What is a WedSafe Event Insurance Policy?
The policy is a specialty insurance package with clearly defined sections that provide financial protection for certain types of potential losses (e.g., postponement, theft of rings or presents, damage to dresses or wedding attire, and loss of deposits), during the period leading up to and including your wedding day.
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How do I purchase a WedSafe Event Insurance Policy?
The policy can be purchased by completing the simple application form available online at www.wedsafe.com or by calling a WedSafe Wedding Insurance Policy Representative toll free at (877) 723-3933. At the present time, a paper application form is not available.
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Are the policy premiums payable monthly or as a one-time fee?
The respective policy premiums are one-time only payments regardless of how far in advance the WedSafe Event Insurance Policy is purchased (subject to the 24-month advance purchase limitation).
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What types of losses does a WedSafe Wedding Insurance Policy cover?
A WedSafe Event Insurance Policy provides coverage for the following different categories and types of potential loss or damage:
- Event Cancellation or Postponement
- Extra Expense
- Event Photographs
- Special Attire
- Special Gifts
- Special Jewelry
- Loss of Deposits
- Professional Counseling
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Will a WedSafe Event Insurance Policy provide coverage if the weather forces us to postpone or relocate our wedding?
Yes, a WedSafe Event Insurance Policy will provide coverage if the weather conditions are extreme enough to prevent the Bride and/or the Groom, their families, or the majority of their guests from attending the wedding or reception.
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If the Bride, Groom, or a family member is in an accident or falls ill before the wedding, will a WedSafe Event Insurance Policy provide coverage?
Yes, a WedSafe Event Insurance Policy will provide coverage if the wedding and/or reception is postponed due to an accident or illness that prevents the Bride, the Groom, or their immediate families from attending, provided any illness is not related to a pre-existing medical condition.
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Will a WedSafe Event Insurance Policy provide coverage if military leave is withdrawn due to unexpected deployment?
Yes, a WedSafe Event Insurance Policy will provide coverage if the Bride or Groom is serving full-time active duty in the armed forces or police or fire departments and must postpone the wedding and/or reception due to a previously granted leave being withdrawn due to circumstances outside of their control (e.g., unforeseen deployment). Please note this coverage is not available for reservists or those on part-time or inactive status.
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What happens in the event either the Bride or the Groom has a change of heart?
The coverage provided under a WedSafe Wedding Insurance Policy is triggered only by a fortuitous external event (such as a fire or death of a close relative), and not one within your control or knowledge, such as a voluntary decision not to proceed due to a change of heart.
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How far in advance should I purchase my WedSafe Event Insurance Policy for my wedding to be covered?
You should purchase a WedSafe Event Insurance Policy as soon as you start to incur costs such as placing deposits with a venue, caterer, etc. However, a WedSafe Event Insurance Policy cannot be purchased later than 15 days before your wedding or earlier than 24 months prior to your wedding.
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Does a WedSafe Event Insurance Policy cover weddings outside the United States?
Yes, a WedSafe Event Insurance Policy does cover weddings taking place in (and on a cruise ships departing from) Canada, Puerto Rico, or a territory or possession of the United States (e.g., the U.S. Virgin Islands). Additionally, a WedSafe Event Insurance Policy can cover weddings taking place in (and on cruise ships departing from) United Kingdom, Mexico, the Bahamas, Bermuda, and the Caribbean (excluding Cuba), with an additional premium surcharge of only 10%. To purchase a WedSafe Event Insurance Policy, however, either the Bride or Groom must reside within the United States.
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Does a WedSafe Event Insurance Policy provide any coverage for my honeymoon expenses?
Yes, in the unfortunate event your wedding is postponed or cancelled due to a covered condition, any non-recoverable travel and accommodation expenses for your honeymoon resulting from a corresponding postponement or cancellation of your honeymoon may be included in your total cancellation or postponement expense claim and would be covered up to the applicable Sum Insured. Postponement or cancellation of your honeymoon for reasons other than the postponement or cancellation of your wedding is not covered.
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If we lose our wedding rings, are they covered?
Yes, if your wedding rings are lost at any time during the 7 days preceding the wedding, they are covered up to the applicable Sum Insured set forth on your specific WedSafe Event Insurance Policy.
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Is my engagement ring covered by a WedSafe Event Insurance Policy?
No. A WedSafe Event Insurance Policy provides coverage only for the wedding bands to be exchanged during the ceremony, not for an engagement ring.
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Does a WedSafe Event Insurance Policy cover all wedding presents, including checks, gift certificates, etc.?
Yes, wedding presents that are lost or damaged within 7 days before or 7 days after your wedding (while in transit between your wedding and home or while entrusted to a third party) are covered up to the applicable Sum Insured set forth on your specific WedSafe Event Insurance Policy (coverage for theft of cash given as a wedding present is provided up to a maximum of $350 for all policy levels).
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What happens if our photographer does not show up and a replacement is not available?
A WedSafe Event Insurance Policy will cover the cost of re-convening the wedding party on another day, for the purpose of taking new wedding photographs, up to the applicable Sum Insured set forth on your specific WedSafe Event Insurance Policy.
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Are we covered if the photography is damaged or does not come out?
Yes, a WedSafe Event Insurance Policy provides coverage for the loss or damage (other than under- or overexposure) to the original film or the negatives before the finished photographs are received, up to the applicable Sum Insured set forth on your specific WedSafe Event Insurance Policy.
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What happens if the rented limousine does not arrive on the morning of the wedding?
Simply make alternative arrangements and keep a full record of the costs involved so you may file a claim once the wedding has been successfully completed.
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Am I covered if the Bride's wedding dress or the Groom's tuxedo is damaged before the wedding?
Yes, a WedSafe Event Insurance Policy provides coverage for wedding attire that is lost, stolen, or damaged before the wedding -- except for loss or damage resulting from certain specified causes (e.g., climatic conditions and alterations) and for loss or damage to attire not purchased as new that is caused by any process of cleaning, restoration, or repair.
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Does a WedSafe Wedding Insurance Policy have a deductible?
Yes, there is a nominal $25.00 deductible for each covered section.
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Whom do I call if I have to make a claim?
.You should call one of our friendly and knowledgeable WedSafe claim agents at Markel American Insurance Company – Claims Department at 800-236-3113 (Toll Free), who are available, 24 hours a day, 7 days a week to assist you in the handling of any claim. All claims should be reported as a matter of urgency to avoid delays in settlement and processing. Additionally, any claims relating to theft or attempted theft should be reported to the police as soon as possible.
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How long does it normally take to resolve a claim?
If the paperwork and documentation are readily available, then a claim will be settled promptly.
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