Wedding Insurance

Wedding Insurance: What Does Wedding Insurance Cover?

2009-04-01T15:31:00.002+07:00

Having problems with the venue, vendors, weather, key people, sickness, or injury are the top concerns of couples when it comes to their wedding day. You will find there is a specified maximum amount, which can be claimed under each section, and also a deductible may also applies. Be sure to find out the details of your wedding insurance plan before buying.

* Venue: Check to find out if your ceremony and reception veue already has insurance. If it's not, then your wedding insurance can cover the costs involved due to unavoidable cancellation (such as damage or inaccessibility to the ceremony venue), if your reception hall is unable to keep to your reservation due to burning down, electrical outage, or just closed down.

* Vendor - they no show to your wedding, what if your cater orother importna vendors fail to turn up, a wedding insurace policy willocver any cancellation or postponement arising.

* Weather: Any weather conditions that will prevent the grom, bride or any relative whose presence at the wedding is essential, or even if uests can't make it due to adverse weather the insurance will cover rescheduling the wedding and all the necesssary details that come with it.ntal, and reception food.

* Sickness or Injury: Wedding insurance will also cover you if a key person, bride or groom become sick and are unale to atttend.

* Military or other Job: Military personnel may be shipped out to another country at a moments notice and wedding insurance cover postphonement due to rde or groom getting called up to service. This may aso apply to your comany job to if for instance your compnay relocate and you need to move too.

What does Wedding Insurance not Cover...

* A change of heart yeither party.

* Watches, jewelry, or semi-precious gemstones or pearls even if they are attached to clothing.

* Wedding rings may be covered by the policy but normally engagement ring is not.

You may Require Additional Coverage.

You may like to take out supplemental policies to defend against other damages incured by wedding-related items such as photography and gifts.

* Photography: Some insurance policies pay for you to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen, or not properly developed. Some policies will pay to re-stage the event - with the principal participants so that pictures can be retaken. A policy may also pay for the costs incurred for rehiring a photographer, buying a new wedding cake, and new flowers, etc.

* Gifts: Regardless of how to wedding gifts are gven too you on the day, valuable items like gifts are something else you might want to consider insuring. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen, or damaged. You will have to submit a police report for any stolen gifts. The damage or theft is limited to a specific time frame as stated in your policy before or after the wedding in order for the coverage.

* Attire: This form of coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen, or damaged (including financial failure of the bridal store).

* Personal Liability: Personal liability covers injury or property damage caused by an accident that occurs during the course of the wedding.

* Medical Coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.

* Honeymoon: This can cost as much as a new car at times. But before you buy travel insurance to protect your investment, see if your credit card covers you if your luggage gets stolen, your trip is delayed, or you have to cancel it. Certain wedding insurance packages include optional travel insurance for your honeymoon.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, What does Wedding Insurance Cover?

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Wedding Insurance: What's Covered by Wedding Insurance Policy?

2009-04-01T15:30:00.002+07:00

Having Insurance coverage for your wedding may be the single most important investment you could spend on your wedding day, with all insurances there are several different options available to cover your risks and unforeseen occurrences which could affect your wedding day. Policies can start as low as 160 pounds in the United Kingdom so its a wise decision to take out an wedding day insurance policy.

Here's a list of typical coverage if you take out an wedding insurance policy:

1. Lost wedding rings - repair or replacement cost if the rings are damaged or lost.

2. Severe Weather conditions - If natural disaster affects your wedding you will be covered.

3. Formal attire - repair or replacement if brides or grooms attire is damaged or lost.

4. Lost deposits -reimbursement for your deposit if a supplier goes out of business, declares bankruptcy before your wedding, or simply fails to show up on the wedding day.

5. Photos - If the photographers film is defective or negatives are damaged or lost, the cost to re-shoot the photos is covered.

6. Military Action - If the room or bride is called into action and misses the wedding, the cost to postponement is covered.

7. Damaged Wedding Gifts - If your gifts are damaged you will receive the repair cost o replacement cost.

8. Illness to bride and groom - If the wedding cancelled due to an illness you will get reimbursement.

9. Venue Insurance - Liability insurance will cover you if a guest gets injured or causes damage to property.

10. Additional Expenses - if a supplier last minute not available for your wedding, you are reimbursed for the difference in cost.

