Two common weight loss jabs could invalidate travel insurance for 500,000 people

Experts have issued a warning that approximately half a million individuals using weight loss injections could potentially jeopardise their travel insurance this summer. Medications such as Mounjaro and Wegovy, utilised to combat diabetes and obesity, have experienced a surge in demand following their NHS approval.

Private prescriptions for these drugs are also on the rise, with an estimated 3.4 million people predicted to be eligible for treatment on the NHS alone over the next 12 years. However, those using these weight-loss injections are now being cautioned that they could risk their crucial travel cover if they plan to holiday this summer.

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According to the Daily Mail, it's mandatory for travellers to disclose any pre-existing conditions and medication when obtaining insurance. Yet, many people using weight-loss injections might not view it as medication or may neglect to declare it when purchasing cover.

Experts have clarified that these drugs are categorised as treatment, even if procured online without a GP's prescription.

They warn that failure to disclose usage of weight-loss injections and any associated health conditions could result in insurers refusing to pay out in the event of a claim, reports Bristol Live.

Kara Gammell, from comparison website Money Supermarket, has advised: "If you're prescribed these drugs for obesity, diabetes or any other condition, it's essential to declare both the medication and the underlying health issue when buying your policy.

"Failing to do so could invalidate your cover - even if your claim has nothing to do with the treatment.

Ms Gammell also warned that those receiving private prescriptions must still disclose their medication, stating: "Insurers don't distinguish between NHS and private prescriptions - if you're taking it, they need to know. The fact that it wasn't prescribed through your GP doesn't exempt you from disclosure."

She emphasised the necessity of transparency, particularly for those who have procured medication privately. Even individuals consuming these drugs without a prescription are not excused.

The Association of British Insurers (ABI) warns: "If any prescription medicine is taken without approval from a doctor, especially if it may have side effects that could lead to complications, this could void your cover and cause issues should you need to make a claim."

The Association of British Travel Agents has also advised ITV News that it is always wise to check with the FCDO travel advice to see if there are any restrictions in place when taking medications into the country you are visiting.

Not all countries have given the green light to the same weight-loss medications as the UK, and airport authorities might raise questions about any drugs they discover, particularly if they're not sanctioned in their nation.

The ABI found that the average insurance claim for individuals aged between 36 and 40 is £518, which jumps to £1,830 for those aged 71 to 75. In more extreme scenarios, insurance claims can soar into the tens of thousands.

Yet, securing single-trip coverage for Europe can be quite economical, starting at just £16, according to Go Compare. ITV's experts advised: "First of all, you need to declare a pre-existing condition to your travel insurance provider anyway. This will likely result in a higher premium, but if you do not and the provider finds out, they may cancel your cover."

They further caution: "They will also likely refuse to pay out if you fall ill due to the condition while on holiday. If one of the jabs has been prescribed for the preexisting condition they it is unlikely you will need to also reveal the medication you are taking for it."

Insurance companies, including industry leader Aviva, have varied stances on this matter. Aviva insists that customers must disclose any diagnosed illnesses, diseases, or injuries for which they've been prescribed medication, clarifying: "This includes anyone who has been prescribed weight loss medication for obesity.

"If a customer fails to disclose a medical condition for which they've been prescribed medication, we will not cover any claims relating to this under the terms of the policy."

Staysure also recommends that customers disclose their use of weight loss injections, treating them like any other prescribed medication. Not doing so could void your insurance for any medical claims 'directly or indirectly linked to the medication'.

The insurer added: "We can provide cover if the jab is prescribed by your GP or through a registered pharmacy, it's part of a proper weight-loss plan, is on your medical records and your doctor confirms you are fit to fly.

"You'll also need to make sure the jab doesn't clash with any other medicines you're taking, which will be assessed by the medical professional."

Admiral Group requires customers to reveal medical conditions like obesity and diabetes, though not necessarily the medication itself. A spokesperson clarifies: "Failing to disclose the underlying condition it's prescribed for - typically obesity or diabetes - could invalidate the policy."

Co-op notes that failing to declare medication wouldn't 'automatically' void coverage, though if the injections are connected to a medical condition, this should be mentioned during medical screening.

The Post Office consistently advises customers to declare any medical condition requiring prescription medication. It's advisable to discuss this with your insurer.

It's wise to secure written confirmation that your policy covers the treatment.

Ms Gammell recommends travellers to carry a copy of their prescription or a doctor's letter and keep their medication in its original packaging: "This helps avoid issues at customs and makes it easier to replace lost or stolen medication abroad."