Is Honeymoon Travel Insurance Necessary? Here’s Your Answer

Planning a honeymoon comes with a lot of questions. Where do we want to go? What do we want to fill our itinerary with? What’s the best resort for us? What should we pack? And perhaps the biggest (and maybe most important) question of all: Do we need honeymoon travel insurance? 

It’s a valid question. You never know what could happen while on your romantic getaway, but you might also not want to spend the money if it’s not necessary. As professional honeymoon planners, we’ve often heard the question from couples. In this blog, we break down the answer. We cover the pros and cons of travel insurance, and whether you actually need it for your honeymoon. Keep reading to hear from the experts. 

What is Travel Insurance for Honeymoons?

Honeymoon travel insurance protects a couple on their post-wedding getaway. It’s a specific type of insurance if your honeymoon is unexpectedly canceled or postponed, or if something happens that is fully outside of your control. It usually covers things like cancellations, medical and dental insurance, lost luggage, and more, depending on the plan you choose. 

Since honeymoons can cost between $5,300 and $6,500, many couples consider insurance a worthwhile investment to help them feel at ease during their trip. 

Should You Get Travel Insurance for Your Honeymoon?

While travel insurance isn’t required, it is highly recommended for couples. At Romantics Travel, we plan several honeymoons annually and always encourage our couples to invest in travel insurance for peace of mind and extra protection. 

It’s 100% your decision whether you decide to purchase insurance or not. Before doing so, consider these pros and cons:

Pros of Purchasing Honeymoon Travel Insurance

• Financial Protection: Many travel insurance options cover up to six figures in unexpected medical expenses, trip cancellations, and more. Since you’re already spending thousands on the honeymoon itself, having that extra financial protection can feel really good when going. 

• Peace of Mind: Not everything is in your control, and having that thought in the back of your mind can cause unnecessary stress. What if I get hurt? What if we lose our bags? What if our flight is canceled? Racing thoughts like these can quickly deflate the excitement for your honeymoon and instead turn it into a stress-filled getaway. With travel insurance, you know you’re taken care of no matter what happens. 

• Cancel for Any Reason (CFAR) Flexibility: Many travel insurances offer a CFAR upgrade option that allows you to cancel for personal reasons and recovers 50% to 75% of all honeymoon expenses, which can feel like a huge weight lifted off your shoulders. 

  
  

Cons of Purchasing Honeymoon Travel Insurance

• Additional Cost: Honeymoon travel insurance adds to the honeymoon cost, so if your budget is smaller, it's worth considering. However, many couples find it well worth the cost for peace of mind and total relaxation while away. 

• May Not Use it: If your honeymoon goes exactly as planned, you won’t maximize the value of your policy. But having it there just in case can also be invaluable for mental stability. 

6 Things Honeymoon Travel Insurance Should Cover

When shopping around for honeymoon travel insurance, look for policies that cover: 

1. Trip Cancellation & Trip Interruption

Travel cancellation and interruption reimburse prepaid travel expenses if your honeymoon needs to be canceled or cut short. For example, if a family member suddenly passes away and you have to cancel your trip, coverage will apply. It can also cover for weather-related cancellations and interruptions. 

2. Emergency Medical Coverage

This is essential for a honeymoon, especially if you’re going overseas and are doing adventurous activities while on your getaway. Emergency medical coverage can reimburse you for injuries or illnesses that require hospitalization or emergency medical care for any reason. 

3. Trip Delay & Missed Connections

Delays happen. Try to find a honeymoon travel insurance option that covers incidental expenses like meals, hotel stays, and more, while you wait for your honeymoon to resume. 

4. Medical Evacuation

If you need to be transported to the nearest hospital or medical facility, medical evacuation covers the cost. Even if you’re staying at a resort, this is really important for peace of mind. 

5. Rental Car Protection

If you’re renting a car during your honeymoon, find a travel insurance plan that covers collision, loss, and damage of the rental car. Anything can happen, so it’s best to be extra cautious. 

6. Baggage & Personal Items

Baggage loss insurance can reimburse the cost of luggage and belongings if your bags are lost or stolen. Whether you’re carrying valuables or not, having baggage protection can help you fly with ease. 

FAQs

How much is honeymoon travel insurance? 

Travel insurance generally costs about 4% to 10% of your total honeymoon cost. Costs depend on the honeymoon itself, your ages, how long you stay, the destination, and more. 

When should I buy travel insurance for my honeymoon?

When planning your honeymoon, we recommend buying travel insurance as soon as you make your first trip deposit or payment, such as a flight or resort. 

What is not covered by honeymoon travel insurance? 

• Pre-existing medical conditions: Unless you qualify for a waiver, existing health issues may be excluded.

• Changing your mind: Canceling for personal reasons usually isn't covered without a Cancel for Any Reason upgrade.

• High-risk activities: Scuba diving or skydiving may require additional coverage.

• Known events: Issues like a foreseeable hurricane may not qualify for cancellation coverage.

• Alcohol-related incidents: Some policies exclude injuries or accidents involving intoxication.

• Unattended belongings: Lost or stolen valuables left unsecured may not be covered.

• Routine medical care: Checkups and elective procedures generally aren't covered.

• Uncovered cancellations or delays: You won't necessarily be reimbursed unless the reason meets your policy's terms.

Exclusions vary by provider, so always read your policy before booking your honeymoon.

Work With the Experts to Plan a Honeymoon That’s Insured

Planning a honeymoon can quickly become stressful when it really doesn’t have to be. If the thought of travel insurance for your honeymoon overwhelms you, we understand. At Romantics Travel, we have a list of recommended travel insurance companies, and we’ll handle all the aspects of honeymoon planning so you can relax and show up to a pre-planned getaway. 

If you’re planning a tropical romantic getaway, fill out our honeymoon questionnaire to get started on making it a reality.