A honeymoon is supposed to be memorable – just be sure it’s not memorable for the wrong reasons. Honeymoon insurance is typically a single-trip travel insurance package plan. That plan should include coverage for the unforeseen situations that can occur on a honeymoon trip to ensure that the couple doesn’t come home with unwanted (and unnecessary) bills.
What are the risks of honeymoon travel?
Some of the unexpected things that can go wrong on a honeymoon include the following:
- The week before your wedding, a hurricane wipes out your honeymoon destination – weddings are often held during the summer months (also known as hurricane season) and when your destination is wiped out, will you be able to recover your funds and redesign a memorable honeymoon?
- On the way to meet your cruise, your flight is delayed and you miss your connection – when you miss a connection and the cruise sails without you, will you know how to arrange alternative travel and have the funds on hand to catch up to the ship?
- You and your bride are enjoying your first SCUBA lessons when she suddenly becomes very ill – when you’re experiencing adventurous sports for the first time, it can be hard on your body. Will you have the local knowledge to find proper medical care and have the funds to pay for her treatment?
- You are cruising in the Bahamas when you get word that your father has suddenly been hospitalized – illnesses and injuries don’t always happen at opportune times and when you need to abandon a trip and return home, will you know who to call to make arrangements and will you have the necessary funds to pay for emergency travel?
- The wedding is called off and you don’t want to lose all your pre-paid trip costs – travel is expensive and honeymoons are where people often spend a high amount. Wouldn’t you prefer to get a refund for those trip costs if the worst happens?
What coverage do you need in your honeymoon travel insurance?
While the following is not an exhaustive list of all the coverages available with travel insurance plans, it describes those that are most useful to honeymoon travelers.
- Trip cancellation coverage provides reimbursement for your pre-paid trip costs when your trip is cancelled for a covered reason. (Review the details of trip cancellation coverage.)
- Missed connection coverage provides the assistance services and reimbursement necessary to catch up to a cruise ship when it’s sailed without you. (Review the details of missed connection coverage.)
- Adventure coverage waives the exclusions for adventure activities typical with travel insurance plans and provides emergency medical assistance and payment for medical treatment. (Review the details of adventure activities coverage.)
- Medical coverage provides reimbursement or advance payment for you and your new spouse to receive medical care anywhere in the world. (Review the details of medical coverage.)
- Trip interruption coverage provides the assistance and funds to help you return home when it’s necessary. (Review the details of trip interruption coverage.)
- ‘Cancel for any reason’ coverage provides reimbursement for your pre-paid and non refundable trip costs if the trip is cancelled for a reason not covered by trip cancellation coverage. (Review the details of ‘cancel for any reason’ coverage.)
- Travel assistance services ensures that you have someone who can help you navigate tricky travel emergencies like cancelled flights, locating a hospital, replacing a stolen passport. (Review the details of travel assistance services.)
Who should buy this type of travel insurance?
These days, people of all ages get married and some renew their vows and take a second honeymoon.
- Young just-married couples. You may have waited and saved a long time for this trip, so it’s important to protect your financial investment. If the trip costs more than you can afford to lose, you should purchase adequate travel insurance coverage.
- Mature couples renewing their vows. You have been around awhile and renewing your vows is a re-commitment to each other. Be sure that you are also protecting each other from financial losses on your second honeymoon.
- Newly married couples with children. When you can’t (or don’t want to) leave the kids behind, be sure to get a travel insurance plan that covers them too. Many travel insurance plans cover kids for free. Protect yourselves and the kids as you start your new life together.
- Recently married seniors. Senior travelers have to be extra careful to have the right medical coverage while traveling and a honeymoon is no exception. Many travel insurance plans cover seniors.
When should you buy your honeymoon travel insurance?
Purchase your policy just after making your first trip payment. In some situations, this timing is important because some benefits:
- pre-existing medical condition waivers,
- ‘cancel for any reason’, and
- ‘cancel for work reasons’
are only applicable if the policy is purchased within a certain number of days (usually 10-15) from making your initial trip deposit. Plus, you’ll benefit from the longest period of cancellation coverage.
Remember that all travel insurance companies offer a free look period with a refund if you decide the plan is not what you need.
Where should you buy your travel insurance?
We recommend purchasing your travel insurance directly from a third-party company for a number of reasons.
- Buying Travel Insurance from a 3rd party company vs. through a travel agent
- Why buying Travel Insurance from a 3rd party company is better than buying from a Cruise Line
- Buying Travel Insurance Directly from the Company vs. Using a Comparison Site
Very briefly, you’ll have more choices and options in your travel insurance plan if you purchase from a third-party company using a comparison tool.
How can you be sure your travel insurance coverage is adequate?
These tips will help you determine whether you have enough coverage.
- Don’t base your purchase on price alone
- 4 Steps to 100% confidence in your travel insurance plan
- Entering $0 Trip Cost is too risky
- Is ‘Cancel for any reason’ worth it?
What are the best travel insurance plans for honeymoon travelers?
We’ve done the research into which plans are best and our recommendations include:
- The important coverages for honeymoon travel
- Our analysis of each plan
- Sample quotes