How to Cancel Vitality
Vitality combines health insurance with a rewards programme. Cancellation is handled by phone. Your rewards, Apple Watch discount, and partner benefits all end when you cancel.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Notice period
30 days for most policies. Minimum terms may apply.
Refund policy
Pro-rata refund for annual payers. Outstanding Apple Watch subsidies must be repaid on cancellation.
After cancellation
Policy documents and claims history retained for 7 years per FCA requirements. Vitality Points are lost.
What to Watch Out For
- No online cancellation option, requiring a phone call
- Agents highlight rewards and discounts you will lose to discourage cancellation
Direct Debit & Billing Warnings
- If you received a discounted Apple Watch, you may owe the outstanding balance on cancellation.
Cancellation Steps
Go directly to Vitality cancellation pageReview your policy terms
Check minimum term and notice period in your policy documents.
Call Vitality
Phone 0345 601 0030 to reach the cancellations team.
Request cancellation
Provide your member number and confirm you want to cancel.
Settle any outstanding balances
If you received a discounted Apple Watch, you may owe the remaining cost.
Tips & Things to Know
- If you got a discounted Apple Watch through Vitality, you may need to pay the outstanding balance.
- Gym discounts (Virgin Active, Nuffield) end immediately upon cancellation.
- Vitality Points and rewards status are lost on cancellation.
Your Consumer Rights
- Vitality is FCA-regulated. You have a 14-day cooling-off period for new policies under ICOBS.
- Any outstanding Apple Watch charges must be clearly disclosed before you commit to cancellation.
Frequently Asked Questions
Can I cancel Vitality health insurance online?
No. You must call 0345 601 0030 to cancel your Vitality policy.
Do I lose my Apple Watch discount if I cancel Vitality?
Yes. You must repay the outstanding subsidy on your Apple Watch if you cancel early.
What happens to my Vitality Points?
All accumulated points and rewards status are lost on cancellation.
Can I keep my gym discount after cancelling Vitality?
No. Partner discounts including Virgin Active and Nuffield end immediately.
Is there a minimum term for Vitality?
Most policies have a minimum term. Check your policy documents for the exact period.