subject: Insuring Your Overseas Wedding Ceremony [print this page] Insuring Your Overseas Wedding Ceremony
Although many weddings occur in a couple's home country, some couples choose to wed in another country. That means if a couple wants to financially protect their wedding day from unfortunate events like cancellations or damaged wedding gifts, they would need to add wedding insurance to their traveler's insurance.
By itself, wedding insurance covers a great span of the wedding and its processions. Policies can often include coverage of things like cancellation due to illness or injury, weather related rescheduling, wedding cancellations caused by military deployments, and even recouping costs of vendors not showing. However, weddings abroad involve more complex situations.
Wedding insurance will continue to protect the gifts from theft and damage, and it'll also protect other essential elements of the wedding like the cake and flowers. Coverage does have its limits: more specifically, time restraints. For items like cake and flowers, items both with an inherent short shelf-life, policies will usually place a time limit on how long the insurance company will continue to cover their well-being.
Furthermore, wedding insurance will also cover the costs of the wedding rings if they are lost overseas. Rings are easily lost, and by having the most important rings insured, the couple can ease their worries slightly by being recovering any financial loss caused by lost rings. However, engagement rings aren't covered by wedding insurance and will not be replaced.
As travelers, the married couple will have tons of luggage to carry between countries. Before leaving, the bride and groom can decide to place insurance on their luggage and their contents. However, a policy may require the couple to pay more for this additional coverage, but the added costs could potentially be worthwhile if valuable luggage is lost abroad.
One of the scariest events that can happen to travelers is losing identification and other important documents. Although people traveling abroad are always encouraged to secure precious documents as best as possible, accidents and mistakes do happen. Wedding insurance can step in and help protect the couple overseas, by covering travel costs, document replacement fees, and other costs associated with accommodating the couple.
Some policies do cover the honeymoon, but all policies aren't guaranteed to do so. It's best to carefully read the policy to determine whether or not the honeymoon is covered the insurance. If the wedding insurance doesn't cover the honeymoon, travel insurance can often be used to completely cover the honeymoon. (Find out more about Life Insurance Quotes. Also make sure to visit AXA Life Cover.)
One important note to couples considering holding their wedding ceremonies overseas: check with your countries embassy regarding the safety of your wedding destination. Many insurance companies will refuse to protect your wedding in an area with political unrest. Trying to insure the safety of a complete wedding in the middle of a war-torn area is an unreasonable request, and couples shouldn't be surprised if they are denied insurance in such areas.
Regardless of wedding destination, every couple should consider adding wedding insurance to the wedding's budget. As wedding expense increases, so should the consideration for insurance. Likewise, the farther away a couple marries, the more vital insurance becomes.
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