time icon 6 min read update icon Sept. 20, 2019
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WedSafe was founded in 1999, and has grown to be a premier wedding insurance supplier in the United States.

In 1999, a couple who could not find wedding insurance decided to establish WedSafe. Since then, the company has grown by leaps and bounds. Its policies are underwritten by K&K Insurance Group, Inc. and Nationwide Group. The company provides wedding liability and wedding cancellation insurance. The insurance policies can be tailored to fit anyone's budget and requirements. WedSafe features six different options for liability coverage, and ten policy choices for cancellation or postponement. Plan prices start at $130. 

Most weddings are expensive affairs. It is estimated that the typical wedding now costs over $29,000. Often, venues must be booked a year or more in advance, and require expensive down payments to hold the reservation. Many venues will not take reservations without wedding liability insurance in place. Life is constantly changing, so sometimes unexpected things happen that cannot be controlled. In such an instance, without insurance, a person will lose thousands of dollars. 

Seniors planning their own late-life wedding know how dramatically things can change and how quickly an unexpected illness can occur. Carrying wedding insurance can prevent a financial catastrophe

Grandfolk Scoring
Cost 10/10
Coverage 10/10
Waiting period 8/10
Customer support 9/10
Policy options 9/10
Payment options 8/10
Financial strength 10/10
Ease 10/10
How much do policies cost?
The basic liability policy starts at $130
What is covered?
Liability insurance, medical payment insurance, and more
Waiting period
Is there a waiting period?
Unlikely, but speak with the company for details
Customer support
When is customer support available?
By phone 9 AM-8 PM EST Mon-Fri, or by email anytime
Policy options
How many policies are available?
There are 10 policy options
Payment options
How do I pay for the service?
Credit or debit card
Financial strength
Is the company financially strong?
Is it easy to obtain a policy?
Yes, the entire policy can be purchased online or by phone
Age Score:
50-64 Years
65-74 Years
75-84 Years

Many seniors are not familiar with wedding insurance, because it is a relatively new product on the market. However, it is extremely easy to purchase either via the phone or online. Seniors planning their own wedding know that tomorrow is always changing, and making advance plans is often dangerous. Wedding insurance helps provide peace of mind for a senior. Even if the senior is financing the wedding for a child or grandchild, they can still purchase a policy to ensure that if something unexpected happens, they will not lose their investments. 

With WedSafe insurance, a senior can safely purchase a policy online or receive a free quote. If they would rather speak directly with a customer service agent, then they can call the company’s customer service hotline. Once an insurance policy has been purchased, the company will automatically email the certificate to the senior’s email. 

Health Score:
Great Health
Good Health
Fair Health
Poor Health

With advancing years, seniors often face a variety of health issues and crises. The future is never guaranteed. Weddings often have to be planned a year or more in advance if a particular venue is going to be used. Such situations mean the future is uncertain, because with each advancing year, a person’s health can take a turn for the worse. Purchasing wedding insurance from WedSafe helps alleviate many worries about what the future holds from a financial perspective.

The peace of mind that a senior will receive knowing that they will be covered financially if something unexpected should occur is priceless. Just alleviating the stress and worry is enough to make anyone feel physically and mentally relieved. No one wants to face a steep financial loss if something unexpected should occur, and with a secure insurance policy in place, financial ruin can be derailed.


  • You can purchase a policy in minutes online. The system is quick and easy to use. A certificate of insurance will be immediately mailed to you. ‘
  • A claim can be submitted 24/7 for speedy processing. 
  • WedSafe has a very detailed website that offers quick and easy answers to many questions. 
  • Insurance plans are reasonably priced and start at only $130.


  • Policies cannot be updated or changed online. You must call customer service to make any changes.
  • There is no cancellation refund if you change your mind and do not want the insurance policy. 
  • No senior discounts.

Bottom Line:

Weddings are an expensive investment. A sudden change or calamity can cause serious financial loss if you do not have any wedding insurance in place. Nowadays, venues book up a year or two in advance and require hefty non-refundable deposits to reserve. Many venues also require wedding liability insurance before a reservation can be made. An illness, a change of heart, or any other situation can arise at any time. If it does, it may mean you will have to suddenly cancel all reservations or reschedule. This can ultimately cost thousands of dollars. Wedding insurance though WedSafe helps protect you against most future unknowns regarding the upcoming wedding. 

Seniors can purchase a policy for as little as $130. The policies offered cover all expenses over the cost of the deductible for a canceled wedding, and any wedding-related events such as receptions or even honeymoon accommodations. Many other things are covered, such as event gifts, deposits, special attire, jewelry, flowers, photography, video, and entertainment. There are six coverage limits that start at $500,000 and go up to $5 million. Seniors can also choose cancellation options such as change of heart, weather, and illness or injury.

Frequently Asked Questions:

How do I pay for my policy?

You can get a quote and purchase insurance online 24/7/365. You can also opt to buy a policy on the phone with a customer service representative.

Can I change my plan? 

Changes can be made by calling customer service.

Can I cancel my plan?

No, cancellations are not accepted.

More Information:

Overview: WedSafe insurance is available for purchase 24/7/365. You can get a quote, purchase, and print the policy at any time online. You can also purchase policies over the phone. 

Package Details:To begin, you can first purchase basic liability, and then choose from the other packages to add on, such as cancellation/postponement with a change of heart clause, gifts, jewelry, loss of deposits, photographs and video, rented property, attire, and professional counseling. There are ten policy choices. 

Individual Plans:  All policies are individual.

Family Plans: There are no family plans, or family plan discounts.

WedSafe App: WedSafe does not have a phone app. 

Discounts: No discounts.

Add-On Services:  After purchasing the base liability plan for $130, you can add on other policies such as cancellation/postponement with a change of heart clause, gifts, jewelry, loss of deposits, attire, and photographs and video.

Additional Company Details:

Payment Policies: All policies can be purchased on the phone or the WedSafe website using a major credit card. 

Cancellation Policy: Once purchased, you cannot cancel your policy, but you can alter it. 

Warranty: WedSafe stands behind all ofits policies. 

Accreditations: WedSafe is not accredited by the Better Business Bureau, and has not received a rating with the organization. 


WedSafe is a member of Aon Affinity. All of its insurance products are underwritten by the Nationwide Mutual Insurance Company. The company provides superior customer service. Claims are typically answered within 24 hours. 


900 Stewart Ave #400, 
Garden City, NY 11530
Tel: 877-723-3933

Kimberly Sharpe - Senior Advisor

Kimberly is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.