WeddinguardThis insurance provides financial protection against many of those things that can go wrong with your wedding plans, subject to policy wording.

If you are getting married within 1 year, this is the program for you. Note that the application MUST be received by PAL at least 3 full days prior to the ceremony date (example if wedding is on a Saturday, application MUST be received by PAL no later than 11:59pm on the prior Tuesday).

The Weddinguard policy offers peace of mind for a very special occasion.


1 - Commercial General Liability including Host Liquor Liability for three(3) 24 hour periods.  Includes coverage for rehearsal dinner, ceremony, reception and gift opening. 

2 - Wedding cancellation: Reimbursement of deposits paid or contracted to be paid because of unexpected cancellation of the wedding.

3- Honeymoon cancellation: Will reimburse if Insured suffers a loss of pre-paid, non-refundable cost of travel due to the cancellation of the actual wedding.

4 - Loss deposit: Will pay for non-refundable deposits made to providers of any booked goods or services if they suffer financial failure.

5 - Wedding photos and video: Payment of the extra expenses necessary to retake the photos if they cannot be reproduced for any reason including non appearance of the photographer. 

6 - Bridal attire: Coverage for physical loss or damage to the bridal attire once the property is in the care of the Insured. 

7 - Wedding presents: Insurance for direct physical loss or damage to wedding presents (24 hours prior and after the wedding) while property is at the couples home or reception location or in transit between the two. 

8 - Rings: Covers physical loss or damage to wedding bands. Coverage starts 7 days prior to wedding.

9 - Wedding Cake and Flowers: Direct physical damage or loss to the wedding cake or flowers seven days prior to the wedding.

10 - Wedding Stationary: Physical damage or loss to the wedding stationary prior to the wedding. Includes invitations, RSVP cards, menus and name cards.

11- Rented Property: Reimbursement of direct and physical damage to rented property used during the wedding reception. It includes, but is not limited to, temporary outdoor shelters, such as tents or marquees, tables and chairs, stages, audio and visual equipment.

WorldWide Coverage Available *some restrictions apply*


"To be eligible for the Destination Wedding Coverage, the legally binding


ceremony MUST take place at the destination location".


4 packages to choose from, please review the application for full details and pricing.

  • Silver Package: From $200.00 + policy fee + tax (if applicable)
  • Gold Package: From $350.00 + policy fee + tax (if applicable)
  • Diamond Package: From $600.00 + policy fee + tax (if applicable)
  • Platinum Package: From $900.00 + policy fee + tax (if applicable)


Print Application


 Contact information

For additional information on this program please contact:

Kathleen Greeley-Hamilton at 1-800-265-8098 ext: 221

e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.