The Best Wedding Insurance of 2026

BriteCo: Top Pick for Wedding Insurance

Pros

• The policy goes beyond standard coverage, with protections for COVID and a “cancel for any reason” option.
• Coverage is affordable with zero deductibles and no hidden fees.
• Partners include wedding venues and planners that can offer extra event discounts.
• Couples get a 10% discount when bundling liability and cancellation coverage together.
• The easy online process provides a quote in seconds.

Cons

• BriteCo does not cover destination weddings outside the US or cruise-based weddings.
• The company limits pet coverage to cats and dogs.

BriteCo summary

BriteCo brings a fresh approach to wedding and event insurance for today’s couples. The company’s liability and cancellation coverage goes further than most competitors, even covering wedding and event postponements due to COVID. And unlike other insurance providers, BriteCo offers a “cancel for any reason” add-on option that will reimburse you up to 75% of non-refundable payments and deposits, even if you and your partner have a change of heart.

Using BriteCo’s fast and seamless online process, you can easily get a policy quote in 30 seconds. BriteCo’s customer service is also outstanding, providing a real person to help answer any questions and take you through the claims process. This ensures you are confident in your coverage and keeps you in the loop from start to finish.

All of this makes BriteCo a must for getting a wedding insurance quote in minutes.

WedSafe: Good for High Liability Limits

Pros

• Liability coverage is available up to $5 million, which meets the most stringent venue requirements.
• The company offers a competitive 15% discount on the total premium cost when you combine liability and cancellation insurance.
• Couples can purchase coverage up to the wedding day.
• WedSafe’s helpful two-minute webinar video describes why wedding insurance is so valuable.

Cons

• WedSafe’s website appears outdated and presents tech issues on several browsers.
• A deductible typically applies when you make a claim.
• The company does not cover pets or any event that includes live animals.

WedSafe summary

If you are looking to bundle liability insurance and event cancellation coverage, WedSafe offers a 15% saving when you combine them. The process for obtaining coverage is a bit lengthy, as the company’s online form presents several fields to fill out to receive your quote. However, WedSafe’s two-minute webinar video that explains wedding insurance can be helpful for understanding the benefits.

Wedding Protector Plan: Ideal for Destination Weddings

Pros

• Policies covers destination weddings outside the US, including Mexico, Canada, the Caribbean, and the UK
• Couples can choose from 10 different tiers of coverage with matching premium costs for each.
• The company automatically includes host liquor liability insurance if you serve alcohol at your event

Cons

• Liability insurance requires event cancellation coverage, which means added costs.
• There are no discounts for combining liability and cancellation policies.
• Liability policies only cover up to $25,000 in damages, which may not meet a venue’s requirements, resulting in additional fees to increase the amount.

Wedding Protector Plan summary

Wedding Protector Plan offers wedding insurance coverage through Travelers. Policies cover events in most US states, as well as events in various parts of the world, including Mexico, Puerto Rico, Canada, Bermuda, the Bahamas, Turks and Caicos, the Caribbean Islands (excluding Cuba and Haiti), and the UK. There is no additional surcharge for remote locations.

The Financial Review has evaluated coverage from several of the top specialty insurance companies that focus on weddings and events. Because of the sizable investment behind a wedding or large event, which can typically span a weekend or two to three days, couples are wise to consider both liability and cancellation coverage. In some cases, a wedding venue may require event liability insurance.