Wedding Cancellation Insurance

Wedsure’s cancellation and postponement coverage protects your nonrefundable expenses when unforeseen circumstances beyond your control force you to cancel or reschedule your wedding.

Cancellation coverage includes:

• Venue destroyed by fire, hurricane, or natural disaster
• Severe weather making the location inaccessible
• Lost deposits and nonrefundable expenses

Postponement coverage includes:

• Serious illness or injury to the bride, groom, or immediate family member
• Death of an immediate family member
• Car accident preventing key wedding party members from attending
• Officiant cancellation with no replacement available

Unique benefit: Wedsure goes above and beyond by also covering honeymoon expenses if you have to cancel your wedding for a covered reason beyond your control.

Wedsure’s cancellation coverage starts at just $125 and covers up to four events: Rehearsal, Rehearsal Dinner, Ceremony, and Wedding Reception.

Like all insurance policies, certain situations fall outside coverage to ensure the policy protects against truly unforeseen events:

Standard exclusions include:

• Pre-existing medical conditions – Known medical issues at the time of policy purchase
• Normal weather – A rainy day doesn’t qualify; coverage applies to catastrophic weather like hurricanes
• Vendor switches by choice – Deciding to change caterers or florists after paying deposits
• Poor quality photos or videos – Subjective dissatisfaction with vendor work

Important note: Only nonrefundable expenses paid by the policyholder (Named Insured) and the couple are covered under the cancellation policy.

Wedsure makes filing a claim simple and accessible. You have two convenient options:

1. Online: Use Wedsure’s quick, interactive contact form to report your claim at wedsure.com/contact-us
2. Phone: Call 1-800-364-2433 to report a claim.

When filing your claim, have the following ready:

• Your policy number

Wedsure’s claim representatives will guide you through every step of the process. With backing from A+ rated Arch Insurance, you can trust that your claim will be handled by experienced professionals who understand how stressful this situation is for you.

Yes! Wedsure provides instant coverage all the way up until the night before your first event.

Unlike some insurers that require weeks or months of advance notice, Wedsure understands that couples may need last-minute protection. Our insurance is available to quote and purchase online 24/7. We accept major credit cards, debit cards, and electronic checks.

What you’ll receive immediately:

• Policy documents emailed within minutes of purchase
• Acord Certificate of Insurance (COI) for instant proof of coverage
• Coverage that starts right away

However, we always recommend purchasing coverage as early as possible in your planning process. The sooner you’re protected, the more deposits and expenses will be covered if something unexpected happens.

Refund policies vary by insurance provider and state regulations. Some wedding insurance policies are nonrefundable, while others may offer partial refunds under certain conditions.

For specific information about Wedsure’s cancellation and refund policy, we recommend:

• Reviewing your policy documents carefully before purchase
• Contacting a Wedsure insurance specialist at 1-800-ENGAGED (1-800-364-2433), Monday–Friday, 5:30 AM–5:00 PM Pacific Time
• Using the online contact form to request information about your specific situation

Important: Read your policy terms carefully to understand any refund limitations before purchasing. This ensures you know exactly what to expect if your plans change.

Choose cancellation coverage that matches the total value of your nonrefundable deposits and expenses. Here’s how to calculate the right amount:

Step 1: Add up all nonrefundable costs

• Venue deposits and rental fees
• Catering deposits and final payments
• Photography and videography
• Florist, decorator, and rentals
• Band/DJ and entertainment
• Wedding attire and alterations
• Invitations and stationery
• Transportation and accommodations

Step 2: Consider these factors

• The average wedding costs $29,000
• Deposits are typically paid 6-12 months in advance
• Final payments usually come 1-2 weeks before the wedding
• Destination weddings may have higher nonrefundable costs

Wedsure’s recommendation: Your cancellation coverage limit should equal or exceed the total of all nonrefundable expenses you’d lose if you had to cancel. And, if your budget unexpectedly grows, you can always contact Wedsure to increase your coverage.

Starting point: Wedsure’s cancellation coverage starts at just $125 and can be customized with various coverage limits to match your wedding budget. For a $30,000+ wedding, protecting your investment for a small premium is simply smart planning.

Yes! Wedsure provides coverage for weddings throughout the United States and can accommodate many destination wedding locations.

Coverage includes:

• All 50 U.S. states
• Destination venues across the country (beach weddings, mountain resorts, urban destinations)
• Various venue types and settings

For international destinations: Coverage availability may vary by location. Contact a Wedsure insurance specialist to discuss your specific destination wedding plans.

Why destination weddings especially need insurance:

• Higher nonrefundable deposits for venue and accommodations
• Travel costs for you and your guests
• Weather risks in certain locations and seasons
• Greater logistical complexity with vendors in unfamiliar areas
• Potential challenges with vendor bankruptcy or cancellation

Get personalized guidance: Call 1-800-ENGAGED (1-800-364-2433) Monday–Friday, 5:30 AM–5:00 PM Pacific Time, or visit wedsure.com/contact-us to speak with a wedding insurance specialist who can answer specific questions about your destination wedding coverage needs.

Whether you’re getting married on a Hawaii beach, in a New York City high-rise, or anywhere in between, Wedsure helps you tailor coverage to meet your event needs and protect your investment.