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WedSafe Wedding Insurance Review


ConsumersAdvocate.org Rating: 4.7 / 5 (Excellent)
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WedSafe is a provider of wedding insurance services designed to protect couples from financial losses due to unexpected events that upset their wedding plans. Founded in 1999, it is underwritten by K&K Insurance Group, Inc. and Nationwide Group insurance companies. WedSafe offers cancellation and liability insurance to couples across the US and cruise ships departing from pre-approved locations. The policy also covers event gifts, special attire, special jewelry as well as photographs and videos.

 

Plan Details

WedSafe cancellation insurance provides coverage for all deposits forfeited, charges paid or contracted as a result of circumstances covered under the policy. It will cover all expenses in excess of the deductible for cancelled weddings or wedding related events such as receptions, honeymoon accommodations. This includes items such as special attire, special jewelry and flowers. Coverage for photographs, videos and entertainment are also included under the policy.

  1. Cancellation/ postponement of event
  2. Extra expense
  3. Events photographs/videos
  4. Event gifts
  5. Special attire
  6. Special jewelry
  7. Loss of deposits
  8. Professional counseling

Coverage limits

Six coverage limits starting at $500,000 up to $5,000,000

Deductibles

Corresponding deductible will be charged for each covered item

 

Cancellation Options

Change of heart

Illness/ injury

Weather

 

Coverage

 

Covered Events

Wedding ceremony

Reception

Honeymoon

Rehearsals

*** Events held during cruises are also covered

Covered locations

All events taking place in Canada, Puerto Rico or a territory or possession of the United States and all cruise ships departing from these locations are covered under the policy. This can also cover events in the United Kingdom, Mexico, the Bahamas, Bermuda and the Caribbean excluding Cuba with an additional premium surcharge of only 10 percent.

Damages and Injuries

Venue damage

Medical coverage

Liquor-related accidents

Special items

Attire

Gifts

Jewelries

Services Covered

Catering

Photography

Videographer

Florists

Makeup artists

 

WedSafe Insurance - Summary

WedSafe wedding insurance gives couples a flexible solution for their wedding insurance concerns. It offers a wide range of coverage that protects you from the significant financial losses that can result from unforeseen circumstances. WedSafe lets you elect the specific coverage you need for your unique wedding. The company offers instant online quotes and enrollment. You can also file claims online 24 hours a day. WedSafe's website is easy to navigate and provides many examples of why wedding insurance might make sense for you.  

WedSafe distinguishes itself by also offering insurance to wedding service providers such as wedding planners, caterers, musicians and DJs, photographers, and florists who may become liable for damages due to accidents or financial losses that result during the course of services. 


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Customer Comments & Reviews

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Elizabeth
8/7/2021
Do NOT use this company. They will find every possible way to deny any claim you have! Don't waste your time or your money! Make sure you have liability coverage for any drunken guests that do something foolish -- your insurance company can get you a good umbrella insurance policy on top of your homeowners insurance. That's a better use of your money than having an insurance company that "makes up" excuses so you won't get paid, no matter what! I used WedSafe for my daughter's wedding in 2017. We had an unprecedented heat wave (105 degrees) which was something that had never occurred before in our coastal California town where 95% of the population, the churches and the venues do... Read More


david.saidman
2/26/2020
Read the contract. It doesn't what most people would want covered. Such as: 1 - Maximum payout for non-refundable deposits, such as catering and venue, are only 6% of the total coverage amount. Which means a for a $3000 deposit for venue, you need a 50k policy, and you would only have enough coverage for your venue and no other vendors. For a 30k wedding, one might spend closer to 7k in deposits. 2 - They only consider an 'event' if over 50% of attendees cannot attend. If your parents or your wedding party can't show, you don't get coverage. 3 - They do not cover weather related events or delays due to weather or natural events. For example, if you cant get there because of a... Read More


E
Erin M
7/8/2016
Very poor communication. I purchased insurance for my son's wedding. I didn't receive a copy of policy or certificate of insurance. I filled one line out wrong. I was not notified of this, yet money was pulled from my account. 4 emails and 3 phone calls later, I still have nothing. I have had to re-email information I had already given. Nothing could be done over the phone, only by email. If I don't have the policy by the next business day, I will ask for a refund.



Top Rated
Our Partner
  • Policies start as low as $75
  • Liability and cancellation policies can be purchased independently (receive a 15% discount if purchased together)
  • Up to $2,000,000 liability insurance
  • Host liquor liability insurance
  • Liability policy guaranteed to meet your venue's insurance requirements - or your money back
  • Extra expenses coverage
  • Specialty events - weddings, retirement parties, business/organization events (5K runs, craft fairs, non-profit fundraisers), etc.
  • Professional counseling