So there is a potential for a lot of things that could happen to your wedding plans, so taking out a wedding insurance would not be a bad idea. After purchasing the insurance policy you can rest at ease that you have covered yourself for any of the unforeseen circumstances that could happen.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, Whats Covered with Wedding Insurance Policy

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Wedding Insurance: When Disaster Strikes

2009-04-01T15:28:00.001+07:00

The cost of arranging a wedding has increased over the years and a simple wedding can cost on the up of £10,000 and more and more couples are investing in wedding insurance to cover for the unknown disaster that may occur. This is because wedding insurance is very cost effective when compared to other costs of a wedding.

More couples are organising their big day themselves which can cover items such as venue booking, flowers and all other areas of the wedding independently. The down side is there is no one person is liable and many of the costs are not insured too.

If you book a service form a vendor and they go bust before your big day you will join the Que of unsecured creditors and will end up at the back of the line to get your money back. Another worry is if you opt for your wedding to be held in a non typical location like a marquee, where you will require public liability to protect you claims or injury or damage to property.

Wedding Insurance

A number of insurance companies are offering wedding insurance, from specialist companies like Weddingplan and Ecclesiastical to household names such as John Lewis(Greenbee) and Marks and Spencer Wedding Insurance.

Different companies will offer different cover so its important to study what your insurance policy will cover and don't cover. For example Greenbee includes public liability cover which will pay out in the event of any claims arising if an accident occurred whereas other will not.

Most insurance companies will cater for different levels of cover that you can choose from and will specify how much will be paid in different circumstances. Greenbee for example has 12 levels of cover costing from between £46 and £355.

A key detail of a policy to look at will be the amount that the policy will pay in the event the wedding has to be cancelled fr a certain reason. This can range from a few thousand pounds for a entry level of cover, to as much as £50,000 for the high end.

What is covered in your Policy?

A quick total of all the various costs will give you an idea of what you are covered for. The cancellation amount that they will pay if the venue cannot be used for some reason or if a key member of the wedding party - either the bride, groom and parents or guardians - dies or is ill or injured before the ceremony.

Policies can be covered to cater for the wedding dress or other special outfits are lost or severely damaged.

If the parties paying for the wedding are made redundant and the wedding has to be cancelled due to this reason the wedding insurance policy will payout, but the policy needs to be in place eight weeks before the notice has been given.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, Wedding Insurance - When disaster strikes.

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Wedding Insurance: Protect Your Future

2009-04-01T15:24:00.002+07:00

Most weddings will end up costing more than a car, and would you drive your car without insurance? but most future husband and wife will risk their wedding plans without any insurance. If you compare the cost of house,car and personal insurance you will see wedding insurance costs far less. So a relatively small amount of money for your wedding insurance premiums will bring peace of mind.

Wedding insurance policies will cover you against certain circumstances that will affect your wedding day, if weather is to affect the wedding or the reception until it needs to be cancelled then your covered. The same policy will cover you against the car supplier or caterer not turning up and even if bride or room as an accident that makes attending impossible you will be happy to know your covered too. For a low wedding insurance premium your policy will cover all of your wedding day suppliers and events and compensate which can leave you in a difficult situation.

When you start to plan your special day one of the first thing that you should do is get wedding insurance, this is too ensure before you put deposits or pay in full for anything you have the insurance policy in place to cover you if the other party lets you down.

A good wedding insurance policy will cover you for the following items:

* Cancellation of wedding (it won't include cold feet)

* wedding attire-including rings and dress including groom, brides maids and best man

* Cancellation of wedding venue and reception

* Suppliers- caterer,flowers, photographer etc

* Personal accident liability for bride and groom

* gifts

Planning and organising your wedding can be a very enjoyable and fun experience as it leads up to one of the most important days of our life's. We don't except anything to go wrong and normally it does not, but it's very reassuring to know if anything ever does go wrong you have wedding insurance to give you peace of mind. When you start to plan your wedding day and confirm the suppliers, take out your wedding insurance policy at the same time. This will give you the maximum period of cover and you can now focus on your special day knowing you have insurance for your wedding.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, Wedding Insurance-protect your future

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Wedding Insurance: What Wedding Insurance Typically Covers

2008-07-21T18:32:00.004+07:00

Wedding Insurance

A wedding insurance is acquired to protect the couple, hosts and guest at the wedding ceremony. It is a growing industry and covers many aspect of the wedding ceremony that can make the couple incur costs. For a small amount of money, you can protect yourself against many forms of liabilities that can occur during and after your wedding ceremony.

