Manulife Vitality for Extended Health Care (Canada): The Complete Guide

Imagine if your health insurance didn’t just sit there waiting for something to go wrong, but actually rewarded you for living well.

That is what Manulife Vitality does. It is an optional add-on available with Manulife’s FlexCare® and FollowMe™ Extended Health Care plans, built for people who value fitness, prevention, and measurable progress. By tracking healthy habits such as steps, workouts, screenings, and dental visits, members earn points, perks, and premium savings. Think discounted wearables, fitness memberships, hotel deals, and a lower monthly premium.

For some, it is a fun motivator to get moving. For others, it is a complete mindset shift that turns insurance into a living program that encourages health rather than just covering illness.

What is Manulife Vitality?

Manulife Vitality is a wellness-based rewards program that complements traditional insurance. When you add it to your FlexCare® or FollowMe™ Health & Dental plan, it transforms your insurance into an interactive health companion that offers premium savings, discounts, and real-world rewards for making healthier choices.

• Add-on fee: $5 per month
• Automatic first-year premium savings: 5%
• Ongoing potential premium savings: Up to 10% based on engagement

Compare Manulife health plans on Aeva.ca, then toggle the “Vitality” add-on option to instantly see pricing.

Real Member Story: Rick Z. — Turning Unmotivation into Momentum

Rick, a new father, described himself as “unmotivated” before joining Manulife Vitality. Between sleepless nights and work, exercise and nutrition had fallen away.

After his advisor introduced him to Manulife Vitality, the combination of short-term, achievable goals and his Apple Watch reignited his motivation. He began walking daily with his wife, earning Vitality Points™ for activity, healthy meals, and preventative appointments.

Within months, his premiums started decreasing, he lost weight, and his energy returned.

“The program gave me confidence,” Rick said. “I am healthier, more active, and I set a better example for my kids.”

Rick’s story shows what happens when an insurance product becomes a practical motivator that bridges the gap between intention and action.

Who Can Add Vitality

You can add Manulife Vitality to any eligible:

• FlexCare® plan (medically underwritten), or
• FollowMe™ plan (guaranteed issue conversion after group coverage ends).

It is available to individuals and families across Canada, and participation is voluntary. You are in control of how much or how little you engage.

Not sure which plan fits? Use Aeva.ca’s guided flow to compare FlexCare vs FollowMe and instantly see which ones include the Vitality option.

How the Program Works

You earn Vitality Points™ for a wide range of activities:

• Fitness: Steps, workouts, gym visits
• Prevention: Dental checkups, eye exams, vaccinations
• Health education: Completing wellness modules in-app
• Screenings: Completing your ExamOne® at-home Vitality Check™
• Sleep and mindfulness tracking through compatible devices

These points add up to determine your Vitality Status: Bronze, Silver, Gold, or Platinum. Higher tiers unlock more rewards and potential premium savings.

Each week, you will receive personalized Weekly Targets, and when you hit them, you spin the Vitality Wheel™, a digital prize wheel that offers gift cards, bonus points, or partner deals.

Real Member Story: Leslie L. — Life After Cancer and Rediscovering Vitality

Leslie, a mother of two, joined Manulife Vitality in 2018 after surviving thyroid cancer. Initially hesitant, she was relieved to learn that her health history did not prevent her from participating.

She started small by connecting her step tracker, walking with her daughters, and completing her wellness checkups. Soon, she began receiving encouraging emails every time she earned new points.

“Having the program in my corner motivated me,” she said. “It made my healthy choices easier, and my kids are part of it too.”

Leslie’s daughters even wear trackers of their own, joining her for evening walks to hit 10,000 steps. The Vitality program not only supported her personal recovery but became a way for her whole family to adopt a healthier routine.

What You Actually Get

• Apple Watch® from $0: Reduce your monthly payments to $0 by earning enough points.
• Fitbit®, Garmin®, Oura®, and WHOOP® discounts: Up to 40% off or complimentary devices.
• Gym savings: Discounts with GoodLife Fitness, Orangetheory, and Les Mills+.
• Wellness and lifestyle rewards: Credits for Expedia, adidas, HelloFresh, and more.
• Complimentary ExamOne® at-home screening once per program year.

Note: For Health & Dental Vitality, the wearable-device offer (Apple Watch, Fitbit, Garmin, WHOOP, or Oura) applies to the primary insured person only. Dependents under the same plan do not receive their own Vitality accounts or devices.

Even moderate engagement can offset the $5 monthly fee, while higher participation often results in hundreds of dollars in value annually, not including premium savings.

Use Aeva.ca to compare Manulife’s Vitality plans, and see how perks like Apple Watch from $0 stack up next to your premium savings.

Real Member Story: Sukhminder V. — From “Sloth” to “Cheetah”

Sukhminder, a lawyer and father of two, called himself “a sloth” before joining the program. Long hours and family obligations left little time for exercise. But after his mother’s open-heart surgery, he realized he needed to change course.

Vitality gave him the framework and accountability he was missing. He synced his Apple Watch, started logging workouts and meals, and used the annual ExamOne® Vitality Check to monitor his health metrics.

“When you see your data, you make better decisions,” he said. “Now my kids run and do yoga with me. I look ten years younger and feel even better than that.”

His story shows what makes the program unique: real-time feedback, meaningful rewards, and an evidence-based approach to sustainable health improvement.

The Real-World Value

Even minimal engagement can cover the $60 per year program fee, and consistent participation can easily produce hundreds in annual value, plus measurable health benefits.

Use Aeva.ca to compare Manulife’s FlexCare and FollowMe options, with or without Vitality, and see what fits your lifestyle and budget best.

Who It’s Best For

• Fitness-minded individuals: You already track your steps or workouts.
• Families: Parents can set the tone and earn points together.
• Professionals: The app gamifies accountability when time is limited.
• Retirees: Reduced activity targets and prevention-focused rewards fit older adults well.

Privacy and Data Use

Manulife Vitality is powered by The Vitality Group Inc. Data shared through the app is used only for the program and not to change insurance underwriting decisions. You choose what to share, and you can revoke device permissions at any time.

Bottom line: Vitality motivates, but your private health data stays private.

Editorial Take

The Vitality program takes something most people ignore, their health insurance, and turns it into a daily reminder that wellness is worth rewarding. For some, it is a way to save on premiums. For others, like Leslie, it is a reason to stay active after major life events. And for people like Rick or Sukhminder, it provides the structure and motivation that make fitness habits stick.

If you already wear a smartwatch, care about your wellness metrics, or want insurance that aligns with your lifestyle, Manulife Vitality is worth considering.

Start your quote on Aeva.ca. Compare plans, toggle the Vitality option, and see exactly how much value the program can add for you or your family.