Frequently Asked Questions: Wedding Event Cancellation / Postponement Plus Insurance

What is a WedSafe Event Cancellation / Postponement Plus Insurance Policy?

Wedsafe Event Cancellation / Postponement Plus insurance is designed to safeguard your wedding investments from unexpected mishaps. Various coverage limits are available to meet your particular wedding budget. The policy covers event cancellation / postponement and losses such as no-show vendors, bankruptcy of vendors, damage to the wedding attire, theft of wedding gifts and more.

How do I purchase a WedSafe Event Cancellation / Postponement Plus Insurance Policy?

The fastest is way is to complete the online application, paying for the policy using a major credit card. You can also contact one of our customer service representatives to complete an application over the phone: Toll Free - 877-723-3933.

How will I receive my Event Cancellation / Postponement Plus policy?

Most purchasers can download their policies right from the web site as soon as the purchase is complete; a copy will also be e-mailed to you.

How much wedding Event Cancellation / Postponement Plus insurance do I need?

You should choose a coverage level based on your total wedding budget – how much you will spend on your venue, your gown, wedding rings, caterers, flowers;, photographers, and all the other deposits and purchases you will make for your wedding. This is the investment you would stand to lose in a worst-case scenario – if you were forced to reschedule your wedding at the last minute and lost all your non-refundable deposits.

When should I buy Wedding Event Cancellation / Postponement Plus insurance?

Event Cancellation / Postponement Plus insurance can be purchased as early as 2 years before your wedding and as late as 15 days before your wedding. We recommend you purchase wedding event insurance as soon as you begin to put down deposits and make purchases – that way your financial investment will be protected from the start.

What if I have already made deposits or purchases for my wedding? Will they still be covered if I purchase wedding Event Cancellation / Postponement Plus insurance now?

Yes, wedding purchases and deposits you have already made can be covered, provided you have receipts/documentation for them and you did not know of any impending or existing claim situations when you purchased insurance.

What happens if either the Bride or the Groom has a change of heart?

The Event Cancellation / Postponement Plus Insurance Policy will NOT provide coverage in the event that either the bride or groom changes their mind and does not want to proceed with the wedding.

Does a WedSafe Event Cancellation / Postponement Plus Insurance Policy have a deductible?

Yes, there is a nominal $25.00 deductible for each covered section.

Can I purchase a Wedsafe Event Cancellation / Postponement Plus Insurance Policy without purchasing a Wedsafe Liability policy?

Yes, a Special Event Cancellation / Postponement Plus Insurance Policy can be purchased either alone or together with a Liabilty Policy. As a Special Event Cancellation / Postponement Plus Insurance Policy does not cover the same items and risks covered by a Liability Policy, clients are strongly encouraged to purchase both types of protection. If both policies are purchased at the same time a discount of either 10% or 15% (amount varies by state) will be applied to each policy.

I live in one state but my wedding is in a different state. Which state should I select to get a Quote?

You should always select the state where you live, regardless of where your event will take place.

Does a WedSafe Event Cancellation / Postponement Plus Insurance Policy cover weddings outside the United States?

Yes, a WedSafe Event Cancellation / Postponement Plus Insurance Policy does cover weddings taking place in (and on 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 Cancellation / Postponement Plus Insurance Policy can cover weddings taking place in (and on cruise ships departing from) the United Kingdom, Mexico, the Bahamas, Bermuda, and the Caribbean (excluding Cuba), with an additional premium surcharge of only 10%. Please note: either the Bride or Groom must reside within the United States and be at least 18 years old.

Does a WedSafe Event Cancellation / Postponement Plus Insurance Policy provide any coverage for my honeymoon expenses?

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 would also be covered up to the policy level selected. Postponement or cancellation of your honeymoon for reasons other than the postponement or cancellation of your wedding is NOTcovered.

Will a WedSafe Event Cancellation / Postponement Plus Insurance Policy provide coverage if the weather forces us to postpone or relocate our wedding?

Yes, a WedSafe Event Cancellation / Postponement Plus Insurance Policy will provide coverage if the weather conditions are extreme enough to prevent the Bride and/or the Groom, their immediate families, or the majority of their guests from attending the wedding or reception, or which renders the event venue unusable or unsafe.

Does the Wedsafe Event Cancellation / Postponement Plus Insurance provide coverage for illness/injury to the bride/groom?

The Wedsafe Event Cancellation / Postponement Plus Insurance Policy will provide coverage if there is a sudden illness or injury to the bride or groom, or an immediate family member, provided the illness is NOT related to a pre-existing medical condition. (A pre-existing medical condition means a condition where medical care, advice, consultation, or treatment was received within 12 months prior to the purchase date of the policy.)

Will a WedSafe Event Cancellation / Postponement Plus Insurance Policy provide coverage if military leave is withdrawn due to unexpected deployment?

Yes, a WedSafe Event Cancellation / Postponement Plus 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 written leave being withdrawn due to circumstances outside of their control (e.g., unforeseen deployment). The activation of a US military reservist, after the purchase of the policy, that requires deployment to more than 150 miles from the event location would also be covered.

What is the refund policy for the Wedsafe Event Cancellation / Postponement Plus Insurance Policy?

Policy premiums, taxes, and other charges are fully earned at inception of policy coverage and are non-refundable in the event of cancellation of coverage at any time by the insured, with the exception of residents of Montana and Texas.

Can I see a sample policy?

Yes, you can view the sample event cancellation policy here.

Is purchasing Wedding Event Cancellation / Postponement Plus Insurance from your web site safe?

Our web application uses state-of-the art security measures and is monitored daily by independent web security certification service McAfee Secure, so you can be comfortable making your online Wedding Event Cancellation / Postponement Plus Insurance purchase. But if you prefer, you may call WedSafe customer service and complete your purchase over the phone.

If you prefer to pay by check or money order and your event is at least 30 days away you may request a paper application be mailed or faxed to you.

Whom do I call if I have to make a claim?

You should contact a WedSafe claim agent as soon as possible 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.