After all of the meetings with caterers, the hassle of ordering and sending invitations, and generally having your mind on all things wedding 24/7 for months on end, there is light at the end of the tunnel—and it likely includes Mai Tais on the beach.
And when it comes to honeymoon location, there’s not much that beats an ocean view from your hotel room. Warm, sandy beaches are a top destination for honeymooners—and especially locations like Miami, Tampa, Key West, The Bahamas, The Cayman Islands, or Bermuda. Not only are these locations unbelievably gorgeous, but they’re often inexpensive for couples thanks to all-inclusive resorts or deals on cruises.
The only downside? These locations have a tendency to be hit hard during hurricane season, which just so happens to coincide with the peak of wedding season from June to October. Although it might not be the conversation you dreamed of having about your honeymoon, it’s important to consider the following when planning: what would happen if your honeymoon was scheduled right when the eye of a hurricane was supposed to hit your destination? Experts are predicting that this year’s forecast is pretty harrowing—so honeymooners should be paying attention before scheduling their post-wedding vacations.
While thinking about inclement weather isn’t necessarily the most romantic thing, it’s crucial that honeymooners protect themselves before they click to book their trip. One such way couples can protect their trip investment is by purchasing “Cancel for Any Reason” (CFAR) trip insurance. Let’s go over what CFAR insurance is, how much it costs, and how it can possibly benefit you.
What Is Travel Insurance?
Travel insurance, much like home or auto insurance, covers you when things go awry before or during your trip.
“Travel insurance plans are designed to reimburse you for non-refundable trip costs and provide coverage for emergency medical expenses, emergency medical evacuations, protection for baggage and personal effects, and more. So, if a hotel or airline offers only a partial refund, a travel insurance plan will pay the remaining part of your expense as long as you bought insurance for the full non-refundable cost of your trip,” says Justin Tysdal, CEO of travel insurance company Seven Corners.
Travel insurance is an additional expense to your trip, but it could end up saving you bundles of money if you have to leave your trip unexpectedly early due to a medical or family emergency. CFAR insurance specifically is an added protection (and added expense) on top of regular travel insurance, but it comes with more benefits. CFAR insurance allows travelers to cancel their trip for any reason they wish—including changing their minds.
If a traveler who purchases CFAR insurance cancels their trip, they have the ability to recoup up to 75% of the funds for their trip—and they can take their trip at another time when it’s more convenient (or when the weather clears up). This can be especially helpful to honeymooners who are interested in taking a trip to hurricane-prone areas as they are more likely to deal with unexpected delays or cancellations.
Not only will CFAR help honeymooners recover costs if their tip gets canceled due to inclement weather, but travel insurance will also help protect these travelers if they get caught in a storm when on vacation. They will be provided access to 24/7 assistance for medical or travel-related emergencies.
How Much Is Travel Insurance?
This number varies, but generally you can expect to spend about 4%-10% of your non-refundable costs on your trip. The amount you pay generally depends on how much your total trip costs are and the type of travel insurance plan that you choose.
When Do you Need to Purchase Travel Insurance?
If you’re thinking about purchasing travel insurance, it’s really best to do it while you’re initially booking your trip. The added protection of CFAR is specifically only available to travelers within 20 days of booking the trip on many travel insurance plans.
Honeymooners have the ability to purchase a plan either directly through the booking site (for example, many cruise lines will give travelers the option to buy it while booking a trip), or they can reach out to specific travel insurance companies who have a variety of plans available directly after they’ve booked their trip.