Wedding Insurance FAQs
Wedding Insurance Policy Basics
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 again no-show or bankrupt vendors, damage to wedding attire, gifts and much more, including:
- Postponement due to family illnesses or travel delays.
- Military deployment.
- Products or services that failed to arrive when promised, like flowers or food.
- Bakers, caterers, bridal boutiques and wedding venues that go out of business.
- No-show photographers, DJs, musical acts and other services.
- Lost or damaged wedding rings, dresses and other attire.
- Damaged wedding cake or spoiled food.
Working with an insurance representative to create a wedding insurance policy that helps address your individual needs and budget can protect you and your loved ones against many wedding day mishaps.
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 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 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 existing claim situations prior to purchasing your policy.
You should get your wedding insurance policy in the state where you live. Please note that 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:
- The U.S., its territories and possessions**
- Puerto Rico
- United Kingdom
- The Bahamas
- Turks & Caicos
- The Caribbean Islands (excluding Cuba & Haiti)
- Cruise ships leaving from a port in any of these locations
*Note: Our Wedding Protector Plan® is not currently available to residents of Alaska, Hawaii and Louisiana.
** Note: Extreme weather exclusions apply to cancellation or postponement of the wedding/event if they occur less than 15 days after the policy inception date.
Yes, as long as the policyholder and both brides or grooms are 18 years of age or older. Any resident of the United States may purchase a basic policy. Our Wedding Protector Plan®, however, is not currently available to residents of Alaska, Hawaii and Louisiana.
Upon purchase, your policy and all related documents will be emailed to the email address you provided during the application process.
Policy premium, taxes and any other charges are fully earned once the policy is issued, with exception for residents of New York and Oregon.
Venue & Liability Insurance
Special event liability coverage is an optional addition to your Wedding Protector Plan® that covers bodily injury, property damage and personal injuries to third parties at the venues where your wedding ceremony, reception and rehearsal dinner will be held — contact these 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.
The liquor liability coverage option is designed to help protect you against the potentially high cost of injuries, damage or lawsuits resulting from alcohol-related accidents that may occur during your wedding ceremony, reception or rehearsal dinner. This coverage can be added to your basic liability policy for a nominal fee, and is recommended if alcohol will be served at any of your wedding events.
No. There is no deductible with Travelers Wedding Protector Plan liability insurance coverage — whereas many other event insurance providers have high deductibles.
The liability portion of your policy remains in force until 2 a.m. the morning following your insured event date. Any accidents, damages or losses occurring after this time will not be covered.
The Wedding Protector Plan® offers coverage for the named insured and the honorees (i.e. the bride and groom). The venues where your wedding ceremony, reception and dinner rehearsal will be held can be insured under your policy at no additional cost. Other vendors, such as DJs, bands, caterers, photographers and more, cannot be added to the policy.
The venues where your wedding ceremony, reception and dinner rehearsal will be held can be insured under your policy at no additional cost. In most cases, special wording is not a problem either — however, you should contact your insurance representative or call our customer service line for assistance with the specific language requirements so we can determine if the terms are acceptable.
Yes, you can add the venues where your ceremony, reception and rehearsal dinner will be held to the liability endorsement on your policy at no additional cost.
Yes. Deposits you have already made will be covered, as long as you have the contracts and receipts and did not know of any impending or existing claim situations prior to purchasing your policy.
If the wedding is postponed because a commercial transportation shutdown prevents the honorees (i.e., the bride or groom) or the parents, grandparents or children of the honorees from getting to the event, you may be reimbursed for non-recoverable expenses.
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.
If circumstances beyond your control, such as withdrawal of military leave, cause you to postpone your wedding, you may be reimbursed for non-recoverable expenses.
Coverage under the Wedding Protector Plan® makes a distinction between a rainy day and a truly severe weather event, such as a hurricane. If a catastrophic weather event forces you to postpone your wedding, you may be reimbursed for non-recoverable expenses.
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 the policy limits.
Postponement or cancellation of the honeymoon for any other reason will not be covered.
Wedding insurance does not provide coverage if either the bride or groom changes their mind and does not want to proceed with the wedding.
Deposits of the honorees (i.e. the bride or groom) and their “immediate family” could be covered. Immediate family is defined in the special provisions of your policy as the parents, children or grandparents of an honoree who has paid for or signed a contract for any item, service or location covered under the policy.
It is important to keep all receipts and contracts in the case you must file a claim.