- What does the basic policy insure?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.
- What if I have already signed contracts and put down deposits for the wedding? Will those be covered?Yes, deposits you have already made will be covered as long as there is no impending claim or existing claim situation that you have knowledge of when you purchase the policy.
- How much wedding insurance do I need?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.
- Is there coverage if the bride and groom cannot make the ceremony due to a transportation shutdown?If you have to postpone your wedding because a commercial transportation shutdown prevents the honorees, parents, grandparents or children of the honorees from getting to the event, you can receive reimbursement for non-recoverable expenses.
- Does wedding insurance provide coverage for illness or injury to the bride or groom?Yes. Coverage will apply if there is an unexpected illness, injury or death that prevents the appearance of the honorees, parents, grandparents and children of the honorees or ceremony officiates. Refer to the policy for full details regarding exclusion of coverage with respect to pre-existing conditions.
- Am I covered in case of bad weather on my wedding day?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 postpone the wedding, we can provide reimbursement for non-recoverable expenses.
- Many people are helping to pay for the wedding. Will their deposits be protected?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.
It is important to keep all receipts and contracts in the case you must file a claim.