Australians taking popular weight-loss and diabetes medications such as Ozempic, Wegovy or Mounjaro are being warned to read the fine print before heading overseas, or risk footing hefty medical bills.
Tens of thousands of Australians now use these drugs for diabetes management or weight loss, but many travellers don’t realise their travel insurance may not cover prescription medication costs – leaving them exposed if supplies run out mid-trip.
“Travel insurance can cover emergency medication you need while overseas, but it won’t cover the cost of replacing prescription medication you already take for a pre-existing condition,” said Natalie Ball, director of Comparetravelinsurance.com.au. “There are some exceptions, but if you run out of your medication abroad, you could be out of pocket.”
Why routine prescriptions aren’t protected
Most travel insurance policies exclude ongoing prescription costs, whether for Ozempic, antihistamines or daily cholesterol tablets. Cover may apply only when a lack of medication creates a serious medical risk.
Ball explained that while insurers’ emergency helplines can help locate a refill overseas, the replacement cost is usually on the traveller. “Your travel insurance emergency helpline is staffed by trained medical professionals who can guide you to the best place to refill prescriptions and provide medical advice and support,” she said.
Declare your condition – or risk paying everything
A key pitfall is misunderstanding how insurers define “pre-existing conditions.” Generally, any condition you’ve sought treatment for in the past year – or a chronic illness at any time – counts.
“If you are currently taking medication or are receiving treatment for a condition you should declare it to your insurer,” Ball said. “Travel insurance only covers you for unexpected medical problems, unless you’ve disclosed an existing condition beforehand.”
Even though you can’t list the medication itself, Ball stressed you must declare the condition it treats. “Whether you’re taking Ozempic for diabetes or another health issue, it’s essential to declare that condition. Failing to do so can leave you liable for all medical costs overseas. This includes any claims related to your Ozempic use or the underlying condition it treats.”
Before you fly
Ball’s checklist for travellers on prescription drugs:
- Declare all relevant conditions to your insurer.
- Don’t assume your medication will be replaced abroad – carry extra supply and prescriptions.
- Keep a doctor’s letter handy for emergencies.
- Know which medications are considered essential versus routine.
“Failing to declare a medical condition could turn a routine holiday into an expensive lesson,” Ball warned. “Declare your conditions, plan your supply, and travel protected.”
