Protect Your Big Day with Wedding Insurance
Celebrate Without Worry
Your wedding is a celebration of love, commitment, and dreams. After months of meticulous planning, the last thing you want is for unexpected mishaps to overshadow your big day. Imagine planning the perfect wedding, only for a sudden storm to force a cancellation. Or a vendor failing to show up, leaving you scrambling at the last minute. At St. Andrews, we understand the unique needs of Canadian couples. Our personalized wedding insurance solutions give you the confidence to celebrate with joy, knowing you’re covered for the unexpected.
Get a QuoteWhat Is Wedding Insurance?
Wedding insurance is designed to protect your investment in one of life’s most memorable milestones. It provides financial protection against unforeseen circumstances like cancellations, vendor issues, or property damage.
Whether it’s a sudden illness, a weather emergency, or a misplaced wedding gown, wedding insurance ensures you’re not left shouldering unexpected costs.
Why Wedding Insurance Matters
Planning a wedding is exciting but comes with risks. Vendors may cancel, weather can be unpredictable, or accidents could happen. Wedding insurance protects you from these uncertainties, letting you focus on what truly matters—celebrating your love.
Key Benefits of Wedding Insurance:
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Peace of Mind: Enjoy your big day without worrying about the “what-ifs.”
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Financial Protection: Safeguard non-refundable deposits and unexpected expenses.
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Stress-Free Rescheduling: Cover the costs of postponing your event due to unforeseen circumstances.
Comprehensive Coverage for Your Big Day
Add-Ons for Extra Peace of Mind
- Host Liquor Liability: If alcohol is served at your wedding, this coverage protects you from liability if a guest causes damage or injury after consuming alcohol.
- Honeymoon Protection: Extend your coverage beyond the wedding day. Honeymoon protection covers trip cancellations, delays, or lost luggage, ensuring your post-wedding getaway goes smoothly.
Wedding Insurance Exclusions You Should Be Aware of
While wedding insurance provides extensive protection, certain exclusions apply:
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Change of Heart: Deciding not to proceed with the wedding is typically not covered.
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Pre-Existing Conditions: Issues known before purchasing the policy may not be included.
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Illegal Activities: Incidents involving unlawful actions are excluded.
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Unverified Vendors: Working with vendors without proper contracts may void coverage.
Our brokers will explain all exclusions in detail to help you make informed decisions.
Breaking Down Wedding Insurance Costs
Wedding insurance premiums depend on factors like coverage limits, wedding size, and optional add-ons.
- Basic Liability Coverage: Starts at around $150.
- Comprehensive Policies: Range from $200 to $500, offering broader protection.
- Optional Add-Ons: Coverages like liquor liability or honeymoon protection may increase premiums.
At St. Andrews Insurance Brokers, we’ll help you find a policy that fits your budget while providing complete protection.
Get a QuoteCost-Saving Strategies for Wedding Insurance
- Bundle Policies: Combine wedding insurance with other coverage for discounts.
- Purchase Early: Secure coverage when you start booking vendors to avoid risks.
- Evaluate Your Needs: Choose a policy tailored to your event.
- Compare Options: Our brokers shop around to find the best rates.
- Select Essential Add-Ons: Only include additional coverage you truly need.
Common Wedding Insurance Claims
Wedding insurance protects couples from a wide range of issues. Common claims include:
- Vendor Cancellations: When key vendors fail to deliver services as promised.
- Weather-Related Disruptions: Severe weather forcing event rescheduling.
- Property Damage: Accidental damage to rented equipment or the venue.
- Lost Gifts or Jewelry: Theft or loss during the event.
- Medical Emergencies: Guests requiring medical attention during the celebration.
Travel Insurance - FAQs
While not legally required, many venues in Ontario require liability insurance. It’s also a smart investment to protect your event from unforeseen expenses.
Yes, many policies can be customized for destination weddings, covering international vendors, travel disruptions, and more.
If your venue cancels, wedding insurance covers the cost of securing a new location or rescheduling the event.
Some policies offer optional honeymoon coverage to protect against trip cancellations or interruptions.
To file a claim, contact your insurer immediately, provide contracts, receipts, and other supporting documents, and complete any required forms. Our team will assist you every step of the way.
Celebrate with Confidence
Your wedding day is a celebration of love, joy, and cherished memories—not stress or worry. With wedding insurance from St. Andrews, you’re protected from the unexpected, allowing you to focus entirely on your special day. Let us take care of the risks, so you can celebrate with complete peace of mind.
Get a Quote
Don’t leave your special day to chance. Contact St. Andrews Insurance Brokers today to explore personalized wedding insurance options.