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• • If a member of the wedding party or immediate family is seriously injured, becomes too ill to attend or dies suddenly, rescheduling costs will be covered. However, illness or injury caused by preexisting conditions may be excluded.
• • If an essential vendor goes out of business or doesn't show up, you're covered for deposits paid and possibly for the complete cost to reschedule the event.
• • Some policies will pay to restage the wedding (including travel costs, cake and flowers, etc.) with the principal participants and immediate family members if the photographer fails to appear, botches the shots, or the negatives are lost, stolen or damaged; others may only pay an allowance toward reshoots.
• • Gift coverage pays to repair or replace lost, stolen or damaged non-monetary gifts.
• • Wedding attire coverage will pay to repair or replace the bridal gown and other special attire bought or rented for the bride, groom or attendants, when lost, stolen or damaged.
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• And finally, some insurers now provide "change of heart" coverage in case the bride or groom gets cold feet. If that's a real possibility, you should probably invest in premarital counseling before looking at cakes and bridesmaid dresses.
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• Jason Alderman directs Visa's financial education programs.