Honeymoon Insurance
When it comes to protecting your honeymoon there will be three things to consider: honeymoon insurance, travel insurance and wedding insurance. There is a good deal of overlap between these three types of insurance, and so it will be important to think about what the best combination for you will be, without risking being under insured or paying more than you need.
Honeymoon insurance is very much like normal travel insurance in many ways, but there are often extra benefits which can be absolutely essential in certain cases.
Honeymoons are often not like traditional holidays, and so it will be important to make sure that those differences aren't overlooked or ignored, as you could end up regretting it later.
What Is Honeymoon Insurance?
Honeymoon insurance, much like travel insurance, protects you in three main ways:
- If your honeymoon has to be cancelled because of health problems, travel problems or issues with the destination
- Medical care & treatment if you fall ill or have an accident
- Travel & transport back to UK if needed in an emergency (such as a serious medical issue that can't be treated abroad, war or natural disaster)
- Lost/stolen luggage
However, different policies and insurers will offer different options, terms, conditions and restrictions, and so it's important to read the small print carefully. One issue which will need to be considered very carefully when choosing between normal travel insurance and honeymoon insurance is protection against the kind of activities you might get up to, (apart from that one!)
For example, people often choose to do adventurous activities such as bungee jumping, scuba diving, horse riding and skiing, and it may well be the case that these activities are not covered by a standard travel insurance policy. Honeymoon insurance policies often provide more flexibility as far as protecting you even when enjoying more risky activities.
It's also often the case that people choose their honeymoon destinations with a view to exploring more remote, adventurous or exciting destinations which might not be chosen for normal holidays. This may involve additional risk factors, such as the region being politically sensitive, or prone to natural disasters such as floods, volcanoes, earthquakes and tornadoes.
Not all honeymoon insurance schemes will provide complete protection in such cases, and so it's important to be fully aware of all potential risks, and check how you would be covered if, for example, you needed emergency evacuation from the area. However, as with travel insurance, most honeymoon insurance policies will not cover 'Acts of God', which include natural disasters which could not be foreseen or prevented, such as tsunamis, flooding and earthquakes.
How Can I Get The Best Deal On Honeymoon Insurance?
It's important to be aware that the best deal as far as honeymoon insurance is concerned may well not be the cheapest. Be prepared to pay more for a better level of cover - you'll be very glad of it if you need to rely on it in an emergency. Remember, honeymoon insurance is there to protect you if the absolute worst happens, and it's exactly when the absolute worst does happen that you don't want to find you're unprotected because you wanted to save a few pounds on your premium.
Having said that, there are a few things you can do to help lower the overall cost of your honeymoon insurance:
- Choose a higher Voluntary Excess - The Voluntary Excess is the amount you contribute towards any claim. So if you needed £1,000 to replace lost luggage and your Voluntary Excess was £150, the insurance company would pay the remaining £850. The higher your Voluntary Excess, the lower your premium.
- Think long term - Honeymoon insurance normally protects you for one single trip. If you're planning on travelling again later in the same year then a more cost effective solution is to take out an annual travel insurance policy, as long as it still offers you the protection you need for both your holiday and your honeymoon. If you know you'll definitely not be travelling abroad again for at least the next 12 months then single trip insurance is almost always going to be very much cheaper.
- Shop around - Insurers vary tremendously, both in what they can offer, and what they'll charge. It's important to sit down and think about what you really need from your honeymoon insurance, as well as what you don't need, and then compare as many insurance companies as you can in order to get the best deal. But just remember, the best deal isn't necessarily the cheapest deal - it's the one that represents the most appropriate form of cover at the best price.
Finally, if you're having your wedding abroad as well, you'll need to think about making sure that items such as your wedding dress and wedding presents are also covered, either by an extended wedding insurance policy, or your honeymoon insurance.
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