Your wedding insurance can protect against disappointments. If your caterer refuses to prepare the food, your band fails to show up or your florist presents the wrong decoration, you are covered. For the premium you pay will entitle you to a substitute for whatever service you have missed even if it means substituting it a higher cost. It particularly protects you against instances where you can not recover your deposits paid to service providers like wedding planners, photographers or car rental companies.

You can get hurt during the wedding ceremony. The wedding hall or the reception venue can pose some injury to you. The insurance covers these kinds of accidents. Many people have argued that venues have insurance on their own but it is advisable to complement that with your specially arranged insurance so that in the event that the policy of the venue owner does not suffice, you can add up.

Aside the rental company refusing to honor its obligations, you can also get hurt in the course of being transported to and from the wedding venue. You may already have a motor insurance and the rental company would necessarily have one as well but it pays to have extra coverage on that day.

So these are what wedding insurance cover. They are extra protection you can take to avoid embarrassment and safeguard the investment, time and effort you have put into your wedding ceremony.

Find more advice on wedding planning and wedding vows. In addition you can get more information on wedding favors.

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Wedding Insurance: What Is Wedding Insurance and Do I Need It?

2008-07-21T18:32:00.003+07:00

Wedding Insurance

What wedding insurance is, is just what it sounds like-a policy that will protect you from any type of misfortune or mishap that may occur. More brides and grooms are purchasing a wedding insurance policy and they are fairly inexpensive to buy. A policy can cost anywhere from $100 to $500 and can give you or the person paying for the wedding and reception peace of mind should any emergency situation arise.

Is Having Wedding Insurance a Good Idea?

Whether you choose to purchase a wedding insurance policy or not is a very personal decision. This will impact your budget, but it will protect you financially against any type of unforeseen disasters or accidents that may happen. A wedding is a costly venture, averaging about $25,000 or more in the United States. If you bought a new car for that amount of money, you wouldn’t think of purchasing one without an insurance policy to protect your financial investment.

What Types of Wedding Insurance Policies are There?

Not everyone has such a big and expensive wedding, others choose a smaller, more intimate affair. You can certainly forgo purchasing an expensive wedding insurance policy and opt for a less expensive policy that will cover a smaller event or you can buy insurance for specific risks such as losing luggage if you are traveling to a destination wedding.

What Will the Policy Typically Cover?

Weather may be the reason your event had to be postponed. Your policy will cover the costs of rescheduling if weather, such as a flood, hurricane or blizzard interferes with your wedding day. If you or your spouse was to become ill or get injured and your wedding needed to be postponed because of that, your policy should cover that situation too. Sometimes the minister or the officiate of the wedding will fail to show up, and often wedding insurance policies will help to recoup any losses that may have incurred because of this happening.

There are other riders you can buy for your special circumstances such as if the bride or groom are in the military and they are called to active service. You can also add a rider for the cost of any damages to your wedding dress or the groom’s tuxedo including protection against one of the companies going out of business.

Deciding if wedding insurance is for you is something you and your intended need to discuss before making plans for your wedding day. It can make the difference between a bride who is relaxed and protected and one who is constantly worrying about things going wrong.

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Wedding Insurance: Is It Really A Must Have For Your Big Day

2008-07-21T18:31:00.002+07:00

Wedding Insurance

If you have recently become engaged or currently planning the wedding of your dreams, you should see if wedding insurance is right for you. Wedding insurance is a well-established product in Great Britain, but it's been available in the United States for only about a decade. Wedding insurance is not for everyone, but experts admit it does have its place. Wedding Insurance is here to help you take the stress out of the weeks and months leading up to your memorable day.

