The short answer
Nicotine users pay 2–3× non-smoker rates. Insurers test urine cotinine at underwriting — this catches cigarettes, vapes, patches, gum, and cigars. Occasional cigar use is treated as smoking on most carriers. Reclassify by staying nicotine-free 12+ months and requesting a reclassification underwrite.
Frequently asked
- Does marijuana count?
- Some carriers no longer classify marijuana as tobacco. Depends on carrier and state.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription