazed—it offers so much value! Here are just a few reasons why I love Vitality: Amazing Rewards: Getting a free handmade drink every week, discounts on gym memberships (including FitGym), and complimentary access to Headspace. Tech & Fitness Incentives: Great discounts on health wearables like Apple Watches—if you maintain a healthy lifestyle, the wearable can even end up being completely free! User-Friendly App: The app is very well-designed, smooth, and simple to navigate. Exceptional Support: Every staff member I've interacted with has provided excellent customer service. They are helpful and always ready to assist. To be honest, I used to think insurance schemes were a scam because I didn't fully understand how they worked, so I held off on joining. I now realize how wrong I was, and I only wish I had signed up much earlier in life. I strongly encourage parents to talk to their children about insurance and get them started early. Signing up young means lower premiums and access to benefits that far outweigh any costs. Vitality has truly been life-changing for me over these past few months. I am so grateful for the positive impact it’s had on my health and wellbeing, and day-to-day life. Highly recommended! Read more Read less

    {"display":"Kera ","full_name":"Kera ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Life insurance
    Kera 12th October 2026
  • 5.00/5

    Affordable life cover with weekly rewards

    Affordable life cover with the added bonus of being able to access weekly rewards. If you earn 12 or more activity points between Monday and... Affordable life cover with the added bonus of being able to access weekly rewards. If you earn 12 or more activity points between Monday and midnight on Sunday each week, you can choose rewards each week! 5 star defaqto rated conpany too! Read more Read less

    {"display":"Francis Butterworth ","full_name":"Francis Butterworth ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Good app and easy to deal with.

    Good app and easy to deal with. Variety of options how to stay fit and track your health.

    {"display":"Matus","full_name":"Matus","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health insurance
    Matus 3rd September 2026
  • 5.00/5

    Weekly awards programme is a great incentive to stay...

    Weekly awards programme is a great incentive to stay healthy

    {"display":"Neil B","full_name":"Neil B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health insurance
    Neil B 21st August 2026
  • 5.00/5

    Life insurance that is affordable

    Vitality was able to provide me with life insurance at an affordable rate

    {"display":"Karla W","full_name":"Karla W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Life insurance
    Karla W 20th August 2026
  • 5.00/5

    Great value for money

    The health insurance from vitality offers great value for money offering protection to myself and family when it matters most, especially when in emergency situations

    {"display":"Sarah","full_name":"Sarah","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health insurance
    Sarah 20th August 2026
  • 5.00/5

    Vitality rewards me for staying healthy

    Vitality cares about me staying healthy and reward me for doing so. That is excellent

    {"display":"Sarah","full_name":"Sarah","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Life insurance
    Sarah 20th August 2026
  • 5.00/5

    I really love vitality products.

    I really love vitality products. They are really good value for money . The fact that they give so much choices is amazing. I was... I really love vitality products. They are really good value for money . The fact that they give so much choices is amazing. I was looking for an insurance company that covers children an vitality was the only company that covers my children that gives me peace of mind. Read more Read less

    {"display":"Samantha B","full_name":"Samantha B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Life insurance
    Samantha B 20th August 2026

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