Wedding insurance is generally offered in pre-set packages or can be designed by couples on their own however is one of those purchases that many couples don't think about because they don't believe they will need it. It's not romantic, but wedding insurance is definitely a good idea. As a result, wedding insurance is starting to take its place alongside white dresses, tiered cakes and thrown bouquets.

However, wedding insurance is unable to provide cover for the bride or groom getting cold feet.

Wedding insurance is one of the most important aspects of your Wedding Day and is there to cover the cost of any disasters that may occur, and many have found it of real help. The decision to purchase wedding insurance is a no-brainer when it comes to your wedding. Unfortunately, however carefully you plan, things can and do go wrong, which is why wedding insurance is vital. Wedding insurance is quite an uninteresting topic when compared to all of the other things you need to plan for the big day, however it should be considered seriously and placed well towards the top of your "things to do" wedding plan list.

You should purchase wedding insurance as soon as you start putting down deposits on your wedding dress, reserving your reception venue, etc. Your wedding is an important and expensive event, and that is why more and more people are now choosing Wedding Insurance cover.

It may not be the icing on the cake to the wedding of your dreams, but good wedding insurance could rescue it, at least. You should also bear in mind that wedding insurance will cover only a very limited period of time. Even the best-laid wedding plans can go awry for unexpected and unlucky reasons and wedding insurance gives you peace of mind at an affordable price leaving you to relax and enjoy the day.

Therefore we would strongly suggest that you consider Wedding Insurance that will reimburse you for the things that can go wrong. Insurance companies commonly sell wedding insurance that covers a wide variety of possible disasters. For example, wedding insurance is available that protects your deposits, wedding attire in case of damage, wedding photos (should they not turn out), etc. One of the most common reasons for claiming against a wedding insurance plan is redundancy, with people who have lost their job having to cancel a reception.

Wedding insurance is available in many different plans and at many different expense levels. When you consider how inexpensive wedding insurance is, it's surprising that more people don't take advantage of the protection it offers. Wedding insurance is a service designed to protect your investment throughout the planning process, and the event itself.

Although we hope you won't have to use it, for a relatively small amount of money, wedding insurance is a very wise investment, and what's more you can request a quote and buy your insurance online in just a few minutes.

Find out more about wedding insurance here:

http://www.weddinginsuranceplan.com

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Wedding Insurance: Why Do I Need Wedding Insurance?

2008-07-21T18:30:00.001+07:00

Wedding Insurance

It is no secret that the cost of holding a wedding continues to increase each year. With the costs for weddings now reaching into the tens of thousands of dollars, it is no wonder that the concept of wedding insurance has come about. But do you really need to have this type of insurance? Actually, it can be a very smart purchase. Here are some examples of when having insurance for your wedding can make a big difference.

There seems to be a train of thought that believes inclement weather automatically means you can reschedule use of facilities at no cost. That is very rarely the case. Many contract allowing you the use of reception halls, country clubs, and other facilities stipulate that the owner is not responsible for weather preventing the event from being held. That means you can be out every penny that you spent paying for the use of the space. Insurance would allow you to recoup those expenses.

While it would be great if all vendors lived up to their promises, the fact is many a wedding has been marred by the failure of a florist to come through with the flowers or the dresses for the bridesmaids not showing up in time. Wedding insurance can allow you to recover the costs of those services that you paid for but were never provided.

There have been instances when a wedding had to be postponed because of sudden illness of a bride or groom, or one of the primary parties being stranded with no way to get to the wedding. Once again, insurance can help offset some of the expenses involved with rescheduling an event at the last minute, instead of the wedding costs suddenly doubling or worse.

Given that we are used to obtaining insurance for most major purchases we make, it only seems prudent to insure an event that may cost us more than some people earn in a year. With the purchase of wedding insurance, you have the peace of mind that is something major goes wrong with the event, you will not be left holding the financial bag.

Mayoor Patel is the writer for the website http://www.weddings.wares-are.us/.

Please visit for information on all things concerned with Wedding Insurance

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Wedding Insurance: Finding Wedding Insurance Deals Online

2008-07-21T18:29:00.001+07:00

Wedding Insurance

If your big day is fast approaching and as with most people you are planning on spending a large chunk of money on your marriage ceremony then it would be foolish to not consider investing in cover in the form of Insurance.

