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Vitality reviews

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Rated Poor 1.72/5

Vitality reviews

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Unverified business
Last reviewed within 7 days

Review summary

People rate this company as Poor based on 238 product reviews

Average score of 1.72/5
5 star
16%
4 star
2%
3 star
1%
2 star
2%
1 star
79%

Latest positive rating

5/5

Very quick to arrange treatment

Very quick to arrange treatment operation arrangements made MRI and consultant excellent great customer service

{"display":"IanM","full_name":"IanM","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Health Insurance
IanM 4th September 2024

Latest negative rating

1/5

Appalling Treatment When You Need Them Most

I'm writing this review to warn others about Vitality Life's shocking treatment of genuine claims. What happened to us demonstrates how insurance companies can leave... I'm writing this review to warn others about Vitality Life's shocking treatment of genuine claims. What happened to us demonstrates how insurance companies can leave you in the lurch when you're already dealing with a serious health crisis. My partner and I took out joint life and critical illness cover with Vitality in March 2023. Shortly after, I was diagnosed with multiple sclerosis and submitted a claim. This should have been straightforward - MS is clearly covered under critical illness policies. Instead of supporting us during an incredibly difficult time, Vitality: -Took 9 months to assess the claim -Declined it, claiming "careless misrepresentation" -Argued I should have disclosed eye pain from December 2022 (3 months before the policy) -This is despite having NO formal diagnosis until after the policy started Vitality's argument was that "eye pain" equals "blurred or double vision" on their application form. Even though: -I answered honestly based on my understanding at the time -I had no formal diagnosis when I applied -My GP confirmed no optic neuritis diagnosis before the policy commenced After dragging us through months of stress whilst dealing with MS: -Offered a "revised" policy excluding MS (the very condition I need coverage for) -No refund of premiums despite their misleading application process -2 years worth of premiums kept by Vitality for coverage I apparently "wasn't entitled to" This isn't about fraud or deliberate deception. This is about: -Ambiguous application questions designed to create loopholes -Aggressive claim investigation looking for any excuse to decline -Leaving customers distressed when they're already dealing with serious illness -Taking premiums for coverage they never intended to honour The Financial Ombudsman agreed Vitality could decline the claim on a technicality, whilst acknowledging I genuinely thought I'd answered correctly. This shows how the system is stacked against consumers. Vitality took our money, declined our claim on a technicality, and offered us "revised" coverage that excludes the very condition we need protection from. When you're paying for insurance, you expect protection when the worst happens. Instead, Vitality treated us like mud and left us with nothing but bother during an already stressful time. Avoid. They are not on the consumer's side. Just look at their Google Reviews and you'll see as many negatives as positives. Read more Read less

{"display":"Daniel L","full_name":"Daniel L","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Life Insurance
Daniel L 27th June 2025

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 238 company reviews Last reviewed within 7 days

