Wedding Insurance - Is It On Your List?
Thursday, October 14, 2010 at 3:08PM While planning and looking forward to your big day is a wonderful experience, we have heard horror stories of venues closing shortly before a wedding, photographers disappearing with wedding pictures, or a bridal salon closing and the bride not being able to get her wedding dress. These are unplanned circumstances including the cancellation of a wedding due to various situations such as death or illness, that wedding insurance can cover. While it cannot repair the emotional pain or the stress that comes with having to re-create a wedding photo shoot, dealing with the death of a loved one, or having to find a new vendor at the last minute, it does provide some financial assistance to help with the financial losses that would have been sustained in any of these situations.
We here at M.O.R.events have done some research with the Wedding Protector Plan, a product of Travelers Insurance Agency.
Partial Claim
Under the Wedding Protector Plan, if a photographer decides not to show up for your wedding, but did inform you prior to your wedding, you may enter a claim to cover expenses relating to this. Please provide your original contract, a statement from the photographer, and a few other requested items, and you would receive funds to get a new photographer if the original one does not provide reimbursement, (due to bankruptcy, or disappearance). You may also file a claim if the photographer does provide reimbursement but additional funding is needed to find a new photographer. Funding may also be received to find a photographer and recreate wedding scenes if no photographer shows up for your wedding.
Total Claim
If the wedding had to be cancelled due to situations like illness, death, weather, or any other circumstance stated in your policy, you may file a claim and receive funding for non-reimbursable items.
Your claim reimbursement is based on the coverage level you have purchased with the Wedding Protector Plan. Coverage level starts at $160, which is a onetime payment. Please look here for the various coverage levels. Wedding Protector Plan Coverage Levels
*The Wedding Protector Plan covers US weddings in all states excepting Alaska, Hawaii, and Louisiana.
Do Your Research
Please also be sure to look at other wedding insurance companies to compare rates, coverage, and procedures.
Feedback
What are your thoughts on Wedding Insurance? Is it a must have item for you?
Check out our blog on planning your wedding
Bridal, Insurance, Photograpers, Vendors in Weddings
Reader Comments (1)
Thats interesting .. wedding insurance .. I never thought of this but it does make sense to get some!!