Should You Avoid Traveling Abroad While Taking Ozempic, Mounjaro, or Wegovy?
Published: 2025-09-11 11:02:31 | Category: Lifestyle
Travel insurance is essential for safeguarding against unexpected events while abroad. However, thousands of Britons may be unknowingly invalidating their policies by failing to disclose the use of GLP-1 medications, such as Mounjaro, Ozempic, and Wegovy, to their insurers. These drugs, used for weight management and diabetes treatment, should be declared as they can be considered pre-existing conditions.
Last updated: 20 October 2023 (BST)
Key Takeaways
- Many Brits are unaware that GLP-1 drugs must be declared when purchasing travel insurance.
- Failure to disclose medication can lead to denied claims and policy cancellations.
- Understanding what constitutes a pre-existing condition is crucial for travellers.
- Insurers advise contacting them directly for clarity on disclosures.
- Maintaining proper documentation for medications is essential when travelling abroad.
The Growing Use of GLP-1 Drugs
GLP-1 (glucagon-like peptide-1) receptor agonists are increasingly prescribed in the UK for both weight loss and managing diabetes. An estimated 1.5 million people are currently using drugs such as Mounjaro, Ozempic, and Wegovy. These medications work by enhancing insulin secretion and suppressing appetite, making them popular choices for individuals seeking to manage their weight or control diabetes symptoms.
Travel Insurance: What You Need to Know
Travel insurance protects you against various unforeseen circumstances during your trip, covering everything from trip cancellations to medical expenses incurred abroad. However, to ensure comprehensive coverage, it’s crucial to be transparent about your health status when applying for a policy.
Understanding Pre-existing Conditions
A pre-existing condition typically refers to any health issue that existed before the start of a travel insurance policy. In the context of GLP-1 drugs, many users mistakenly believe that their medication falls outside this definition. A recent survey conducted by Consumer Intelligence found that over a quarter of respondents were unsure whether these medications would be classified as pre-existing conditions.
The Risks of Non-disclosure
According to Ian Hughes, chief executive of Consumer Intelligence, this confusion can lead to significant consequences for those purchasing travel and health insurance. The Financial Ombudsman Service reported a 19% increase in travel insurance complaints in 2024, with medical disclosure disputes being a primary cause. If you fail to declare your medication, insurers may refuse claims or cancel policies, exposing you to potentially hefty medical bills.
Why It Matters
Failure to disclose the use of medications like Ozempic, Wegovy, and Mounjaro is not a minor oversight. As Niraj Mamtora, director at Forum Insurance, explains, it constitutes a serious breach of your travel insurance contract. In emergencies, such as requiring medical assistance while travelling, you could find yourself responsible for costs that average £1,724 per claim. This scenario can quickly transform a dream holiday into a financial nightmare.
What to Declare
When purchasing travel insurance, it is essential to declare:
- All pre-existing medical conditions
- Any medications you are currently taking, including GLP-1 drugs
- Any recent changes to your health status
Even if prescribed for voluntary weight management, it may be necessary to declare obesity as a pre-existing condition. If you are unsure about what to disclose, reach out to your insurance provider for guidance.
Preparing for International Travel
In addition to declaring medications, travellers should be aware of regulations regarding prescription drugs in their destination country. Some countries have strict rules regarding the importation of certain medications, especially those that may not be approved or available locally.
Documentation is Key
When travelling with medications, it is advisable to carry:
- A copy of your prescription
- A letter from your doctor outlining your treatment
These documents can help clarify the necessity of your medication if questioned by customs or airport security. Always be prepared to explain your need for these medications, especially in countries with stringent drug regulations.
Conclusion
In summary, declaring GLP-1 medications when purchasing travel insurance is crucial for avoiding potential claim disputes. The implications of non-disclosure can be severe, leading to significant financial consequences if medical assistance is required abroad. Stay informed, ensure you communicate openly with your insurer, and travel safely.
FAQs
What are GLP-1 drugs?
GLP-1 drugs, such as Mounjaro, Ozempic, and Wegovy, are medications used to manage weight and diabetes by mimicking the hormone glucagon-like peptide-1, which regulates insulin secretion and appetite.
Why do I need to declare medications for travel insurance?
Declaring medications ensures that your policy remains valid. Non-disclosure can lead to denied claims and financial liabilities in case of medical emergencies.
What constitutes a pre-existing condition?
A pre-existing condition refers to any health issue or treatment that existed before the start of your travel insurance policy, which may include the use of certain medications.
What should I do if I’m unsure about what to declare?
If you’re uncertain about what to disclose to your insurer, it’s best to contact them directly for guidance to ensure your coverage remains intact.
What can happen if I don’t declare my medication?
If you fail to declare your medication, your insurer may refuse to pay for medical expenses incurred during your travels, leaving you to cover the costs personally.
How can I prepare for travelling with prescription drugs?
Carry a copy of your prescription and a doctor’s letter, and check the regulations of your destination country about bringing in medications to ensure compliance and avoid issues at customs.
