With the growing popularity of GLP‑1 or related medications like Mounjaro (Tirzepatide), Wegovy, Ozempic, and others for weight management, a common concern is whether taking one of these drugs means you need to declare it when buying travel insurance.
The short answer is: it depends — and the more cautious (and safer) approach is to check with your insurer. Below is a breakdown of how this typically works and how to stay covered.
What Are These Medications, and Why It Matters
Medications like Mounjaro are prescribed to support weight loss or manage metabolic health. Because they are medical treatments, rather than cosmetic or 'lifestyle' aids, insurers may view them as part of a pre‑existing condition or ongoing therapy — particularly if there is a diagnosed condition behind their prescription (for example obesity, diabetes, or metabolic syndrome).
If you fail to tell an insurer about relevant medications (or the conditions they treat), your policy may be considered under declared, which could lead to a refusal of claims or voiding of the policy. Many insurers explicitly require disclosure of medications and the conditions requiring them as part of the medical screening process.
What Are These Medications, and Why It Matters
Medications like Mounjaro are prescribed to support weight loss or manage metabolic health. Because they are medical treatments, rather than cosmetic or 'lifestyle' aids, insurers may view them as part of a pre‑existing condition or ongoing therapy — particularly if there is a diagnosed condition behind their prescription (for example obesity, diabetes, or metabolic syndrome).
If you fail to tell an insurer about relevant medications (or the conditions they treat), your policy may be considered under declared, which could lead to a refusal of claims or voiding of the policy. Many insurers explicitly require disclosure of medications and the conditions requiring them as part of the medical screening process.
What You Should Do to Protect Your Coverage
Top Tips to minimise risk and ensure your travel insurance policy remains valid:
- Review your insurer’s medical declaration questions carefully and if in doubt, contact them to confirm.
- Always answer any medical declaration questions accurately and completely to avoid issues with future claims.
- Disclose any changes in your medication or health before you travel as this could impact claiming in the future.
- Keep medication in original packaging and carry proof of your prescription when travelling.
This article is intended for general information only and does not constitute financial or medical advice. Always check your individual policy terms or speak to your insurer for guidance.