Wedding Insurance Questions & Answers (FAQ)

Residents of U.S. may purchase coverage. The Insured / Policyholder, Bride and Groom must be at least 18 years of age. A honoree will always be defined as an insured on the policy but may or may not be the named insured. The Named Insured can be either of the honorees or someone such as a parent or other family member that has a financial stake in the wedding.

Please note: The Wedding Protector Plan® is currently not available to residents of Alaska, Hawaii, & Louisiana.

Should you experience a covered loss, your non-recoverable costs can be as much, if not more, than the cost of an automobile. The quality of your wedding day may depend upon your decision to insure against financial loss. For example, you buy insurance to provide a replacement automobile against unfortunate mishaps. Why not protect your wedding like you would your other valuable investments?

For examples of possible wedding day disasters see Why Wedding Insurance.

Yes, you can view a sample policy specific to your state. View Sample Policy.

The basic policy (Core Coverage) can reimburse you in case you lose your non-recoverable deposits and purchases if covered circumstances beyond your control cause you to cancel or postpone your wedding. You can also be protected against no-show or bankrupt vendors, damage to wedding attire, damaged gifts and much more.

The Private Event Insurance Policy does not provide coverage in the event that either the bride or groom changes their mind and does not want to proceed with the wedding.

It is recommended that you choose a coverage level equal to the amount you would stand to lose in a worst-case scenario if you were forced to reschedule your wedding at the last minute. Consider costs and deposits of venue, gown, wedding rings, caterers, entertainment, flowers, cake, invitations, even postage, etc.

Wedding Protector Plan® Quick Quote

You should select the state in which you reside.

Please note: The Wedding Protector Plan® is currently not available to residents of Alaska, Hawaii, & Louisiana.

Deposits of the honoree(s) and their "immediate family" could be covered. "Immediate family" is defined in the Special Provisions as the parents, children, and grandparents of an honoree who has paid for or contracted to pay for any item, service or location covered under the policy.

If circumstances beyond your control (for example, an unforeseen deployment or withdrawal of leave) cause you to cancel or postpone your wedding, we can provide reimbursement for non-recoverable expenses.

The Wedding Protector Plan® makes a distinction between a rainy day and truly severe or catastrophic weather, such as a hurricane. If catastrophic weather causes you to cancel or postpone the wedding, we can provide reimbursement for non-recoverable expenses.

Coverage can be purchased as early as 2 years before your wedding day and as late as 24 hours before your event in most states. We recommend you purchase coverage as soon as you begin making deposits and purchases for this event. Purchases already made can be covered provided you have receipts for them and you did not know of any impending or existing claim situations when you purchased insurance.

Yes. You can purchase coverage for locations in U.S. and its territories and possessions, Puerto Rico, Canada, United Kingdom, Bermuda, the Bahamas, Turks, Caicos, the Caribbean Islands (excluding Cuba & Haiti) and cruise ships leaving from a port within these territories. There is no additional cost for these locations.

Policy premium, taxes, and any other charges are fully earned once the policy is issued with exception of residents of New York, New Hampshire and Oregon.

If your wedding is canceled due to a necessary and unavoidable covered reason, any non-recoverable travel and accommodations for your honeymoon may be covered under the Cancellation / Postponement coverage up to the covered limit on the policy.

Postponement or cancellation of the honeymoon for any reason other than cancellation or postponement of the wedding will not be covered under the Wedding Protector Plan®.

Liability Insurance is an optional coverage that can provide coverage for bodily injury, property damage, and personal injuries to third parties at the location of your event. You also have the option to include liquor liability coverage, which protects you from alcohol-related suits brought as a result of an intoxicated guest who was served alcohol at a wedding you hosted. You may add your Venue(s) as Additional Insured at no additional cost.

Liquor liability coverage may be added to the liability coverage you purchase for a nominal fee. Liquor liability coverage is designed to protect you the honorees and named insured against alcohol-related accidents. For example, if an accident is caused by an intoxicated guest at the event site, that could result in liability for you. Liquor Liability coverage is available up to the liability limit on the policy.

No, there is no deductible with our insurance coverage. Many of the other event insurance providers have high deductibles.

Yes, the liability endorsement on the special event policy will allow you to name your Ceremony, Reception, and Rehearsal Dinner venue as additional insured at no additional cost.

In most cases special wording is not a problem, however it is recommended you call our customer service line for assistance or email us with the specific language required so we can determine if it is acceptable.

No, the Wedding Protector Plan® offers coverage for the Named Insured and the Honorees. The venue is the only entity that can be added as an Additional Insured.

The liability portion of your policy remains in force until 2:00 AM the morning following your insured event date.

Travelers claim service is available to assist you in the handling of any claim 24/7 at 800-CLAIM33 (800-252-4633).

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to individuals meeting our underwriting criteria and state availability.