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Destination Wedding Checklist – How Travel Insurance Can Help

Alevin Chan

Alevin Chan

Last updated 09 February, 2023

Travel insurance doesn’t cover your nuptial ceremony, but it can still be immensely helpful in a destination wedding. Here are the insurance benefits couples getting married overseas should look out for.


Best Travel Insurance in Singapore on SingSaver

Allianz Partners Travel Insurance | AIG Travel Guard® Direct | FWD Travel Insurance | Singlife Travel InsuranceMSIG TravelEasy | Etiqa (TIQ) Travel Insurance


Having a destination wedding is no doubt a bucket-list item, and the IG posts alone will make hosting one so worth it. 

But it can also be riskier, what with having to actually go to another country – with finery and guests and family in tow – in order to exchange vows. 

All the more reason, then, to make sure you have proper insurance coverage just in case anything should go wrong on your big day. And that’s where travel insurance comes in.

Now, it’s important to understand that a travel insurance plan isn’t meant to cover your wedding ceremony. In fact, you may want to check what coverage or assurance – if any – will be offered by the venue or caterer or other important vendors. 

But, for everything else leading up to and throughout the entirety of your overseas wedding trip, travel insurance can play an important role. 

Table of contents

FD_TI_INBLOGARTICLE_800x250
SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

FWD Travel Insurance

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from S$22.50 (for 1 week in Asean)

Yes

Use the promo code ENDSEP to get 25% off on Single Trip and Annual Trip plans. Valid till 27 September 2023. T&Cs apply. 

Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 3o Sep 2023. T&Cs apply. 

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02

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from S$39 (for 1 week in Asean)

Yes

Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 30 Sep. T&Cs apply.

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 2023. T&Cs apply. Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Starr TraveLead Travel Insurance


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from S$11.05 (for 1 week in ASEAN)

Yes

Receive up to $50 Grab Vouchers and 35% discount plus an EXCLUSIVE Agoda promo code when you apply using the promo code SSVTL35. Valid till 30 September 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Allianz Travel Insurance
AZ logo

 

from S$34.10 (for 1 week in Asean)

Yes

Get 35% discount and receive up to S$50 worth of Grab vouchers when you use the promo code G035. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

MSIG Travel Easy

 

from S$34.10 (for 1 week in ASEAN)

Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 Sep 2023. T&Cs apply

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 

 

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 from S$46.20 (for 1 week in ASEAN)  Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

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 from S$45 (for one week in Asean) Yes

Single Trip: Enjoy a 30% discount when you apply now! Valid till 30 Sep 2023.

Annual Trip: Enjoy a 10% discount when you apply now! Valid till 30 Sep 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

 

from S$30 (for 1 week in Asean) Yes

Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG)  Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

 

 from S$52 (for one week in Asean) Yes

Single Trip: Get an 20% discount when you use the promo code TSP20S.

Annual Trip: Get an 10% discount when you use the promo code TSP10A. 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Promotion ends on 31 December 2023. T&Cs apply.


What travel insurance benefits do you need for a destination wedding?

#1 Overseas medical expenses and emergency evacuation

Overseas medical and emergency evacuation cover is the core function of any travel insurance plan, and for destination weddings, it’s no different. 

No need to go overboard here, just make sure the coverage offered matches the destination you’re travelling to. For instance, you can probably make do with lower coverage for a wedding in Bali, but if you’re having your ceremony in Hawaii, you’ll likely need a higher level of benefits. 

Since you’re likely to be travelling with family and friends, you may consider getting a group travel insurance plan. This could allow you to obtain higher coverage at a lower cost per person. 

If you go this route, clarify what the policy group limit is. This is the maximum amount the policy will pay out in the event of an insured event, and will be split among all claimants.

More on this topic:
Cost Guide to Weddings in Singapore 2023
8 Affordable Wedding Venues in Singapore for 2023
Best Credit Cards To Use For Wedding Expenses
6 Wedding Regrets Of Singapore Couples
Why A Banquet Wedding May Not Be Your Best Option In 2023

#2 Luggage and personal belongings

Besides having sufficiently high overseas medical expenses and emergency evacuation cover, it’s also important to have ample luggage and personal belongings benefits.

Let’s be clear; having a travel insurance plan doesn't magically ensure that your luggage won’t get delayed or go missing. But, in the statistically unlikely event it does, having insurance coverage will help you defray the cost of replacing your belongings– or part of it, at least.

This will allow you to simply go ahead and buy the missing items without having to add too much to that pile of debt you probably already racked up. (Hey, no judgement here – there’s nothing wrong with taking on debt to fund your destination wedding, as long as you’ve worked out a plan to pay it all off in a reasonable timeframe.)

Do note that conventional travel insurance plans have sub-limits for high-worth items such as laptops, cameras and jewellery. This means you will be restricted in how much you can claim for such items. 

If you’re bringing, say, the family diamond necklace that has been passed down through the generations, consider getting a separate insurance plan specifically for high-value items. Such plans are pricier, but will offer higher coverage, in some cases up to full cover. 

More on this topic:
Travel Insurance Guide: Five Things All Travellers Must Know
Best Travel Insurance Singapore for Adventure Seekers
Travel Insurance Plans For Stolen/Lost Phones: Claim Up To $2,000
These Travel Insurances Offer Up to S$1000 On Camera Equipment
Travel Insurance Add-ons: Which Ones Are Worth Your Money?

#3 Travel delay and trip interruption

Travel delay and trip interruption benefits in a travel insurance plan kicks in should your trip be delayed, or you’re forced to cut your wedding trip short and come back early. 

Typically, travel plans cover events such as flight delays or missed connections; these may force you to have to purchase alternative flights to get to your wedding destination. 

Meanwhile, having to come back early means wasting the hotel bookings and attraction tickets you’ve already paid for, which can be particularly painful if you’ve splurged on luxury accommodations and bespoke experiences.  

Generally, travel insurance offers trip interruption benefits, which you can use to help recover the cost of wasted bookings. 

Yet, trip interruption benefits vary across plans, both in terms of coverage level, and causes/reasons/events covered. This makes it important to pay attention to the actual benefits you’re getting, under what circumstances you can make a claim, and how much you can claim.

Some insurers also offer a “cancel for any reason” (CFAR) clause, which covers you for changes to your itinerary for any reason (except ones specifically excluded; these will be indicated in your policy). 

CFAR covers you against a wider range of events, which may be appealing for some. But note that you’ll have to bear part of the risk, which means you’re unlikely to receive full restitution. 

Still, as always when it comes to insurance, partial coverage is better than no coverage.

#4 Personal liability

Should your guests suffer accidents or injuries while attending your wedding ceremony, you could be on the hook for their medical bills, or may be held liable for losses or damages. 

The operative word here is “could/may”. In all likelihood, it needs to be proven that it was your actions or decisions that led to the injury or loss before your policy can be invoked, and that’s a task that may not exactly be cut and dried. 

Still, this is less about defending against a dramatic court battle and more about having an added resource to fall back on in case something unfortunate happens; having personal liability coverage will allow your guests to make a claim against your policy for compensation, provided the case goes through.

As such, it is worthwhile choosing a travel plan with high personal liability cover – or better yet, one that offers unlimited cover. 

Read these next:
Best Travel Insurance Plans And Promotions In Singapore
Where to Buy Travel Insurance (with COVID-19 Coverage) 2023


Best travel insurance plans for destination weddings

Singlife Travel Insurance

Singlife-1Singlife Travel Insurance covers trip cancellation for any reason, along with decent coverage for trip interruptions and change of travel dates.

There’s also unlimited coverage for overseas medical expenses, up to S$500,000 in personal accident cover, and up to S$2 million personal liability benefits. 

As an added bonus, you can also claim up to S$150 in case excessive rainfall causes disruptions to your carefully planned wedding ceremony on the day. 

See this also: Singlife Travel Insurance Review: Well-Rounded Coverage

Singlife Travel Insurance Promotion: Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.



Starr TraveLead

Buy Travel Insurance Online 🏝️ | From $4/Day With Covid Coverage

Starr TraveLead offers up to S$15,000 coverage for trip curtailment and cancellations, making it a suitable option for those seeking to protect a high-cost wedding trip. 

The plan also comes with unlimited coverage for emergency evacuation and repatriation, as well as up to S$1 million coverage for overseas medical expenses. 

Also noteworthy is the personal luggage cover of up to S$7,500 – with up to S$1,400 sub-limit for laptops (higher than many others) and up to S$1,000 for cameras and accessories. 

See this also: Starr TraveLead Travel Insurance Singapore Review

NTUC Income Travel Insurance

NTUC-Income-Bigger-LogoNTUC Income Travel Insurance offers up to S$15,000 for cancelling or shortening your trip, and up to S$2,000 for trip postponement or travel delays. These benefits can be very handy in dealing with unexpected disruptions in your overseas wedding trip. 

Also useful is up to S$8,000 cover for luggage and belongings, and up to S$8,000 for loss of travel documents – the latter can be used to defray the cost of extra accommodations while you wait for replacement travel documents. 

You can sign-up for this plan as a family for some savings, although this will cause your benefits to be capped at the respective family limits.

But it’s still worth considering, especially because this plan also has a PreEx version which covers travellers with pre-existing conditions, allowing family members with health conditions to travel with you.

See this also: NTUC Income Travel Insurance Review


Other travel insurance deals to check out ✈️

FD_TI_INBLOGARTICLE_800x250
SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance Premium for Individual Cover Covid-19 Coverage Promotion

FWD Travel Insurance

undefined

 

from S$22.50 (for 1 week in Asean)

Yes

Use the promo code ENDSEP to get 25% off on Single Trip and Annual Trip plans. Valid till 27 September 2023. T&Cs apply. 

Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 3o Sep 2023. T&Cs apply. 

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Etiqa (TIQ) Travel Insurance
Tiq_Etiqa_LogoLockUp-02

undefined

 

from S$39 (for 1 week in Asean)

Yes

Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 30 Sep. T&Cs apply.

Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023.  T&Cs apply.

Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 2023. T&Cs apply. Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023.

Starr TraveLead Travel Insurance


undefined

 

from S$11.05 (for 1 week in ASEAN)

Yes

Receive up to $50 Grab Vouchers and 35% discount plus an EXCLUSIVE Agoda promo code when you apply using the promo code SSVTL35. Valid till 30 September 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Allianz Travel Insurance
AZ logo

 

from S$34.10 (for 1 week in Asean)

Yes

Get 35% discount and receive up to S$50 worth of Grab vouchers when you use the promo code G035. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

MSIG Travel Easy

 

from S$34.10 (for 1 week in ASEAN)

Yes

Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 Sep 2023. T&Cs apply

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Singlife Travel Insurance

SINGLIFE_LOGO_200x50-2 

 

undefined

 

 from S$46.20 (for 1 week in ASEAN)  Yes

Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.

Allied World  Travel Insurance

Allied-World-Insurance-2

undefined

 

 from S$45 (for one week in Asean) Yes

Single Trip: Enjoy a 30% discount when you apply now! Valid till 30 Sep 2023.

Annual Trip: Enjoy a 10% discount when you apply now! Valid till 30 Sep 2023.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply

AIG Travel Guard® Direct 

aig-logo

 

from S$30 (for 1 week in Asean) Yes

Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG)  Valid till 30 Sep 2023. T&Cs apply.

Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.

Great Eastern Travel Insurance

Great-Eastern-1

 

 from S$52 (for one week in Asean) Yes

Single Trip: Get an 20% discount when you use the promo code TSP20S.

Annual Trip: Get an 10% discount when you use the promo code TSP10A. 

Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Promotion ends on 31 December 2023. T&Cs apply.

Read these next:
Ergo TravelProtect Review: Affordable & Offers Sports Coverage
MSIG Travel Insurance Review: Great Pre-Existing Conditions Coverage
AIG Travel Guard Direct Travel Insurance Review
FWD Travel Insurance Review

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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