Wedding Insurance Can Protect Military Members

Wedding insurance is basically special event insurance. Different policies provide varying levels of financial protection against unexpected occurrences that might delay or prevent a rehearsal dinner, ceremony, or reception.
Advertising Disclosure.

Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone. This article may contain links from our advertisers. For more information, please see our Advertising Policy.

military wedding insurance

The military lifestyle can make wedding planning difficult. While surprise deployment and PCS orders are becoming less common, the Covid-19 pandemic has created additional uncertainties and obstacles to planning large events.  

To head off financial threats, planners recommend wedding insurance. 

Table of Contents
  1. What is Wedding Insurance?
  2. Why You Should Consider Wedding Insurance if You Are in The Military
  3. What Wedding Insurance Covers
    1. Types of Wedding Insurance
  4.  What Wedding Insurance Does Not Cover
    1. Wedding Insurance Pricing
    2. How to File a Military Wedding Insurance Claim
  5. Tips for Getting the Best Military Wedding Insurance Policy

What is Wedding Insurance?

Wedding insurance is basically special event insurance. Different policies provide varying levels of financial protection against unexpected occurrences that might delay or prevent a rehearsal dinner, ceremony, or reception.

USAA spokeswoman Rebekah Nelson said USAA’s special event policies protect members from unexpected financial loss for situations beyond their control.

These can include vendor bankruptcy, extreme weather, or deployment. It may also include an accident or illness of the event host or an immediate family member.

Why You Should Consider Wedding Insurance if You Are in The Military

Weddings are expensive events, so it’s worth taking precautions against unexpected factors, said wedding planner and military spouse Bree Carroll

She said knowing what protections vendor contracts and policies provide can help military couples feel more empowered as they navigate changes to their big day. 

“Covid-19 is truly an impact on most 2020 and 2021 wedding rescheduling reasons,” she said. “However, insurance companies are treading lightly on this issue.”

Carroll cited the insurer WedSafe’s position.

In a statement, WedSafe Vice President Steve Lauro said the company handles coronavirus claims on a case-by-case basis “to properly assess what coverage is applicable to each bride and groom, due to the endless variables and scenarios that can arise.”

Lauro added that every policy is different, and couples should read their terms and conditions carefully and contact the company with any questions.  

Most of all, he said, couples should do everything they can to stay well before their wedding.

Carroll also said wedding insurance is especially a good idea if one or both spouses serve in a rapid deployment combat unit or frequently get called up for short missions, work travel or state emergency duties. 

It may also be a good idea if a military family is scheduled for a permanent change of station near the wedding date. 

“Nothing is guaranteed,” Carroll said. “Every military spouse must keep an eye out for what’s happening in the world – the other shoe can drop at any moment,” she said. “But we’re grateful that that (deployment) scheduling is becoming more predictable.”

What Wedding Insurance Covers

Most wedding insurance policies cover vendor bankruptcy, inclement weather and damaged or lost clothing or wedding rings, according to Nelson. For military couples, wedding insurance may also cover the withdrawal of leave or unexpected deployment.  

However, coverage varies by provider, policy and type. 

There are two types of military wedding insurance policy: event liability insurance and event cancellation insurance. 

Types of Wedding Insurance

  • Event Cancellation: Protects policyholders from lost deposits and nonrefundable fees due to cancellations, postponements or other unexpected circumstances. 
  • Event Liability: Protects policyholders in the event of property damage or injuries at the event. Some policies may include host liquor liability for alcohol-related incidents. 

Nelson said event liability insurance is particularly important if you’re having a wedding in an area where accidents may occur, and many venues require it. 

One couple used their USAA policy to cover legal damages after a pedestrian was injured passing through their downtown reception venue. wedding. 

“The couple worked with the city and the reception venue to ensure they followed all the precautionary steps that were required,” Nelson said. 

 What Wedding Insurance Does Not Cover

Event liability insurance usually won’t cover intentional acts or activities that policy excludes. Nelson said many policies exclude the use of firearms, animals, and “amusement devices” like bounce houses or ATVs. 

