Wedding Cancellation Insurance Frequently Asked Questions

 

  

 



 

What is a Special Event Cancellation / Postponement Insurance Policy?


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



How do I purchase an Event Cancellation / Postponement Insurance Policy?


Our website provides a convenient online application that can completed quickly, and coverage can be purchased using a major credit card. Your coverage documents will be presented immediately for download as soon as the purchase is complete, and we’ll email you a copy as well.


How will I receive my Event Cancellation / Postponement 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 Event Cancellation / Postponement  insurance do I need?


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



When should I buy Event Cancellation / Postponement insurance?


Event Cancellation / Postponement Plus insurance can be purchased as early as 2 years before your event and as late as 15 days before your event. We recommend you purchase 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 event? Will they still be covered if I purchase Event Cancellation / Postponement insurance now?


Yes, 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.



Does an Event Cancellation / Postponement Insurance Policy have a deductible?


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



Can I purchase an Event Cancellation / Postponement Insurance Policy without purchasing a Private Event Insurance Liability policy ?


Yes, a Special Event Cancellation / Postponement Insurance Policy can be purchased either alone or together with a Liabilty Policy. As a Special Event Cancellation / Postponement  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 event 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 an Event Cancellation / Postponement Insurance Policy cover events outside the United States?


Yes, an Event Cancellation / Postponement Insurance Policy does cover events 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, an Event Cancellation / Postponement  Insurance Policy can cover events 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: the Named Insured must reside within the United States and be at least 18 years old.



Will an Event Cancellation / Postponement  Insurance Policy provide coverage if the weather forces us to postpone or relocate?


Yes, an Event Cancellation/Postponement Insurance Policy will provide coverage if the weather conditions are extreme enough to prevent the honorees, their immediate families, or the majority of their guests from attending the event, or which renders the building structure itself Unusable or Unsafe (as defined in the policy).


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 NOT covered.



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


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


Yes, an Event Cancellation / Postponement 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 event 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 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.



Is purchasing Event Cancellation / Postponement  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 Event Cancellation / Postponement Insurance purchase. But if you prefer, you may call Private Event Insurance customer service and complete your purchase over the phone.



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

You should contact a claim agent as soon as possible at K&K Insurance Group, Inc. – Claims Department at 800-237-2917 (Toll Free).  In the event of emergencies, there is an after-hours service available, 24 hours a day, 7 days a week to assist you.

 

The information contained here is for illustrative purposes only and coverage under the WedSafe Wedding Insurance 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 K&K Insurance Group, Inc and Nationwide Insurance.
 

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