Wedding Insurance Explained

In simple terms there are a lot of costs involved in most people's wedding these can and do into many thousands, a lot of money by most people's standards. In the same that you would not buy an expensive piece of jewelry or car without considering insurance you should view your wedding arrangements in the same way.

Wedding insurance generally covers a number of unforeseen eventualities including: Loss or damage of non refundable deposits following an unforeseen cancellation and postponement for a multitude of reasons. A scenario could be that the reception hall you have booked has been damaged or closed for some unforeseen event prior to your wedding, wedding insurance can cover you for the cost of an alternative venue. Another area usually covered by wedding insurance policies is wedding and personal liability insurance for you and your guests in the event of an accident or injury during your wedding or subsequent reception. There are a multitude of eventualities that wedding insurance may cover and it is well worth doing some research into what alternative policies may offer you.

It is often stated that many couples biggest fear is what could go wrong at their wedding it is therefore a good idea to alleviate that fear with adequate cover for any reasonable event. The peace of mind that knowing no matter what may occur your costs will not increase further for what is already a very expensive and special occasion will easily outweigh the extra cost of wedding insurance cover.

There are now a number of good resources online where you can find and Compare Wedding Insurance.

http://www.compareinsuranceprice.com/pages/compare_wedding_insurance.html

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Wedding Insurance: Information About Wedding Insurance

2008-07-21T18:28:00.001+07:00

Wedding Insurance

When you go to your first bridal show, there may be a booth there that you hadn't anticipated: the wedding insurance company. Many brides wonder whether the protection is worth the cost.

Wedding policies aren't expensive - generally under $500 for even a large wedding and sometimes significantly less expensive. The wedding insurance policy protects you against both misfortune and mishap.

Wedding insurance policies typically cover weather, illness or injury, or a missing officiant, vender, or venues.

If your wedding is impacted by weather (ie. an outdoor ceremony cancelled because of rain), the insurance will cover rescheduling the entire affair. This would also kick in if there was a major snowstorm and there is no reasonable expectation that guests could get to the venue.

If any of the essential people in the wedding party are sick or get injured, the wedding can be rescheduled as well. Check the policy for who is defined as an "essential person.

You can't have a ceremony without an officiant. So if your pastor doesn't show, and the whole thing has to be rescheduled, you are covered. This also holds true for key vender. If your florist goes out of business just days before the wedding, you may have to cancel and start from scratch. With insurance, you are not left holding the bag for the whole wedding

Similarly, if your church burns down the evening before the wedding, you can reschedule.

There are also additional riders you can buy on top of the base policy described above.

If you or your groom are in the military or reserves, you may want to consider a Military Service Rider which covers the expenses of the wedding if you have to cancel as a result of one of you being called up to active duty.

You may want a Gown and Tuxedo rider if you think these stores may go out of business.

If your homeowners insurance does not cover theft of gifts from the wedding venue, consider a Gift rider.

Check with the church and reception hall about their liability insurance. If you're not certain that it fully protects you, purchase a wedding liability insurance rider. You don't want your third cousin's date to get drunk, fall down the stairs, and sue you for your entire net worth.

Finally, you might want to consider honeymoon insurance. This is a form of traveler's insurance that protects you if you must cancel the honeymoon.

You should know that the insurance only protects you for something you didn't already know and which is not in your control. Specifically, getting cold feet is NOT covered by the insurance policy.

Taking out the proper insurance for a wedding is a cheap investment on what is usually a big ticket item. Before you reject the idea of insurance, consider whether the person paying for the wedding would be willing to fork out a second set of money if the wedding had to be scheduled a second time.

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Wedding Insurance: What is That?

2008-07-21T18:26:00.002+07:00

Wedding Insurance

For some people wedding insurance may sound weird. But understand that you are spending a large amount of money on your wedding and in one way or the other you have to protect the money you have invested. Wedding insurance will cover all the costs of your wedding and the money you have spent will return to your pockets when some mishap occurs. Everybody hopes that their wedding will proceed well but you have to be ready to face the unforeseen circumstances. You don't want to waste your money for a plan that never worked out. Rather with insurance, you can get your money back or arrange for an alternate solution.

