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Introduction to Wedding Insurance and Pre-Existing Conditions
Wedding insurance is a must-have to protect your special day from unforeseen circumstances – it’s essential to understand what’s covered and what’s not, including pre-existing conditions.
However, for some getting married, or their relatives, there is often a question about whether they can get cover for pre-existing medical conditions. Some insurers will decline. At Emerald we cannot promise to cover everything, but there are options if your condition is stable.
You must also be honest, as with any insurance policy. A pre-existing condition can affect your wedding insurance policy, so it’s crucial to disclose any health issues before purchasing a policy.
Health insurance considerations are also vital, as they can impact your wedding insurance coverage.
Award-winning Emerald wedding insurance providers will try to offer comprehensive coverage and excellent customer service.
Why Emerald?
Emerald has been providing wedding insurance now for well over a decade. With knowledgable staff, you can get a quote in minutes, covering up to £100,000 of your wedding budget. We always recommend that you read the reviews of Emerald to see what others think of us!
You can learn more and get an instant quote HERE – or email us on customerservice@emeraldlife.co.uk, or call us on 0330 113 7109. We aim to please!
Understanding Pre-Existing Conditions
A pre-existing medical condition is an illness or injury that exists before your insurance policy starts – examples include diabetes, asthma, and chronic conditions.Pre-existing conditions can impact your health insurance and wedding insurance coverage, so it’s essential to understand the terms and conditions of your policy.
Insurers do not ask for (and cannot take) full medical screening to assess the risk of pre-existing conditions and determine the premium. The premium is fixed but you need to answer questions about your health. Even if we cannot cover you for your condition, the rest of the insurance remains in effect for other things that can do wrong.
Health Insurance Considerations
Cover for any health conditions is a critical aspect of wedding planning, as it can impact your wedding insurance coverage and overall well-being.
Pre-existing medical conditions can affect your insurance policy, so it’s essential to answer the medical questions honestly before purchasing a policy. Understanding your wedding insurance policy is vital to ensure you have adequate coverage for your big day. Emerald can help you understand what you need to do about your pre-existing condition.
Unlike Travel Insurance, There Is No Full Medical Underwriting
if you have a pre existing condition, the process is different from travel insurance, where your insurance company will ask for details of pre-existing medical conditions and price the premium accordingly.
Wedding cover is a simpler type of policy – there are questions when you apply, but they do not ask for more detail on any medical history, either for the marrying couple or a close relative. Rather, the marrying couple simply certify that there is nothing that they are aware of (for the marrying couple or close relative) that might mean that the wedding has to be cancelled. So if you have a stable pre-existing condition, then you may feel able to answer that question that you are NOT aware of any such thing. There is no opportunity for you to call the insurer with details of conditions, symptoms, illness or other health concerns, as this is a self-certifying procedure.
Award Winning Wedding Insurance
Emerald’s award-winning wedding insurance provides comprehensive coverage and excellent customer service.
Wedding insurance can provide peace of mind and financial protection for your special day.
We offer flexible cover levels and options to suit different wedding needs, and you pay once only so that you know the cost of your cover from the date you buy. Just fill in the online form if you decide to go ahead and you are covered.
We can cover a wide range of budgets and provide exceptional customer care. If you would like to discuss anything with us, call 0330 113 7109 and speak to a real person who will be able to understand your position in more details and be able to help.
Personal Liability Coverage
Personal liability coverage is essential to protect you and your partner – and the wedding party – from unforeseen circumstances.
Public liability coverage can provide protection for accidents or injuries to guests or vendors.
Personal liability coverage can be included in your wedding insurance policy to provide comprehensive coverage and you can increase the levels as you see fit up to £5m
Chronic Conditions and Wedding Insurance
Chronic conditions, such as diabetes or asthma, can impact your wedding insurance coverage.
You will be asked certain questions when you apply for wedding cover – in relation to terminal conditions, whether any medical symptoms are still being investigated, and whether you are aware of any reason why the wedding might not go ahead. This is a broader question but in practice this is where you need to consider if any pre existing condition might affect the wedding day or if it now long-term stable.
It’s essential to understand the questions asked about any chronic conditions before purchasing a wedding insurance policy.
Policy Documents and Details
Policy documents and details are essential to understand what’s covered and what’s not. Often the obvious is covered – venue, wedding cake, wedding rings, wedding flowers etc but also much more. Emerald also provides a useful summary with every quote.
Insurers provide policy documents and details to help you make informed decisions about your wedding insurance coverage.
Policy documents and details can include information about cover levels, exclusions, restrictions, and claims processes.
It’s essential to read and understand your policy documents and details before purchasing a wedding insurance policy.
Cover Levels and Options
Cover levels and options vary depending on the insurer and policy. Emerald offers up to £100,000 of cover, with flexible cover levels and options to suit different wedding needs and budgets.
Cover levels and options can include ceremony, reception, and honeymoon coverage.
It’s essential to choose a cover level and option that suits your wedding needs and budget. The cover can be extended at a later date
Benefits of Wedding Insurance
Wedding insurance can provide peace of mind and financial protection for your special day. It can cover a wide range of unforeseen circumstances, including cancellations, postponements, and accidents and can also provide protection for your wedding cake, attire, and rings.
Insurers offer various benefits and features to make your wedding insurance policy more comprehensive. See what Emerald has to offer.
Choosing the Right Insurer…
Choosing the right insurer is essential to ensure you have adequate coverage for your big day. Insurers offer various wedding insurance options and features to suit different wedding needs and budgets.
It’s essential to research and compare different insurers to find the best option for you, although we know who we would recommend…
…Choosing Emerald
Emerald has been a well-known wedding insurance provider for over a decade. Our trained call centre staff are always on point and able to help, and you can get a quote from them or online.
Don’t delay. You can learn more and get an instant quote HERE – or email us on customerservice@emeraldlife.co.uk, or call us on 0330 113 7109. We aim to please!