Appalling Treatment When You Need Them Most

Life Insurance 27th June 2025

I'm writing this review to warn others about Vitality Life's shocking treatment of genuine claims. What happened to us demonstrates how insurance companies can leave... I'm writing this review to warn others about Vitality Life's shocking treatment of genuine claims. What happened to us demonstrates how insurance companies can leave you in the lurch when you're already dealing with a serious health crisis. My partner and I took out joint life and critical illness cover with Vitality in March 2023. Shortly after, I was diagnosed with multiple sclerosis and submitted a claim. This should have been straightforward - MS is clearly covered under critical illness policies. Instead of supporting us during an incredibly difficult time, Vitality: -Took 9 months to assess the claim -Declined it, claiming "careless misrepresentation" -Argued I should have disclosed eye pain from December 2022 (3 months before the policy) -This is despite having NO formal diagnosis until after the policy started Vitality's argument was that "eye pain" equals "blurred or double vision" on their application form. Even though: -I answered honestly based on my understanding at the time -I had no formal diagnosis when I applied -My GP confirmed no optic neuritis diagnosis before the policy commenced After dragging us through months of stress whilst dealing with MS: -Offered a "revised" policy excluding MS (the very condition I need coverage for) -No refund of premiums despite their misleading application process -2 years worth of premiums kept by Vitality for coverage I apparently "wasn't entitled to" This isn't about fraud or deliberate deception. This is about: -Ambiguous application questions designed to create loopholes -Aggressive claim investigation looking for any excuse to decline -Leaving customers distressed when they're already dealing with serious illness -Taking premiums for coverage they never intended to honour The Financial Ombudsman agreed Vitality could decline the claim on a technicality, whilst acknowledging I genuinely thought I'd answered correctly. This shows how the system is stacked against consumers. Vitality took our money, declined our claim on a technicality, and offered us "revised" coverage that excludes the very condition we need protection from. When you're paying for insurance, you expect protection when the worst happens. Instead, Vitality treated us like mud and left us with nothing but bother during an already stressful time. Avoid. They are not on the consumer's side. Just look at their Google Reviews and you'll see as many negatives as positives. Read more Read less

Rated Terrible 1/5
Read more product reviews

Scam - avoid at all times!

Health Insurance 17th June 2025

Scam - avoid at all times! You cannot get any treatment as it is gatekept to the insane degree so you'd give up phoning and... Scam - avoid at all times! You cannot get any treatment as it is gatekept to the insane degree so you'd give up phoning and signing forms including with your NHS GP. Read more Read less

Rated Terrible 1/5
Read more product reviews
  • 1/5

    Appalling claims process and administration.

    Appalling claims process and administration. An absolute communication disaster, who on earth gets paid to run an organisation like that? Why have an app iof you never update it?

  • 1/5

    Absolute shambles of a company consistently never c...

    Absolute shambles of a company consistently never call back as promised they have no concept of customer care or service They even asked me to... Absolute shambles of a company consistently never call back as promised they have no concept of customer care or service They even asked me to forge documents yes seriously.Management told me it was a misunderstanding. You could not make it up Read more Read less

  • 1/5

    Terrible customer service. Shameful.

    Terrible customer service. No one has any idea what is going on. I've been in an endless back and forth loop for 6 weeks with... Terrible customer service. No one has any idea what is going on. I've been in an endless back and forth loop for 6 weeks with Vitality and my GP trying to get my daughter seen. Vitality fail to hold up their end of the bargain and it is clear to me they are doing everything they can to stop us being seen. Our GP has asked for my daughter to see a Pediatric specialist as she has blurred vision and recurrent bouts of vomiting with no explanation and today we've been told this is not covered because my daughter once had a stomach bug! Read more Read less

  • 1/5

    AWFUL INSURANCE COMPANY STAY AWAY

    Private insurance is there to be seen immediately. Vitality did not have adequate dermatologists to be seen for my daughter within a week. Not only... Private insurance is there to be seen immediately. Vitality did not have adequate dermatologists to be seen for my daughter within a week. Not only that , they failed to advise that we could book the appt ahead of ensuring the claim had been accepted. Terry White is an awful complaints officer and should work for the Local Authority as his empathy , understanding and support t during difficult times and systematic failures of vitality is like he is not paid by a company but by the state. Read more Read less

    {"display":"Tamara","full_name":"Tamara","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health Insurance
    Tamara 14th April 2025
  • 1/5

    Poor customer service.

    Poor customer service. The agents are friendly and try and help. but then the systems are updated, but this is not reflected in the online... Poor customer service. The agents are friendly and try and help. but then the systems are updated, but this is not reflected in the online portal, so you have to call again. Long story short, after 4 weeks of trying to get support, I found out I was wrongly supported, and in fact can not be helped, so not only is my issue exacerbated my the messing around, but I'm in a worse mental and financial position. very disappointed. If you want free coffees and a apple watch great, go for it, if you want health cover I would recommend going somewhere else, my last company used AXA, who were leads above vitality. Read more Read less

    {"display":"JD","full_name":"JD","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health Insurance
    JD 20th February 2025
  • 1/5

    Typical money grab insurance company.

