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Wedding Insurance – Event Cancellation / Postponement Plus Coverage Details

See Full  Wedding Insurance – Event Cancellation / Postponement Plus Sample Policy

Coverage Details:

Coverage A: Cancellation or Postponement of Event

We will indemnify you, in excess of the deductible, for:

All deposits forfeited and other charges paid or contracted to be paid by you or the honoree for transport, catering services, property and equipment rentals, hall and location rentals, accommodations (including travel arrangements and accommodations for a honeymoon, if applicable), special attire, special jewelry, flowers, event photographs and event videos, and entertainment expenses, because of a necessary cancellation or postponement of the event, including a cancellation or postponement resulting from withdrawal of leave.

If the event includes a destination reception, we will not indemnify you for any above mentioned charges paid or contracted to be paid by you or the honoree associated with the destination reception if the ceremony is not necessarily cancelled or subject to postponement.

We will not indemnify you for any special attire or special jewelry that you, the honoree or any attendants retain following a cancellation or postponement of the event. With respect to the indemnity provided under Coverage A as set forth above, loss or EVT100-0708 Page 4 of 10 damages must be proven separately for each portion of the event.

Coverage A: Exclusions

We will NOT indemnify you for any loss caused directly or indirectly by any of the following:

1. Any circumstances known to you or the honoree at the date of issue shown in the declarations page as likely to give rise to cancellation or postponement of the event.
2. The non-appearance or unavailability, except as otherwise provided in item 7 below, of any person; provided, however, that the foregoing shall not apply to the involuntary non-appearance of you, the honoree, or your or honoree’s immediate family, or an active participant in the event. Non-appearance resulting from military deployment without withdrawal of leave is not considered an involuntary nonappearance; however, non-appearance from the activation of a United States military reservist, after purchase of the policy, requiring deployment to a base more than 150 miles from the event location is considered involuntary.
3. Lack of funds (other than by reason of unemployment of you or the honoree after the date of issue shown in the declarations page and qualifying for payment under the applicable unemployment statutes).
4. The failure to provide timely notice to the contracted provider of any goods or services in order to diminish or avoid a loss after it was necessary to cancel or postpone the event.
5. Prohibition of the event by local ordinance, regulation or statute in existence as of the date of issue shown in the declarations page.
6. Cancellation or postponement following a voluntary decision of you or the honoree not to proceed with or take part in the event, including, without limitation, such voluntary decision resulting from a change of heart.
7. Weather conditions, unless such weather conditions are so extreme as to prevent you, the honoree, your or honoree’s immediate family, an active participant in the event or more than half of the guests from reaching the event, or which renders the event venue unusable or unsafe. We will not indemnify you, or the honoree, any travel expenses or the cost of any cruise if the cruise ship must divert from its planned route due to weather if you, or the honoree, have embarked on the cruise.
8. Any loss otherwise covered by the policy, if, in respect of or consequent to the death, injury, illness, disablement, confinement or compulsory quarantine of:
   
   
   1. Any person occurring or arising as a consequence of self-inflicted injuries, mental illness, or influence of alcohol or drugs (other than drugs taken in accordance with the treatment prescribed and directed by a qualified medical physician except drugs taken for the treatment of drug addiction);
   2. Any person due to any pre-existing medical condition known to you or the honoree at the date of issue of the policy;
   3. Any person caused or contributed to by pregnancy commencing before the date of issue of the policy, unless the expected date of delivery is more than two (2) months after the event date;
   4. Any person resulting from a violation of law; or
   5. You or the honoree if you or they have contracted for, arranged, or commenced the event against the advice of any medical practitioner. The maximum amount we will indemnify you for under Coverage A is the amount stated in the declarations page for “Cancellation or Postponement of Event”, regardless of the number of claims made under the policy. 

The information contained here is for illustrative purposes only and coverage under the WedSafe Program is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. This program is underwritten by Markel American Insurance Company.