Toad for Oracle 126.96.36.1991 (and previous versions)
If you use a grid's "Export Dataset.." and select "Insert Statements", it includes virtual columns and their data. It shouldn't as they are read only. However, including virtual columns comes into play in some of the options, e.g. I sometimes don't want to include virtual columns in delimited text, or "select from dual" or "Merge Statements" etc, so a better option might be to have a checkbox "Include Virtual Columns" (perhaps unchecked for inserts by default).