Travel Insurance Cover

[ChimneyRock]

Has anyone declared their Mounjaro (or other) use on their travel insurance renewal? I've just spoken to my provider and apparently they will not countenance covering me at all (even as an exempted condition) because it's not specifically prescribed by my GP (even though they know about it) and it's not for a medical condition.
I've seen a couple of posters say on threads here that their insurers weren't bothered. Can anyone give me recommendations for companies to try?

I had a very honest conversation with my insurer about it, you declare against conditions not based on specific medications. Some conditions then ask about very specific types of treatments or medications but not all, it varies and the industry has pretty standard questions amongst insurers.

The declaration would be obesity which will come up on a medical screening as a medial condition and then has specific questions set against it by insurers.

If you are prescribed it for obesity then you just need to declare obesity to your insurer and answer the questions that are set to that, which don't actually ask about medications but you will have genuinely been through their screening for the condition to which you have a prescribed medication for.

That was the advice and stance my insurer took

Right, thank you. Maybe I asked/answered the wrong questions on the phone just now then, as she asked if I was obese and I said "not now but that my BMI had been over 30, hence being prescribed online."
Who are you insured with?

Also, my (current/previous) insurers are quibbling over who prescribed it as it wasn't my GP (although they know about it). Very few people are prescribed on the nhs, after all.
I just tried a dummy quote on a website and put in Obesity (even though I am not now obese after 3 months on the jabs) and it didn't ask any questions about medications.

I've had cover with aviva and through my bank, both times the questions on the medical screening were the same. The first time I asked them, and was told that was the only relevant condition.

Its conditions you disclose not medication, if your insurer isn't asking about treatment when disclosing the relevant condition the condition is covered, any treatment/medication issues would be same as with any condition. If legitimately prescribed I'm not sure what the insurer would be trying to get away from as lots of private treatment, not just these injections but any condition where you may then go to bupa or Nuffield etc for treatment privately. That's not via GP but still medical treatment.

But if no longer obese then you won't have the condition to disclose, so what are you trying to get covered? Suffering something unforeseen due to a prescription medication would be unknown so can't prescreen for it until it happens??

I know - that seems common sense but I'm seeing things online that says you MUST disclose any medication you're taking, but none of the applications so far have asked for meds.

I've not been diagnosed with obesity or any weight related thing so I don't add that as a condition.

If they don't ask me what medication I'm on then I don't declare it. I take the mini pill but have never been asked about that either. I put Mounjaro in the same bucket.

It’s best to declare everything, so they don’t have any reason to not pay out!

How do you declare it in an online application though? It only came up for me because I phoned them about something else actually and mentioned it in passing.
If it's such an issue (for Staysure) then surely it must be for other companies too and why aren't they including it in their screening, if so?

I agree. I literally add everything they question on. (Which is why I'm paying £500 for an 11 day trip to the US later in the year). But they don't ask for any medications you're on. So I don't need to put them.

@ChimneyRock differnet insurers have differing criteria. I hate staysure after I had an argument over their Covid vaccination stance, so now insure with tescos (who insure regardless of vaccine status) and they don't ask me about current medications.

But the small print (on the policy documents) of another company (that didn't ask on the main application form) says this:
"After you have paid for your policy, you must tell us immediately if there is a change in your health (such as you getting medical advice for new symptoms, being diagnosed with a new medical condition, your prescribed medication changing, being prescribed new medication, being admitted to hospital, or being referred for tests, investigations or treatment), whether or not you have any trips booked."

"Being prescribed new medication." Surely that's the get-out clause if one doesn't inform them?

Yes but on telling an insurer you've been prescribed a new medication the next step is them asking "for what", they then screen the condition it's prescribed for as that what insurance then covers.

So, I can only apply via a telephone conversation? Not online as it's not a detailed-enough form?