Wedding Insurance: Financial Protection Against the Unexpected

Disclaimer!

Just want to make you aware that the wedding insurance information in this hub is taken from Canadian information. It may be the same worldwide, but please check with your wedding insurance agent to be sure. Thanks.

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Congrats! You're Engaged

It's so romantic. He's chosen a spot that's special to both of you. With eyes full of love and a soft or wavering voice, he proposes. You say, "YES!" *sigh!* It's true love, forever love. Nothing can go wrong, ever. All that's left to do is make your announcement to friends and family, and plan your big day. That day you've been dreaming of your whole life. The one you'll remember always. Sounds perfect, doesn't it?

Why You Might Consider Buying a Wedding Insurance Policy

Usually, everything does go perfectly for the wedding day. Oh, there's typically some (!) stress beforehand, and the occasional humorous story or two, but as a rule, the day is wonderful and goes off without a hitch of any consequence. Sometimes, however, things beyond your control may contribute to problems that end up costing you money.

For example:

  • Someone falls ill
  • The wedding clothes become damaged or ruined
  • Job loss before the wedding that makes it difficult to pay
  • The caterer or reception hall fails to come through

These are not common occurrences, as I said, but have been known to happen. Depending on how expensive your wedding day is, it may well be worth investing a little in insurance.

You're Getting Married!

Is Wedding Insurance Right for You?

Wedding Disaster

Wedding Insurance - Cancellation

This type of wedding insurance covers a broad range of potential causes of cancellation and covers deposits and other monies paid out.

Coverage - Wedding or reception transportation, catering serves, accommodation, photographs, flowers and dress rental, booked but not used, as well as other non-refundable cancellation expenses.

Legitimate Reasons for Cancellation - Lots of Financial Protection

The situations below apply to the Bride or Bridegroom and any of their immediate family. Immediate family is defined to mean parents, children and siblings, as well as their step counterparts. It even includes aunts and uncles.

  • Death, injury or illness
  • Compulsory quarantine
  • Witness summons
  • Jury duty
  • Involuntary and undesired loss of employment. The Insured must qualify for payments under the unemployment insurance act. You cannot intentionally lose your job.
  • The Premises booked or arranged for the Wedding or Reception being unable to hold the ceremony or reception following damage by any cause. This also includes outbreak of infectious or contagious disease, murder or suicide occurring at the premises or closure by the local authority.
  • Loss or damage beyond repair by any cause to the bridal attire occurring within five working days of the Wedding, every effort having been made to purchase or hire alternative bridal attire for the ceremony.
  • The booked Wedding transport is a no-show. The Insured must make every effort to make alternative arrangements for transportation.

If the bride or groom has been called to an unforeseen military posting overseas, this is also an allowable cancellation and covered by the insurance company. This does only apply to the two people getting married, not their immediate families.

What is Not Covered - Naturally, there are situations that Wedding Insurance just will not cover.

  • Cancellation or change of plans due to damage of outdoor tents and the like. They expect other, back up arrangements to kick in.
  • A bridal accessory alone. You are covered if other bridal attire is damaged or lost at the same time.
  • Cancellation due to being jilted at the altar.
  • Cancellation due to death, injury, quarantine, illness or disablement IF the circumstances have been self-inflicted, one of you received a terminal diagnosis prior to buying the policy or if the circumstances are the result of insanity or high risk pursuits (sky-diving, hunting, etc. - ask your agent)
  • Cancellation due to pregnancy unless the bride has at least two more months to go after wedding

There are a few more, but these will give you the idea. Again, please ask your Wedding Insurance agent for the specifics. Naturally, your insurance company expects you to take great care and precautions. Wedding Insurance is supposed to be financial protection against things going wrong, for the unexpected.

Photographs

As part of the Wedding Insurance package, your wedding photos are covered, or at least the additional expense to have them retaken if the photographer didn't show up or lost the pictures.

Bridal Attire

Clothing for the bridal party (includes the rented attire for the groomsmen) is insured from the time they are in your possession until the wedding ceremony is over.

Wedding Presents

Gifts received by the bride and groom are covered for a period of 72 hours before and 72 hours immediately after the wedding ceremony against damage and loss.

Wedding Insurance Exclusions

If you've ever purchased insurance of any kind before, you know that there are always items or circumstances that are exluded from coverage. Some I've already pointed out.

It only stands to reason that mysterious disappearances of gifts and cash are not covered by the insurer. There may be other things that fall into the exclusion category and you should always ask as many questions as you need to in order to feel that you understand what they are. Often times, a good and careful read of the contract will tell you all you need to know.

Honeymoon Cancellation Insurance

As mentioned, things happen sometimes. If you've had the misfortune to have your wedding cancelled due to any of the criteria set out by the insurance company, you are probably eligible for Honeymoon Cancellation Insurance, as well.

Some insurance companies reimburse the pre-paid, non-refundable travel expenses. You must be able to provide the unused tickets and any documentation meant to prove the reason for cancellation that your insurance company asks for.

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My Opinion

This is just my personal view on Wedding Insurance. I think that if you are going before a Justice of the Peace, or just having a private ceremony in your home, you probably don't need it. However, if you're spending the average $16,000 (or other large sum) as mentioned in the video, it seems like a very prudent idea to me. That way, if something does go wrong, you are going to be saving yourself a ton of money.