It is not that you have to spend a large amount of money for wedding insurance. Depending on the coverage you desire, you have to pay the insurance premium. The basic policies which cover postponement activities will cots you just around $200. With wedding insurance, you can ensure that all problems on your wedding will be taken care of. Taking appropriate wedding insurance will let you get ready even for the negative effects.

Weather, illness, injury, missing vender are covered by the basic policies. If the location you chose for your wedding is affected by natural calamities, then you will not be able to arrange your wedding at that place. You need to plan for a new place and this relocation cost will be covered by the wedding insurance. If the pastor who preside the wedding ceremony does not turn up on the correct timings, don't panic if you have wedding insurance.

You can also arrange for insurance for your wedding reception. Wedding arrangements will be taken care of by the hired venders but if any one of them does not perform well, then you will have problem during your reception. When you have your insurance, then you can make arrangements for another vender to proceed with the function. If you are investing a lot of money in your wedding, then you can also insure bridal gifts and wedding dress.

Only thing that is not covered by any wedding insurance policy is the run away of the bride or the groom. All the other things can be insured and you can even get money when your wedding dress is spoiled by some unforeseen trauma. Planning a wedding is quite a serious issue and you should ensure that you are obtaining insurance for your wedding. When you have this, you are assured that you will get your money back in case of any alteration in your wedding plan.

Regina Watson is the owner of Elegant Wedding Impressions. She sells a variety of bridesmaid gifts and wedding accessories. So if you are looking for more great wedding favors to go along with your wedding theme come visit us today.

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Wedding Insurance: Is There Any Travel Insurance For A Wedding Dress?

2008-07-21T18:25:00.001+07:00

Wedding Insurance

It's a no-brainer to say that a wedding is a major investment. In the United States, the average cost of it is in the tens of thousands. Weddings are the culmination of years of love, trust and lots of savings, with families laying their hearts and bank accounts on the line. Given the expense and extravagance and the dozens of factors that put a wedding at risk -tropical storms, illnesses, deaths, caterers and dress shops that go bankrupt and cold feet (to name a few), it should come as no surprise that more and more families are purchasing insurance.

Wedding insurance is a type of insurance that covers the numerous potential disasters surrounding a wedding (depending on which plan you buy), and puts those who lay out massive sums of money for the celebration at a reduced financial risk.

It might surprise you that the number one most common wedding insurance claim occurs when a bridal shop suddenly goes bankrupt and the bride is out a dress. Since the dress is such an integral and fragile part of it, it is often a key point of concern for those who buy wedding insurance.

People who travel for their weddings might be considering travel insurance and wondering if the dress is covered. The answer to that question depends on the parameters of a traveler's insurance policy. Traveler's insurance is different from wedding insurance, and a traveler's insurance policy will likely cover your possessions as you travel -i.e., the dress. However, that is not guaranteed. If you choose to purchase traveler's insurance for your wedding, go over the policy with the salesperson and be sure the dress is covered.

Many wedding insurance plans extend their coverage throughout the United States and offer additional travel insurance. If you are planning a destination, then I recommend purchasing a wedding insurance policy that contains provisions for travel.

These kinds of insurance policies typically cost no more that 1,000 dollars. For a wedding that's around or above the average cost of 27,000 dollars, that's a huge bargain. In addition to covering a damaged or misplaced dress, most insurance policies will cover broken or lost gifts, damaged photographs or videos, deadbeat caterers, or in some instances a change of heart in the bride or groom.

All in all, I would say travel insurance and/or wedding insurance is a fairly good investment. I'd hate to see someone I love have their wedding marred or ruined by unfortunate circumstances. And I'd hate it even more if I was footing the bill for a celebration that went awry and had to be re-scheduled. In recent times we've seen incredible disasters like the 9/11 terrorist attacks, hurricane Katrina and the massive tsunami. All of these horrific events took place in locations where one might want to hold a destination wedding, which should be a stark reminder of why it is so critical to cover your bases and get traveler's and wedding insurance.

An independent travel health insurance broker that will compare from many Canadian travel insurance companies, and purchase from the company offering the best solution for you.

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