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Honeymoon Travel Insurance; Do You Need It?

You never know what will happen when you will be traveling. When the unexpected happens, travel insurance is there to cover you for any accidents, injuries, illness, and your belongings.

There are two main reasons you should get travel insurance on your honeymoon. Your honeymoon is likely the most expensive trip you have taken in your life up to this point. Travel insurance protects your investment and in the case, something unexpected happens that keeps you from going on your honeymoon you can be reimbursed or if your trip is interrupted you will be reimbursed for the remainder of the trip.

Additionally, having travel insurance gives you peace of mind knowing that you are covered during your trip so you can focus on your trip and the start of your marriage.

Travel Insurance Options

When you look into travel insurance there are tons of options to look into, but they latter up to one of the following three main categories.

Trip Interruptions Cancellation & Delay Coverage

Trip cancellation insurance covers situations that cause you to cancel your trip before you leave for a reason that is covered by insurance. This allows you to get a refund on the prepaid, non-refundable cost of the trip like airfare, cruise fares, tour bookings, and hotel reservations.

Trip interruptions cover situations that happen during your travel that cause you to cut your trip short and go home. This will refund costs that are prepaid travel expenses that can not be refunded as well as cover additional costs for accommodations and cost to return home.

For both trip interruptions and trip cancellation coverage covers things like illness, injury, death of a family member, natural disaster, or a terrorist attack.

Ever experienced a trip delay? If your flight is delayed over 6 hours or requires an overnight stay you can receive meals, lodging, and other expenses covered with trip delay coverage.

Emergency Medical Insurance

Illnesses and accidents happen, even on your honeymoon. Emergency medical insurance will cover you for medical expenses for the emergency treatment of an accidental injury. Emergency evacuation is also covered in the case that you need to be transported to a more advanced hospital.

Baggage Protection & Baggage Delay Covergage

Luggage gets lost at airports and can be stolen or damaged during your trip. Travel insurance will allow you to be reimbursed for your belongings up to a certain dollar amount. If your luggage is lost on your way to your trip, insurance can cover you to purchase the things you need until your luggage arrives.

Additional Coverage

There are tons of additional options and coverages you can find with travel insurance. Read all of the fine print and consider any of these additional options that you may find valuable.

  • ID theft
  • Rental Car
  • Business Equipment 
  • Security Evacuation
  • Legal Expenses
  • Dental Coverage
  • Adventure Sports
  • Accident & Liability
  • Crew/Educator/Missionary Insurance
  • Prescriptions
  • Accidental Death/Dismemberment
  • Cruise Coverage

Coverage You May Already Have

Before you purchase travel insurance, be informed of any travel insurance you already have. Some premium credit cards have certain coverage. For example, the Chase Saphire Reserve provides trip cancellation and interruption insurance up to $10,000 per person or $20,000 per trip, baggage delay insurance for $100 per day, trip delay insurance for up to $500 per ticket, accidental death or dismemberment coverage of up to $1,000,000, up to $2,500 for medical expenses if you or your immediate family member become sick or injured and even more benefits.

Additionally, you can check your current health care coverage to see if it covers anything out of the country.

How much will it cost for travel insurance on your Honeymoon?

In general your travel insurance will cost 4-8% of the cost of travel. If you are taking a honeymoon at a later age it can go up to 12%.

Where should you buy travel insurance?

I recommend getting travel insurance quotes for World Nomads and Travel Guard and going through the options to see what is important to you and what makes sense.

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