Whether you’re a guest traveling to a destination wedding, or the bride and groom embarking on a honeymoon, travel insurance can cover a wide variety of financial losses before and during your trip.
Travel Insurance for Wedding Guests
Travel Insurance if You Need to Cancel
For many travelers, being able to cancel your trip and get your money back is a top concern. Trip Cancellation-style policies are designed to pay you back if you need to cancel your trip for a covered reason within the policy. The most common covered reasons are injury, illness or death of the traveler, their companion, or their family back home. Other reasons include bad weather, terrorism, employment layoff or financial default of your travel supplier.
Travel Insurance if You Need to Return Home Early
Once you’ve arrived at your destination, you may think there’s little that can stop you from enjoying your trip but if you, your traveling companion or a family member at home becomes sick or hurt, you may be packing your bags and going home as soon as you can. If you need to end your trip early for a covered reason, travel insurance can pay you back for your unused, non-refundable trip expenses, often including the additional airfare to return home.
Travel Insurance if You Need Medical Treatment or Evacuation
If you get sick or injured while on your trip, travel insurance can pay you back for your medical expenses. Squaremouth recommends a policy with at least $50,000 in Emergency Medical coverage for international travel, and at least $100,000 for cruises or travel to a remote location. Medical Evacuation can provide transportation to the nearest hospital in an emergency. If the treating physician decides you need further medical attention, this benefit can also cover the transportation costs to return home. Squaremouth recommends a policy with at least $100,000 in Medical Evacuation coverage for international travel, and at least $250,000 for cruises or travel to a remote location.
Read more about the real-life story of how travel insurance covered a mother’s medical bill and helped her get to her daughter’s destination wedding.
Travel Insurance if the Wedding is Called Off
If you’re attending a destination wedding, you may be worried that the wedding could be called off. As standard travel insurance policies won’t cover this type of cancellation, you should consider Cancel For Any Reason coverage. This is a time-sensitive benefit that can be more expensive, however, it gives you the freedom to cancel your trip and get up to 75% of your trip costs back without having to provide a reason for not going on the trip. This type of policy requires you to insure all of your trip costs and cancel at least 2-3 days before you’re scheduled to leave for your trip.
Traveling with Gifts or Wedding Rings
Destination wedding guests may be traveling with gifts while the bride and groom are likely bringing their new wedding bands. Travel insurance can cover lost baggage or stolen items but the coverage is often limited, with a cap on the amount that you can get back on an item. Expensive gifts, jewelry, and electronics are often excluded from coverage. Squaremouth recommends insuring expensive items valued above $1,000 through other sources, such as homeowner’s insurance or the credit card that was used to purchase the item.
A Group Policy for Everyone on the Guest List
Group travel insurance is for groups of 10 or more and can be more economical and convenient for large parties traveling to a destination wedding. Group policies are similar to single trip policies and offer similar benefits, however, single trip policies usually have more options, upgrades and can often provide better coverage if you have specific needs or preferences. Travelers on group policies need to have similar travel dates to be included in the policy.
Travel Insurance for Honeymooners
Travel Insurance if a Hurricane Interferes
Many honeymoons are in tropical locations, which may be in the path of a storm during hurricane season. Most travel insurance policies include coverage for Hurricane and Weather, however, a policy must be purchased before a storm is named. If a hurricane disrupts the wedding or honeymoon, you can get your trip costs back and cancel or leave your trip early. Each policy has different requirements for when this coverage begins. Many policies provide coverage if there is a mandatory evacuation of your destination or if your hotel is uninhabitable.
Travel Insurance for Honeymoon Excursions
Many couples spend a lot of time at the beach relaxing on their honeymoon but if you’re the adventurous type and plan to take part in such activities while on your honeymoon, you may want to get a policy with the Hazardous Sports benefit. Adventure activities are often excluded from travel insurance, including but not limited to mountain climbing, skydiving, white water rafting, parasailing, bungee jumping or even lower impact activities like kayaking or zip lining.
Find Destination Wedding and Honeymoon Insurance on Squaremouth.com
Squaremouth compares travel insurance policies from every major provider in the United States. Using Squaremouth’s custom search filters, find the best policy for your trip. If your main concern is coverage for both cancellations and medical emergencies while at a destination wedding or honeymoon, you can insure your trip cost to search for comprehensive travel insurance policies.