Wedding Insurance: Financial Protection

Graphic designed and graciously donated by the talented ProCW
Graphic designed and graciously donated by the talented ProCW

Wedding Insurance: Financial Protection Against Things Going Wrong

Do you think that Wedding Insurance is a good idea for large weddings?

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A proud HubMob particpant!  Graphic designed by ProCW
A proud HubMob particpant! Graphic designed by ProCW

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Comments 24 comments

EYEAM4ANARCHY profile image

EYEAM4ANARCHY 7 years ago from Las Vegas, NV.

That's pretty useful. It would be even more useful if you could go for double or nothing after the ceremony; or get some sort of odds based on longevity.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Haha, EA4A, that's funny. I'll bet you could sell a lot of that kind of insurance!


Frieda Babbley profile image

Frieda Babbley 7 years ago from Saint Louis, MO

I had no idea wedding insurance existed! Fascinating info. Thanks Shirley. Great Hub.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Thanks, Frieda! Actually, I never even thought of it, probably never would have. ProCW is the one that put this bug in my ear.

I called my son to ask if he sold wedding insurance, expecting him to say no, but he does, so I was able to get these details. Guess I would want it too, if I was spending the average mentioned in that video!


Frieda Babbley profile image

Frieda Babbley 7 years ago from Saint Louis, MO

Yeah. That amazes me. I just don't understand spending that much money on one day. I bought my wedding dress from Sax Fifth Avenue for 100 dollars, it was the only one left and on the manaquin. It was just a simple white dress, not even for a wedding. We went to the justice of the peace with our two friends and witnesses, we all had dinner, and then we traveled around for a few months. That's were the money was spent. It was worth it. We'd do it all over again.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

I know people who've gone into debt for a couple of years to pay for a big wedding. I've even known people who were still paying for the wedding after the marriage broke up.

I'd rather do it your way. Actually, I did, but not the travelling. I'd much rather spend the money on travel than on a huge, one day event.


Cris A profile image

Cris A 7 years ago from Manila, Philippines

what am i doing here? get me outta here!!!! but of course i had to check what you have to say - be it the Beatles, unborn plants and yes, wedding insurance.

I want i'm trying to say is, hi! :D


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Hi, Cris!! :) No plans on tieing the knot anytime soon?


Cris A profile image

Cris A 7 years ago from Manila, Philippines

you mean commit suicide? LOL no, i'm happy swinging to and fro. i'm no good with commitments.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Oh, not true! You are a committed hub-aholic, remember....devoted fan....loyal reader. You'll make some lucky person a wonderful hub-husband!


Cris A profile image

Cris A 7 years ago from Manila, Philippines

oh you're right! must get myself one of those hub rings then! committed and faithful, too! :D


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Hope I get invited to the ceremony!


In The Doghouse profile image

In The Doghouse 7 years ago from California

Shirley,

I had never heard of wedding insurance before. This is an interesting new concept for me! lol Great information.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Doghouse, it had never occurred to me that such a thing even existed. It was ProCW that suggested, and I'm glad it did. It certainly makes sense to have wedding insurance if you're spending half a year's salary on a single event.

Thank-you for dropping by and commenting!


Write On! profile image

Write On! 7 years ago from United States

With the price of the average wedding soaring, this is most likely a good idea.

Write On!


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

I agree, Write On. I imagine you'd be kicking yourself afterwards if something did happen and you weren't insured.

Thanks for commenting!


Princessa profile image

Princessa 7 years ago from France

Wow, I didn't know that there was such a thing as wedding insurance. It sounds like a very good idea if you are spending a fortune on your wedding.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Yeah, Princessa. If I was forking out that much on my wedding, I'd feel a lot better having some insurance....now that I know it exists.


Getting Pregnant 7 years ago

Great info for me...since I never heard about wedding insurance before. Btw, how we make the claim if something wrong happens?


Wedding Insurance Comparison 7 years ago

Wedding insurance is certainly worth considering, particularly in the current economic climate with so many companies suddenly going out of business.

It's also worth looking at your home insurance or credit card. Both of these might provide some level of protection against things like damaged/lost wedding gifts or lost deposits.


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

Getting Pregnant, sorry I wasn't ignoring your comment. For some reason or other, it didn't appear until today. It was in 'spam' status.

To answer your question, if you need to make a claim, call your insurance company. They will likely pass you over to an adjuster, who will give you a claim number and tell you how to proceed.

Hope this helps. Thanks for visiting!


Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada Author

W.I.C., thank-you for that information! What great advice! If you can get wedding insurance through your existing services, there's no point in buying additional coverage.

Thanks.


Dolce Sposa 6 years ago

Wedding insurance is also becoming a pre-requisite for some wedding vendors, as they also want to minimise disputes in the event of unforeseen circumstances. Think of it as an investment in your own peace of mind given the substantial wedding costs and the numerous things that could go wrong leading up to and on your big day itself. And an extra tip: wedding insurance comparison sites are a good place to start, but also check the detailed terms of coverage to ensure they include the situations you want covered! Don't just look at the cost of the insurance policy and the amounts covered, you need to also know when they'll pay out!

Regards,

Dolce Sposa


Shirley Anderson profile image

Shirley Anderson 6 years ago from Ontario, Canada Author

Thanks for the additional, helpful info, Dolce. I know it will help save some couples from potential headaches.

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