Wedding Cancellation Insurance - Protecting Your Investment in Your Big Day

Planning for (and paying for) your dream wedding is a big deal. That’s why it is so important to protect your investment. 

Things happen! Weather can be unpredictable. People get sick. Companies go out of business. Don’t risk losing your hard-earned money should an unforeseen circumstance like one of these put a damper on your big day. Cancellation insurance provides you with financial reimbursement for losses and additional expenses incurred due to last-minute issues with your wedding that are beyond your control. It can also provide coverage for things like vendors going out of business; damaged or stolen gifts; damage or loss of your wedding dress; and even damage or theft of the wedding rings themselves.

What does it cover?

• Cancellation/Postponement: Reimbursement for deposits and expenses if your wedding is canceled or postponed due to certain unexpected circumstances beyond your control 
• Vendor Issues: Coverage for lost deposits if a vendor goes out of business prior to your event
• Weather: Protection against severe weather conditions that prevent the event from taking place or key individuals getting to the ceremony.
• Illness/Injury: Coverage if the wedding couple, or essential family members are unable to attend due to sickness or injury.
• Military Service: Reimbursement if the wedding is postponed due to an unplanned military service obligation (withdrawal of approved leave).
• Added Benefits: Reimbursement for additional extra related to things like a vendor going out of business, damage to the wedding gown, gifts that go missing, etc 

Frequently Asked Questions

What is wedding cancellation insurance and what does it cover?
​​Wedding cancellation insurance covers a variety of unforeseen events, including vendor issues, severe weather, military deployment, illness, and more. It is meant to protect the investment at risk should you be forced to cancel or reschedule your big day. Please see our full policy details for a complete list.

Do I really need cancellation insurance?  Is it worth it?
​​It depends….how much are you investing in your big day and would the loss be severe if you were forced to cancel? What happens when a major storm limits travel? Or an unforeseen military action caused an emergency deployment of the father of the bride? Or if the venue files for bankruptcy, keeps your deposit, and leaves you scrambling for an alternate location? Weddings are expensive…and suffering a serious financial setback is no way to start your happily ever after. EventHelper.com’s cancellation insurance provides you with financial reimbursement for losses and additional expenses incurred due to last-minute issues with your wedding that were beyond your control. It can also provide coverage for things like vendors going out of business; damaged or stolen gifts; damage or loss of your wedding dress; and even damage or theft of the wedding rings themselves.

What are some reasons my wedding might be postponed/covered and the policy would kick in?
​​Some of the covered reasons include: severe weather conditions such as hurricanes, blizzards, flooding, etc; sudden illness/injury to the bride/groom or immediate family member; venue bankruptcy; and unplanned military deployment.

What if we break up and call the wedding off?  Does it cover change of heart?
​​No. This policy is specific to things beyond your control. Choosing to call off a wedding would not be a covered event. 

How much coverage should I buy?
​​It is advised that you select a coverage amount that is in line with your total wedding budget. We offer different packages ranging from $7500 to $100,000. Add up what you plan to spend on your ceremony, reception, caterer, photographer, videographer, flowers, special attire, cake, DJ, and any other purchases you’ll make for your big day and choose the plan that best fits your budget.

What do the various sub-limits mean? 
​​The sub-limits are additional benefits available to you should the wedding still take place but you encounter an issue that day (i.e. a vendor no shows, gifts go missing, or the bridal gown is damaged). You are covered up to the dollar amount shown for that particular category.

When should I buy cancellation insurance? 
​​We suggest you purchase wedding insurance as soon as you have locked in a venue and made deposits to various vendors. Wedding cancellation insurance can be purchased as early as one year before your big day, or as late as a week before the event. Have you already paid deposits and purchases you‘ve already made can be covered, providing you have receipts/documentation for them and did not know of any impending or existing claim situations when you purchased the insurance.

Where is cancellation insurance coverage available? 
​​At the time of this publication, EventHelper.com’s cancellation policy is limited to weddings taking place within the United States excluding Alaska and New York. 

What if I don’t use the coverage?  Can I get a refund? 
​​No. Once coverage is purchased, policy premiums, taxes and fees are considered fully earned and are non-refundable.

What is NOT covered by Wedding Cancellation Insurance?

Claims arising out of the following are excluded and will not be covered:

• Any circumstances, including pre-existing medical conditions known to you or an "honoree" at the time of purchase, that are likely to give rise to cancellation or postponement.
• Non-appearance of a guest or performer
• Lack of financing, failure to make necessary arrangements
• A local ordinance, regulation, or statute 
• "Cold feet" - Voluntary cancellation 
• Severe weather that occurs within 7 days after purchase
• Wildfire or smoke caused by a Wildfire
• Intentional loss
• Military Deployment without withdrawal of leave
• Riots, Cyber Incident, Looting, Civil Unrest, War
• COVID or other communicable disease

This list is just for your reference and isn’t a full list of exclusions. The full details of these exclusions and others can be found in the full policy document.

How It Works at EventHelper.com

1. Get a Quote: Complete our simple online form or reach out to one of our friendly event insurance experts to get an instant quote tailored to your specific wedding plans.
2. Choose Your Plan: Select a coverage plan that fits your needs and budget.
3. Purchase: Complete your purchase securely online.
4. Enjoy Peace of Mind: Relax knowing that your wedding investment is protected.

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