Is Honeymoon Travel Insurance Worth it? 

Your honeymoon is a special time to celebrate your love, but even the best-laid plans can face unexpected disruptions. This is part of the reason honeymoon travel insurance is always worth it. Without this important coverage, flight delays, lost luggage, medical emergencies and sudden itinerary changes can quickly turn a dream trip into a costly travel nightmare.

What Is Honeymoon Travel Insurance?

Honeymoon travel insurance is a type of protection that safeguards couples on their post-wedding getaway. This travel insurance typically covers trip cancellations and interruptions, emergency medical expenses, medical evacuation, lost and delayed luggage and more.

With the average honeymoon costing well over $5,000, according to data from wedding site TheKnot.com, travel insurance is a smart investment that can pay off.

Common Honeymoon Travel Risks

A range of perils can impact your honeymoon plans, and many of them are out of your control. Common risks that can upend your honeymoon before or during your trip include:

• Flight cancellations: Flights that depart late or not at all can lead to losing valuable vacation days on your honeymoon, as well as money spent on prepaid hotels and tours.
• Illness or injury during a trip: Becoming sick or hurt during your honeymoon could lead to unexpected medical bills, especially if you’re traveling outside your home country.
• Lost or delayed baggage: Bags that don’t show up can force you to purchase clothing, toiletries and other essentials to get through your trip.
• Natural disasters or severe weather: Inclement weather can lead to trips being delayed or cancelled without any notice, leaving you out the funds you spent on hotels, car rentals and tours.
• Stolen passports or wallets: Losing passports, wallets and other important travel documents can leave you vulnerable on vacation and desperate for help.

What to Look For to Find the Best Honeymoon Travel Insurance

Honeymoon travel insurance can protect against many of the most common risks honeymooners face, plus a range of other situations that can arise before or during a trip. Here’s what to look for as you shop for the best travel insurance for honeymoons.

Trip Cancellation and Trip Interruption Coverage

Trip Cancellation and Trip Interruption coverage reimburses for prepaid travel expenses when your honeymoon must be cancelled or cut short. As an example, coverage can apply if the death of an immediate family member means you must cancel your trip, or if you become injured or ill and unable to travel. You can also use this coverage if inclement weather brings your travel plans to a halt.

Trip Delay and Missed Connection Coverage

Look for coverage for trip delays and missed connections, which can reimburse you for incidental expenses you incur (e.g. meals and hotel stays), prepaid tours and more while you wait for your vacation to resume.

Emergency Medical Coverage

Emergency Medical coverage is crucial for your honeymoon, especially if you’re traveling overseas where your own health insurance plan won’t work. This coverage can kick in if you fall and become injured during your trip, you become ill and require hospitalization or emergency medical care for any reason.

Medical Evacuation Insurance

Medical Evacuation insurance is key to have during a honeymoon, even if you just plan to stay at your resort. This coverage can pay for emergency transportation if you need to be transferred to the nearest hospital or medical facility. It can even cover transportation back home if you become gravely ill.

Coverage for Baggage and Personal Items

Baggage Loss insurance can reimburse the cost of your luggage and belongings if your bags are lost or stolen while in the care of a common carrier. Baggage Delay insurance can reimburse you for items you have to buy while you wait for delayed luggage, including toiletries, phone charging cords and clothing.

Cancel For Any Reason (CFAR) Coverage

If you want the option to cancel your honeymoon for any reason and get some of your prepaid travel expenses back, investing in Cancel For Any Reason (CFAR) insurance makes a lot of sense. Not all companies offer CFAR, but ones that do offer it charge an average of $56 per day and reimburse 50% to 75% of prepaid travel expenses.

While paying more for travel insurance may not seem ideal, CFAR coverage gives you the most flexibility possible if you want the option to cancel for any reason at all.

Pros and Cons of Honeymoon Travel Insurance

Pros

• Financial protection: You can purchase honeymoon travel insurance with up to six figures in coverage for unexpected medical expenses and emergencies, trip cancellation and more.
• Medical coverage: Honeymoon travel insurance includes medical insurance that applies wherever you are, even if you’re traveling overseas.
• Peace of mind: Enjoy your trip without worrying about losing money if something goes wrong — and with the peace of mind that comes with knowing you can get help if you need it.

Cons

• Added costs: Honeymoon travel insurance makes an already expensive trip cost even more.
• May not need it: If your vacation goes off without a hitch, you won’t maximize the value of your policy.
• Exclusions can apply: Some travel insurance policies come with exclusions like pre-existing medical conditions (unless you qualify for a waiver), high-risk adventure sports, losses tied to intoxication or drug use and more.

How Much Does Honeymoon Travel Insurance Cost?

Average costs for honeymoon travel insurance are between 4% and 10% of your total trip cost, with the most comprehensive plans coming in at around $400 total (or $25 to $30 per day). Costs for coverage varies based on factors like the cost of the honeymoon itself, your ages during the trip, the length of the trip, the travel destination and more.

If you need to save money on honeymoon travel insurance and are fine with getting essential coverage only, you can purchase a medical-only travel insurance policy for your trip. According to recent data, this coverage costs about $90 total for the average honeymoon that lasts 20 days.

When Should I Buy Honeymoon Travel Insurance?

You should buy honeymoon travel insurance as soon as you make an initial deposit on your honeymoon vacation. Not only will buying coverage early help you access the lowest rates and widest selection of plans, but it can help you qualify for waivers for pre-existing medical conditions (if you have any). Most plans that offer CFAR coverage also require you to purchase insurance within a few weeks of booking your trip.

Also note that coverage begins the day you buy a plan, so you can get early protection for events like an unexpected illness or injury or a job loss. And since travel insurance only provides coverage for unforeseen events, you’re only covered for travel mishaps that happen after you buy.

Bottom Line: Is Honeymoon Travel Insurance Worth It?

Honeymoon travel insurance is a smart investment for couples planning a once-in-a-lifetime trip. While everyone hopes their honeymoon goes off without a hitch, unexpected issues like flight cancellations and delays, sudden injuries and lost luggage can turn the perfect vacation into a traumatic experience in a short amount of time.

Having the right coverage means you don’t have to navigate these issues on your own, and that you can get reimbursed for prepaid travel expenses you don’t get to enjoy. If you face a honeymoon trip cancellation, your bags disappear at the airport or you become seriously ill after you arrive at your destination, the right travel insurance plan provides help when you need it most.

Written by Holly Johnson