Most companies offer comprehensive, all-inclusive wedding insurance packages which offer coverage against some or all of the following:
Cancellation of the wedding due to a change of heart by the bride or groom. Cancellations that stem from a preexisting condition. (If a parent has a known heart condition and is the reason the wedding is called off).
Policies start at $200 and can surpass $2,000 depending on the cost of the wedding and the coverage you want.
Most policies can be purchased one year before the wedding and range from 30 days to three days prior to the ceremony.
Your homeowner or tenant insurance may provide some coverage. Regular insurance would cover wedding band claims due to fire or theft (after deductible), but not if you accidentally leave the rings somewhere in your pre-wedding fog. Wedding insurance, however, would cover that cost.
Credit card purchases or deposits may be covered by your credit card. Vendors (including the reception site) may have insurance that covers your investment.
Finally, read the fine print!
Pete Karageorgos, manager of Consumer and Industry Relations with the Insurance Bureau of Canada suggests: