Overview

• Consumer Intelligence found 26% of 1,000 UK adults were unsure how to classify use of Mounjaro, Wegovy or Ozempic when buying insurance, with 24% calling them medical treatments and others labeling them cosmetic or lifestyle tools.
• The Association of British Insurers says policyholders should disclose pre-existing medical conditions along with any prescribed medication or treatment, and advises contacting providers if unsure.
• Some insurers, including Admiral, have added dedicated website guidance telling customers to declare weight-loss injections when arranging cover.
• Those who disclose GLP-1 use can face higher premiums or refusal of cover, with GoCompare reporting an average £5 per day for single-trip policies for customers with pre-existing conditions, around £2 more than those without.
• Roughly 1.5 million people in the UK use these drugs, while FCA data show 27% of single-trip claims were rejected in 2022 and the Financial Ombudsman logged 8,366 travel insurance complaints since 2023–24, with medical disclosure disputes a key driver.