As weight-loss drugs like Ozempic and Mounjaro become more popular, UK travellers are warned to declare their use on travel insurance forms or face claim refusals and hefty bills abroad.
British travellers are facing a significant warning regarding the implications of not declaring the use of weight-loss medications, such as Ozempic and Mounjaro, on their travel insurance policies. This issue, highlighted by Niraj Mamtora, director at Forum Insurance, underscores the complexities surrounding medical disclosures and insurance contracts.
As weight management drugs gain popularity, more individuals are incorporating them into their health regimens, often underestimating the impact their use may have during travels. Mamtora asserts that failing to declare these medications when applying for travel insurance can constitute a breach of contract. He emphasises, “If you’re using these drugs, you must declare both the medication and the condition it’s prescribed for.” The risk of non-disclosure is profound; claims could be denied and policies could be cancelled if travellers do not fully disclose their medical history. This could leave them financially vulnerable in the event of a mishap abroad, facing bills that could amount to thousands of pounds.
The growing trend of utilising weight-loss jabs may complicate the insurance landscape further. As more people begin using these medications, the likelihood of encountering issues with insurance claims is on the rise. Mamtora warns, “Many travellers only discover too late that their travel insurance claims are rejected, leaving them without support and facing potentially huge bills.” Such a scenario is increasingly plausible, particularly as the number of individuals opting for these treatments continues to grow.
In light of these concerns, Mamtora advises travellers to carry a copy of their prescriptions or a letter from their doctor, especially when travelling with medications. He also urges individuals to familiarize themselves with the regulations governing the importation of prescription drugs in their destination countries. The potential for insurance claims related to undeclared conditions or medications to be refused stretches beyond immediate health concerns, as Mamtora explains, “Even if the issue seems unrelated, you could find your claim rejected.”
This mounting concern serves as a stark reminder of the critical need for thoroughness when it comes to travel insurance. As weight-loss medications become more mainstream, the potential consequences of neglecting to disclose their use could leave British travellers facing unfavourable circumstances should they need to make a claim while abroad.
The responsibility lies firmly with the traveller to ensure that all relevant medical information is declared to avoid what could be a costly oversight.
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Source: Noah Wire Services
Noah Fact Check Pro
The draft above was created using the information available at the time the story first
emerged. We’ve since applied our fact-checking process to the final narrative, based on the criteria listed
below. The results are intended to help you assess the credibility of the piece and highlight any areas that may
warrant further investigation.
Freshness check
Score:
7
Notes:
The narrative appears to be original, with no exact matches found in recent publications. However, similar concerns about weight-loss medications and insurance coverage have been reported in the past. For instance, in March 2025, Gallagher Re highlighted potential cost pressures for insurers due to the adoption of GLP-1 weight management drugs like Ozempic and Mounjaro. ([insurancebusinessmag.com](https://www.insurancebusinessmag.com/reinsurance/news/breaking-news/ozempic-insurance-adoption-could-cause-cost-pressures--gallagher-re-529082.aspx?utm_source=openai)) Additionally, in October 2024, Reuters reported that weight-loss drugs did not curb health costs within two years. ([reuters.com](https://www.reuters.com/business/healthcare-pharmaceuticals/weight-loss-drugs-didnt-curb-health-costs-within-two-years-data-show-2024-10-24/?utm_source=openai)) These reports suggest that while the specific angle of the current narrative may be new, the underlying issues have been previously discussed. The absence of earlier versions with differing figures or quotes indicates a high level of originality. The report is based on a press release, which typically warrants a high freshness score. However, the reliance on a single source may limit the depth of the coverage.
Quotes check
Score:
10
Notes:
The quotes attributed to Niraj Mamtora, director at Forum Insurance, do not appear in any other online sources, indicating they are original to this report. This suggests that the content may be exclusive or original.
Source reliability
Score:
4
Notes:
The narrative originates from the Daily Mail, a publication known for sensationalist reporting and a history of inaccuracies. This raises concerns about the reliability of the information presented. The reliance on a single source without corroboration from other reputable outlets further diminishes the trustworthiness of the report.
Plausability check
Score:
6
Notes:
The concerns raised about the implications of not declaring the use of weight-loss medications on travel insurance policies are plausible, given the increasing popularity of drugs like Ozempic and Mounjaro. However, the lack of supporting details from other reputable outlets and the sensationalist tone of the report suggest that the claims may be exaggerated or lacking in depth. The absence of specific factual anchors, such as names of affected individuals or detailed case studies, further weakens the plausibility of the narrative.
Overall assessment
Verdict (FAIL, OPEN, PASS): FAIL
Confidence (LOW, MEDIUM, HIGH): MEDIUM
Summary:
The narrative raises valid concerns about the implications of not declaring the use of weight-loss medications on travel insurance policies. However, the reliance on a single, sensationalist source with a history of inaccuracies, the lack of corroboration from other reputable outlets, and the absence of specific supporting details diminish the overall credibility of the report. Therefore, the assessment is a 'FAIL' with medium confidence.
