• Jun 15, 2025
• By Cervantes

Destination Wedding Insurance Requirements by Country Planning a destination wedding is an exciting experience, but it also comes with unique challenges—especially when it comes to protecting your investment

Wedding insurance can safeguard against unforeseen circumstances such as cancellations, vendor issues, or extreme weather. However, insurance requirements vary by country, making it essential to research local regulations before finalizing your plans.

Below is a guide to destination wedding insurance requirements in popular wedding destinations worldwide.

1. United States

Insurance Requirement::

No legal mandate, but highly recommended.

Key Considerations::

– Many venues require liability insurance (typically –2 million in coverage).
– Cancellation/postponement insurance is optional but advisable.
– Some states (e.g., Florida) may have additional weather-related clauses.

2. Mexico

Insurance Requirement::

Not mandatory, but some resorts require event liability coverage.

Key Considerations::

– Check if your venue requires a local insurance policy.
– Travel insurance with medical coverage is strongly recommended.
– Some policies exclude hurricanes (common in coastal areas).

3. Italy

Insurance Requirement::

No legal requirement, but venues may request liability insurance.

Key Considerations::

– Civil ceremonies may require additional documentation.
– Weather-related cancellations are common, so consider a comprehensive policy.

4. France

Insurance Requirement::

Some venues require “Responsabilité Civile” (liability insurance).

Key Considerations::

– Outdoor weddings may need additional permits and insurance.
– Non-EU couples may face stricter documentation rules.

5. Greece

Insurance Requirement::

No legal mandate, but venues often require liability coverage.

Key Considerations::

– Island weddings may have stricter policies due to limited resources.
– Travel insurance with medical evacuation is advisable.

6. Jamaica

Insurance Requirement::

Not mandatory, but resorts may require liability insurance.

Key Considerations::

– Hurricane coverage is highly recommended (June–November).
– Some policies exclude “Acts of God” (natural disasters).

7. Spain

Insurance Requirement::

No legal requirement, but venues may request liability insurance.

Key Considerations::

– Beach weddings may require special permits.
– Cancellation policies should cover last-minute vendor issues.

8. Thailand

Insurance Requirement::

No legal requirement, but some venues request liability coverage.

Key Considerations::

– Monsoon season (May–October) may affect wedding plans.
– Medical travel insurance is highly recommended.

9. Bahamas

Insurance Requirement::

Some resorts require liability insurance.

Key Considerations::

– Hurricane coverage is crucial (June–November).
– Destination weddings often require a marriage license from the Bahamas.

10. Costa Rica

Insurance Requirement::

No legal mandate, but venues may require liability insurance.

Key Considerations::

– Rainy season (May–November) may impact outdoor weddings.
– Travel insurance with medical coverage is advisable.

Final Tips for Destination Wedding Insurance

Check Venue Requirements::

Always confirm insurance policies with your venue.

Read Policy Exclusions::

Some insurers exclude natural disasters or pandemics.

Consider Travel Insurance::

Medical and trip cancellation coverage is essential.

Work with a Specialist::

Some insurers offer destination wedding-specific policies.

By securing the right insurance, you can enjoy your special day with peace of mind, knowing you’re protected against unexpected setbacks.

Would you like recommendations for wedding insurance providers specializing in destination weddings?