Wedding and Special Event Insurance FAQs

The cost of a wedding can be considerable, and tying the knot often means being tied to specific dates and financial commitments with a variety of vendors. 

A basic wedding insurance policy (or “core coverage”) can reimburse you for non-recoverable deposits and purchases if covered circumstances beyond your control cause your wedding to be postponed or canceled. It also helps provide protection against no-show or bankrupt vendors, damage to wedding attire, gifts and much more, including: 

Working with an insurance representative to create a wedding insurance policy that helps address your individual needs and budget can help protect you and your loved ones against many wedding day mishaps. 

Note: As COVID-19 is a known infectious disease and presents circumstances that may reasonably give rise to cancellation and/or postponement of the event, coverage will not be afforded in any way for such circumstances. 

You should consider choosing a coverage level at least equal to the amount you would stand to lose if you were forced to reschedule your wedding at the last minute. Consider the cost of all purchases and deposits you have made for your venue, gown, wedding rings, caterers, entertainment, flowers, cake, invitations, postage and more. 

Your insurance representative can help you determine which coverages and wedding policy limits best fit your needs and budget. 

Choosing a wedding insurance policy that helps address your coverage needs starts with choosing the right insurance company. 

Travelers has been an insurance leader, committed to keeping pace with the ever-changing needs of our customers, for over 160 years. As one of the nation’s largest casualty companies, we offer a variety of competitive policy options and packages to ensure you get excellent coverage at a reasonable price. 

We also understand that having insurance is about more than just protecting your special day. It is about making the process after any incident as simple and stress-free as possible. We’re here to support our customers when the unexpected occurs, with fast, efficient claim services and insurance specialists available 24 hours a day, 365 days a year. 

Any resident of the United States who meets our underwriting criteria may purchase coverage. Our Wedding Protector Plan^®, however, is not currently available to residents of Alaska, Hawaii and Louisiana. 

The wedding insurance policyholder, bride and groom must be at least 18 years of age. The named insured on the policy can be either the bride or groom (also known as “the honorees”) or anyone who has a financial stake in the wedding, such as a parent.  

Coverage can be purchased as early as two years or as late as 24 hours before your planned wedding day.* It is best to purchase coverage as soon as you begin making deposits and purchases for your wedding.   

Purchases you have already made will be covered, as long as you have the receipts and did not know of any impending or possible claim situations prior to purchasing your policy. 

*Note: Our Wedding Protector Plan^® is not currently available to residents of Alaska, Hawaii and Louisiana. 

Yes. You can purchase coverage for weddings in the following locations at no additional cost:  

** Note: Extreme weather exclusions apply to cancellation or postponement of the wedding/event if it occurs less than 15 days after the policy inception date. 

Special event liability coverage is an optional addition to your event insurance/Wedding Protector Plan^® that can cover bodily injury, property damage and personal injuries to third parties at the venues where your wedding ceremony, reception and rehearsal dinner will be held, if you are legally responsible. Contact venues in advance, as they may require you to show proof of liability insurance. 

You can add venues to your policy as named insureds at no additional cost. Extra protection, such as liquor liability insurance, can be purchased separately. 

Your insurance representative can help you determine which additional coverage options and limits best fit your needs and budget. 

Wedding or special event liability insurance is an optional coverage that can cover damages to the venue or injuries to guests. This optional addition to your wedding policy starts at $165* and requires the purchase of wedding cancellation coverage. 

*This is the starting price in most U.S. States. 

Yes. Coverage is available if there is an unexpected illness, injury or death that prevents the honorees (i.e., the bride or groom), their parents, grandparents, children or ceremony officials from attending the wedding. Speak with your insurance representative or refer to your policy for full details regarding the exclusion of coverage for pre-existing conditions. 

Note: As COVID-19 is a known infectious disease and presents circumstances that may reasonably give rise to cancellation and/or postponement of your event, coverage will not be afforded in any way for such circumstance. 

If your wedding is canceled due to a necessary and unavoidable covered reason, any non-recoverable honeymoon expenses, such as travel and accommodations, may be covered under the cancellation/postponement provision of your Wedding Protector Plan^®, up to the policy limits. 

Postponement or cancellation of the honeymoon for any other reason will not be covered.