Every couple hopes for a flawless wedding day. Months of planning, countless decisions, and significant financial investments all lead up to one unforgettable celebration.
But even the most carefully planned weddings can encounter unexpected challenges.
According to Travelers' 2025 wedding insurance claims data, vendor-related issues were the leading cause of paid wedding insurance claims for the fifth consecutive year, accounting for more than half of all claims. Other common causes included sudden illness or injury, extreme weather, accidental damage or injury, and military deployment.
The findings offer valuable insight for couples currently planning their weddings and highlight several important steps that can help reduce risk before the big day arrives.
Vendor-related issues accounted for 55% of paid wedding insurance claims in 2025, making them the most common source of wedding disruptions by a significant margin.
These situations can include:
A vendor failing to fulfill contractual obligations or not showing up on the wedding day
A photographer failing to provide wedding photos after the wedding
A venue unexpectedly closing before the event
For many couples, vendor deposits represent one of the largest portions of their wedding budget. That's why it's important to thoroughly research vendors, read reviews, request references, and carefully review contracts before committing.
While no couple wants to think about a medical emergency affecting their wedding, illness or injury represented 16% of paid claims in 2025.
Whether involving the couple, a member of the wedding party, or an immediate family member, unexpected health issues can force difficult decisions about postponing or rescheduling events.
Military deployment also remained a cause of wedding insurance claims, accounting for 3% of paid claims.
Extreme weather was responsible for 10% of paid wedding insurance claims in 2025. Severe storms, hurricanes, flooding, winter weather, and other natural events can impact venues, vendors, and travel arrangements.
For outdoor weddings and destination celebrations especially, weather contingency planning should be part of every couple's preparation strategy.
One important consideration: weather-related protections are often only available if coverage is purchased before a storm is named or forecasted.
Accidental damage or injury accounted for 6% of paid wedding insurance claims in 2025. Even the most organized celebrations involve numerous vendors, guests, rented property, and moving parts.
From damaged décor and venue property to unexpected injuries during an event, these situations can create financial consequences that many couples never anticipate during the planning process.
To help avoid wedding-day disruptions, Travelers recommends:
Research reviews, ask for referrals, verify business credentials, and understand cancellation policies before placing deposits and signing contracts.
If you're considering wedding insurance, secure coverage before any named storm develops and before weather-related concerns arise.
Accidents can happen even when events are carefully planned. Understanding your venue's requirements and available protection options can help prevent surprises.
Many covered scenarios require that a policy be in place well before an issue occurs. Waiting until shortly before the wedding may limit available protections. Wedding insurance policies can be purchased up to two years in advance of the wedding date.
Weddings represent one of the most meaningful, and often one of the largest, personal investments many couples will make. The lessons from 2025 claims data are clear: while most weddings proceed without major issues, preparation matters.
By carefully selecting vendors, planning ahead for extreme weather and other disruptions, and securing insurance coverage early, couples can focus more on celebrating and less on worrying about the unexpected.
Offered through Travelers, the Wedding Protector Plan® can provide wedding insurance coverage for the ceremony, reception, rehearsal, rehearsal dinner, and a post-wedding brunch without a deductible. There’s also the option to add liability coverage for many other things that could go wrong. With the Wedding Protector Plan®, you can help find peace of mind for your big day.
Get a Quote or Purchase a Policy when the wedding planning begins.
The information in this post is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this post alters the terms or conditions of any of our policies. Please read the policy for a complete description of coverage. Coverage options, limits, discounts, and deductibles are subject to individuals meeting our underwriting criteria and state availability.
Source: Travelers Identifies Most Common Wedding Insurance Claims of 2025, June 2026.