Can we please stop saying vaping is harmless or insinuating such? It is nowhere are harmful assmoking but it is not harmless. Yes insurance is a money making racket, but they are a business and will always seek to generate profit based on your risk profile.
I see too many posts here implying that vaping is some wunderkind with no bad effects. The truth is that we simply do not know the long term effects, and there are many small indicators that it's not harmless. So of course an insurance company and any health professional is going to weigh that up against you.
Yes, it's not smoking and should not be classified as such, but it's still a relatively unknown factor at this point as well, so no insurance company is going to give you a gold star for doing it, you may be reducing your overall harm based on smoking but you are not engaging in a harmless act.