    Typical money grab insurance company. They will take your money and do as much as they can not to pay for your treatments. Check other... Typical money grab insurance company. They will take your money and do as much as they can not to pay for your treatments. Check other websites to see their poor reviews Read more Read less

    {"display":"Max G","full_name":"Max G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health Insurance
    Max G 21st January 2025
  • 1/5

    I turned to Vitality after being unable to get an NH...

    I turned to Vitality after being unable to get an NHS GP appointment for over two weeks. I got a private GP appointment through them,... I turned to Vitality after being unable to get an NHS GP appointment for over two weeks. I got a private GP appointment through them, who referred me to a specialist. I provided Vitality with the referral immediately, who proceeded to organise the specialist, booked my appointment etc but after incurring £2,000 in fees, they now come back refused to approve the referral, claiming I needed an NHS GP referral. This contradicts their terms, which only require “a GP referral.” Despite providing my medical history, they created unnecessary barriers, violating FCA rules on fair treatment. My complaint was ignored, and their response referred to non-existent terms. The issue is now with the Financial Ombudsman. Appalling service focused on gimmicks over core healthcare. Read more Read less

    {"display":"SS","full_name":"SS","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Health Insurance
    SS 2nd January 2025
  • 2/5

    Poor comms - nice App, Broken Promises, Broken Trust.

    Broken Promises, Broken Trust. Don't be fooled by the flashy rewards app! While they offer lots of incentives and rewards, their actual insurance is a... Broken Promises, Broken Trust. Don't be fooled by the flashy rewards app! While they offer lots of incentives and rewards, their actual insurance is a nightmare. They make claiming incredibly difficult, and their customer service is appalling. The claims team makes promises to write back with information but never does, leaving you in the lurch. My experience has been incredibly disappointing. For the business medical insurance we had purchased, as a director, I wish I had picked an insurer that values communication and honours its commitments. As a business owner, I feel we've gone down the wrong road in selecting Vitality for the company's medical benifit. Read more Read less

    {"display":"Ravi T","full_name":"Ravi T","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1072586.png"}}'s avatar
    Health Insurance
    Ravi T 20th November 2024
  • 1/5

    Avoid at all cost, better Health Companies out there!!

    My Company decided to give it a go and enroll this year with Vitality, for the past 15 years we used mainly Axa ppp and... My Company decided to give it a go and enroll this year with Vitality, for the past 15 years we used mainly Axa ppp and other providers such Bupa. These big companies are expensive however they take the stress away in terms of approving claims or consultations. Never had problems in the past. Unfortunately for me Vitality so far only offered a poor service. As other reviewers mentioned the amount informations requested plus involving GP on obtain records only elongate the process; reason why people use Private health insurance is to actually avoid these long wait to see a GP and been referred as soon as possible.Just so you know if you ask your Gp to fill up the records forms it will take up to 4 weeks and also you have to pay a fee to your surgery. So you might be quicker booking an appointment with your Gp than fill these forms !!! The frustrating part is the fact we took the full package from vitality and covering also existing condition however at the time of the switch you must forecast if you might have present conditions that might develop into something that requires additional consultations, basically they will do everything in their power to avoid claims!! So to everyone thinking to switch to Vitality ]bear in mind that you might encounter issue when making a claim. By the way my referral was approved by Vitality online GP and still wants more informations by my Gp, Definitely no worth the stress on taking a cheaper Company which only interest is on saving money. Read more Read less

    {"display":"Roberto P","full_name":"Roberto P","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1072302.png"}}'s avatar
    Health Insurance
    Roberto P 8th November 2024

    Products from Vitality

    Showing all products offered by Vitality

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