Do You Need to Get Travel Insurance for Your Honeymoon?

No matter where you're headed for your honeymoon, you might want to consider getting travel insurance.
The Knot
Updated Jun 12, 2018

Here's a nightmare-ish scenario: You book a dream cruise for your honeymoon, and sure enough, you end up stranded before the ship even leaves the dock because the cruise company just went bankrupt.

Obviously, a cancelled honeymoon is a downer—but it could be way worse. By taking out a honeymoon travel insurance policy beforehand, you can manage to get nearly all of your money back. Travel insurance is a great idea for honeymooners, particularly if you're purchasing any expensive, nonrefundable trip like that aforementioned cruise, or a package tour. (And in case you're wondering, it typically starts at just 4 percent of the total cost of your trip, so you won't break the bank.)

The most important policy point to look for is coverage of financial default (that's what will save you when your hypothetical cruise line goes belly-up)—a major reason why you should buy an independent policy. After all, if you buy one from your trip's company and they go bankrupt, it's safe to say they won't be reimbursing you.

Another point many travelers look into (particularly for travel outside of the Americas) is a terrorism clause, which would allow you to cancel your trip without penalty should an incident occur in any city on your itinerary. But beware—these are tough to find, and it can be even tougher to actually get your money back. For example, you won't be covered if the incident happens in an area that has a US State Department warning (even if you don't think there will be trouble where you're headed, you should always check—a little-publicized incident that happened six months ago will jeopardize your being repaid even if you cancelled because of something that just happened). Do your homework online before booking.

Overall, you're probably better off finding a policy that includes a more generous cancellation clause (known as a cancel-for-any-reason option). These will usually set you back up to 10 percent the cost of your trip, but they'll get you back most, if not all, of your money in the case something happens.

Lastly, be sure the policy covers cancellation or trip interruption due to medical issues (including any pre-existing conditions). No matter what policy you choose, read the fine print. Some policies require you to have insured your trip a certain number of days in advance of departure, while others may have specific expiration dates. Either way, you should be safe so long as you know what you're signing.

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