Weddings and honeymoons involve big costs and lots of moving parts. Travel insurance can protect the trip, but it doesn’t usually protect the wedding itself. Here’s how to cover both.
What travel insurance covers for a honeymoon
A honeymoon is a standard trip, so normal sections apply: emergency medical costs, cancellation if an accepted reason forces you to cancel, baggage, delay and liability. See what travel insurance covers. Buy it as soon as you book. See when to buy travel insurance.
What it doesn’t normally cover
- The cost of the wedding itself, such as venue, catering and suppliers
- Cancellation because you or your partner changes your mind
- Supplier failures, such as a photographer not turning up
- Expensive wedding items above the limits
Wedding insurance
For the event itself, a separate wedding insurance policy can cover cancellation or postponement for accepted reasons, supplier failure, damage to the venue, and loss of rings, dress or gifts. It’s separate from travel insurance and usually bought as soon as you book the venue. Check what it covers and any exclusions.
Destination weddings
If you’re marrying abroad, you’ll need both types of cover. Also check:
- Guests. Each guest needs their own travel insurance, or a group policy if one is offered.
- Medical limits suited to the destination. See travel insurance for the USA if relevant.
- Valuables. Rings and dresses may exceed single-item limits. See gadget and valuables limits.
- Cancellation reasons, such as illness of a close relative. See cancellation cover.
- Weather. See natural disasters and extreme weather.
Tips
- Keep contracts, receipts and correspondence with suppliers.
- Declare medical conditions for each traveller.
- Consider paying large deposits by credit card for extra protection. See credit card travel insurance.
- Check whether a package honeymoon has other protections.
Frequently asked questions
Does travel insurance cover wedding cancellation?
Not usually. Wedding insurance is a separate product that covers the event.
Do I need travel insurance for a honeymoon?
Yes, it’s a good idea. It covers medical costs, cancellation, baggage and delays.
Are wedding rings covered?
Often only up to the single-item limit, so check. Wedding insurance or home insurance may offer more cover.
Do wedding guests need their own cover?
Yes. Each guest should have their own travel insurance for a destination wedding.
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This article is general information, not financial or insurance advice. Always read the policy documents before you buy.
