Is Honeymoon Travel Insurance Worth it?
Planning your honeymoon is one of the most exciting parts of getting married. After the whirlwind of the wedding, you finally get to relax, explore, and celebrate your new journey together. But with so much effort (and money) invested in your honeymoon, you might wonder—is a travel insurance policy necessary?
Let’s dive into why travel insurance for your honeymoon could be one of the best wedding gifts you can give yourself.
Buy Travel Insurance and Protect Your Investment
A honeymoon is often more than just a vacation—it’s a once-in-a-lifetime experience, and these trips can come with a hefty price tag. According to surveys, couples spend an average of $4,000 to $5,000 on their honeymoons, with some splurging on luxurious getaways or far-flung destinations. That’s a significant investment, and when only about 75% of flights arrive on time, protecting your trip costs from travel disruptions is wise.
A travel insurance plan offers peace of mind, knowing you’re covered if your plans are disrupted or canceled due to unforeseen events like illness, natural disasters, or airline strikes.
What Does Travel Insurance Cover?
No one likes to imagine worst-case scenarios, especially when planning a romantic getaway. However, your dream trip can become a nightmare if you encounter unforeseen issues such as flight cancellations, medical emergencies, or inclement weather. Here’s how a travel insurance policy can save the day:
- Trip Cancellation insurance: If you need to cancel your trip for a covered reason, such as illness, injury, or death in the family, you can be reimbursed for prepaid, non-refundable expenses.
- Medical Coverage: If one of you falls sick or gets injured while on your honeymoon, travel insurance can cover medical expenses that your domestic health insurance might not. This is especially important if you’re honeymooning internationally, where healthcare costs can skyrocket.
- Lost or Delayed Baggage: Imagine arriving at your destination without your luggage. Insurance can help cover the costs if your bags are delayed, lost, or stolen, whether it’s your outfits, gifts, or essential travel documents.
- Trip Delay: If your flight is delayed due to bad weather, travel insurance can cover additional expenses for meals, lodging, and transportation while you wait and deal with the inconvenience of a travel delay.
Should You Get a Quote?
Deciding if travel insurance is right depends on several factors, including the cost of your honeymoon, where you’re traveling, and risk tolerance. Let’s break it down:
- Cost of Trip: If you’ve spent thousands of dollars on a lavish honeymoon, we recommend a comprehensive travel insurance policy that protects your trip costs. On the other hand, for a more local, budget-friendly getaway, you might decide you’re willing to risk going without cancellation coverage.
- Destination: Heading to a remote tropical island or a bustling city? International destinations may require additional coverage, especially if healthcare services are limited. For U.S. destinations, you may feel more secure with less coverage.
- Personal Risk Tolerance: Do you enjoy peace of mind and prefer to minimize potential stress? If so, travel insurance offers a layer of security. If you’re more comfortable taking risks, you may feel comfortable without it.
- Trip Type: Consider the type of honeymoon trip you’re taking. Will there be adventure sports? Will it be a cruise? Do you worry about out-of-pocket costs? If so, exploring travel protection makes sense, but ensure you read the fine print and compare insurance companies to understand add-ons, exclusions, and reasons for coverage. The cost and the limitations could deter you, but it’s worth a look.
Tailored Coverage for Your Honeymoon
As honeymoons come in all shapes and sizes, so does travel insurance. Whether you’re seeking luxury, adventure, or relaxation, you can customize your coverage to fit your needs. Some of the best travel insurance plans for your honeymoon are available on the Squaremouth marketplace; we suggest looking at the following providers. Please keep in mind that coverage limits and availability are subject to change.
| Provider | Best for | Highlights | Medical Coverage | Trip Cancellation |
| Tin Leg — Luxury | Expensive, high-end honeymoons | High coverage limits and offers coverage for pre-existing medical conditions (if bought within a set timeframe). | Up to $200,000 | 100% of trip cost |
| Trawick International — Safe Travels Voyager | International honeymoon destinations | Comprehensive medical and cancellation coverage, including COVID-19-related expenses. It also upgrades to “Cancel for Any Reason” (CFAR). | Up to $500,000 | 100% of trip cost |
| Seven Corners – Trip Protection Choice | Adventure-based honeymoons | Includes medical evacuation coverage and optional hazardous sports coverage. | Up to $500,000 | 100% of trip cost |
| John Hancock Insurance Agency – Gold Plan | Suitable for those with medical conditions who need comprehensive medical coverage. | High medical expense coverage, trip delays, or lost baggage. | Up to $250,000 | 100% of trip cost |
| AXA Assistance USA — Platinum | Comprehensive coverage with maximum coverage | The more exotic, the better; this plan offers high limits on medical, cancellation, and baggage coverage. | Up to $250,000 | 100% of trip cost |
For more inspiration on where to spend your honeymoon, check out our guide on 7 Honeymoon Destinations for Different Tastes. Wherever you go, don’t forget that travel insurance can make your once-in-a-lifetime trip as stress-free as possible.
The Bottom Line: While predicting the future is impossible, travel insurance gives you one less thing to worry about. Whether it’s covering unexpected delays or safeguarding your investment, it offers you peace of mind as you embark on your new life together. So, when asking, “Is insurance for a honeymoon worth it?”—the answer is often yes.
It’s a valuable investment that ensures your honeymoon remains the beautiful, stress-free escape you’ve dreamed of. Before you embark on your journey, consider purchasing travel insurance to protect your investment and ensure a worry-free trip.