Check with your insurance provider for a complete list of exclusions.

Event cancellation insurance won’t cover “foreseen” circumstances or situations in the policyholder’s control – like if the couple decides to cancel the wedding. 

Nelson said coverage for cancellations due to infectious disease pandemics or epidemics – including COVID-19 – is still uncommon.  

Review your policy language carefully for pandemic coverage details.

Wedding Insurance Pricing

Nelson said event liability insurance starts as low as $75 at USAA, but pricing depends on the policy’s limits, including liquor liability. Event cancellation insurance can start as low as $130. 

“Wedding insurance fees are a small part of a wedding’s cost and can protect you if something goes wrong,” Carroll said. 

How to File a Military Wedding Insurance Claim

Filing a wedding insurance claim is similar to filing a homeowners claim, Nelson said. You’ll need to contact your policy carrier to start the claim process. 

Tips for Getting the Best Military Wedding Insurance Policy

When you’re shopping around for wedding insurance, don’t forget to ask providers if they have a military discount. 

Pay close attention to differences in price and coverage. 

Carroll said the laws that cover wedding vendor contracts vary by state, so you should reach out to a wedding planner when you’re negotiating contracts. 

This is especially critical if it’s a destination wedding.

Carroll suggested “linking language” in a wedding insurance policy with the language in the vendor service contacts so that the two work together for the best event protection.

“One of the things I advise clients to do is to be aware of how they are covered with vendor and venue contracts versus their insurance contracts,” Carroll said. “For example, the major expenses of a wedding are typically the venue and food costs. If you have to change your date abruptly due to deployment, illness, or other circumstances, you may have flexibility within your vendor/venue contract to pivot to a new plan.” 

If you’re flexible, changing your event plans can get you a lower insurance rate.

“It’s quite doable to plan a smaller, more intimate event that is just as meaningful as a large ceremony with many guests,” Carroll said.

About Post Author

Get Instant Access
FREE Weekly Updates! Enter your information to join our mailing list.

About John W. Mitchell

John Mitchell is a contributing writer for The Military Wallet. He is a United States Navy veteran and a widely published freelance writer covering military affairs, health care, social services and craft beer through his firm, SnowPack Public Relations. He's also a novelist under the pen name of J. Willis Mitchell. His most recent novel, "Rotors" has just been published. His first novel "Medical Necessity" has a four-star rating on Amazon. Mitchell lives with his wife and writes on the western slope of Colorado. He volunteers each winter as an adaptive downhill ski instructor teaching the joy of the sport to kids, veterans and other skiers living with disabilities.

Reader Interactions

Leave A Comment:

Comments:

About the comments on this site:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

The Military Wallet is a property of Three Creeks Media. Neither The Military Wallet nor Three Creeks Media are associated with or endorsed by the U.S. Departments of Defense or Veterans Affairs. The content on The Military Wallet is produced by Three Creeks Media, its partners, affiliates and contractors, any opinions or statements on The Military Wallet should not be attributed to the Dept. of Veterans Affairs, the Dept. of Defense or any governmental entity. If you have questions about Veteran programs offered through or by the Dept. of Veterans Affairs, please visit their website at va.gov. The content offered on The Military Wallet is for general informational purposes only and may not be relevant to any consumer’s specific situation, this content should not be construed as legal or financial advice. If you have questions of a specific nature consider consulting a financial professional, accountant or attorney to discuss. References to third-party products, rates and offers may change without notice.

Advertising Notice: The Military Wallet and Three Creeks Media, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet; For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked and this compensation may affect how, where and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner” the indicated company is a corporate affiliate of The Military Wallet. No tables, rankings or lists are fully comprehensive and do not include all companies or available products.

Editorial Disclosure: Editorial content on The Military Wallet may include opinions. Any opinions are those of the author alone, and not those of an advertiser to the site nor of  The Military Wallet.