Does Wedding Insurance Cover a Change of Heart?

Yes, some wedding insurance policies do include change of heart insurance, which allows you to recoup your financial investment in the event that a bride or groom gets cold feet and wants to call off the wedding.

However, don’t just assume that because you have wedding cancellation insurance that you automatically have cold feet wedding insurance, too — and even if you are sure you have change of heart coverage, make sure you read your policy’s fine print.

While it’s not something a lot of couples like to think about, here’s everything you need to know about change of heart wedding insurance before the big day.

Does Wedding Event Cancellation Insurance Come With Change of Heart Coverage?

Cancellation insurance doesn’t necessarily come with change of heart coverage. While wedding insurance for change of heart typically falls under a cancellation policy, the two are not one and the same, and some event cancellation coverage may only cover unforeseen circumstances, such as your wedding venue shuttering last-minute or a natural disaster making the wedding unsafe.

You might argue that no couple ever foresees themselves having cold feet about the wedding, but many wedding insurance companies don’t view it the same way.

What Do Standard Wedding Cancellation Policies Cover?

For insurance coverage specifically related to a change of heart or cold feet, you’ll likely need to specifically ask to add this specialized and optional coverage to your wedding insurance policy. It likely does not come included in the base cancellation policy.

Some will also offer additional extra and optional coverage such as postponement insurance, in case the wedding isn’t canceled, but merely postponed to a later date.

Does Wedding Liability Insurance Come with Change of Heart Insurance?

No, wedding event liability insurance is completely different from change of heart insurance and wedding insurance providers will sell this coverage separately.

Liability insurance protects both your venue and you from financial responsibility in the event that the venue is damaged over the course of your wedding day, or in the event that a guest is harmed during the event. Many venues will actually require you to purchase event liability coverage ahead of reserving the space.

If you’re planning to serve alcohol at your wedding, they’ll also likely request you purchase host liquor liability insurance, which protects you both from financial responsibility for damage or harm related to alcohol consumption.

At BriteCo, Does Wedding Insurance Cover a Change of Heart?

BriteCo does provide coverage for change of heart cancellations if you choose to add that coverage onto your broader cancellation policy. Our optional coverage will allow you to recoup up to 75% of your non-refundable wedding expenses in the event of a covered “change of heart,” including a qualifying breakup.

In a standard cancellation policy, in addition to covering cancellations due to vendor issues, weather, and illness as discussed above, BriteCo also provides coverage for damaged attire; theft, loss, or damage to wedding gifts or jewelry; and professional counseling following a canceled wedding.

How Do You Purchase Wedding Insurance for Cold Feet?

First, find providers that offer wedding insurance change of heart coverage (not every provider does), then request quotes for a policy, and purchase the policy that best fits your needs. Make sure to read all fine print and coverage limits before signing on the dotted line.

It’s best to buy wedding insurance as early in the wedding planning process as possible, as unforeseen events can occur at any time. Your stationer could take your deposit for your invitations six months out from the wedding and then ghost you, for example. Cancellations and vendor failures don’t just happen on the wedding day. When you have wedding insurance, your investment is covered.

How Much Does Wedding Insurance Cost?

A wedding is a significant investment, but wedding insurance will be one of the most affordable purchases you make during wedding planning, with BriteCo’s policies starting at just $80.

Wedding Insurance Change of Heart FAQs

How Can You Save Money on Wedding Insurance?

You can save money on wedding insurance by only buying the coverage that’s absolutely crucial — such as wedding liability insurance that may be required by your vendor — but when wedding insurance is so affordable and can help you recoup some pretty substantial losses if necessary, there’s really no reason to penny-pinch when it comes to this cost.

Which Family Members Does Wedding Cancellation Insurance Cover?

Some wedding cancellation insurance will cover the cost of cancellations related to the illness or death of an immediate family member, which includes parents, siblings, grandparents, and children. However, some policies pay nothing if the family members’ illness is related to a known, pre-existing condition. You’ll want to check your individual policy for the fine details.

Do I Really Need Change of Heart Insurance?

Not every couple will want change of heart insurance, and some may even balk at the idea, considering it a sign of a lack of faith in the relationship. But those feelings don’t stop the unimaginable from happening, and change of heart insurance can help if it does. Pair that reality with the fact that change of heart insurance is so affordable, and it can be a smart investment.

How Late Can You Buy Wedding Insurance?

You can buy wedding insurance right up until the day of the wedding. However, that’s not typically advised, as you can experience cancellations and vendor issues well in advance of the wedding day. You could potentially be making deposits to vendors as much as a year or more ahead of the wedding date and, if you have wedding insurance at that time, it means that your investment is protected if anything happens over the next 12 months.

Who Gets Reimbursed if the Wedding is Canceled?

Whoever finances the wedding will be the individual to receive a reimbursement from a wedding cancellation policy. This may not always be the couple getting married and may, instead, be the couple’s parents. As such, if parents are financing a wedding, they may also want to look into the possibility of buying a wedding cancellation policy with optional change of heart coverage included.

Get Your Quote for Wedding Cancellation Insurance, Including Change of Heart Coverage, Now

Not every reputable company that offers wedding cancellation coverage also offers cold feet coverage, but BriteCo does — and getting your quote is as simple and easy as filling out a short online form.

Get your wedding insurance quote now.

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