Travel insurance for a honeymoon
A honeymoon needs emergency medical coverage for both travellers, since OHIP pays little or nothing out of country, plus trip cancellation and interruption to protect the large non-refundable deposits a honeymoon usually involves. Buy cancellation early so it is in force from the moment you book.
Key takeaways
- Both newlyweds need emergency medical coverage; OHIP does not cover either of you abroad.
- Honeymoons carry big deposits, so trip cancellation and interruption often pays for itself.
- Buy cancellation coverage early, ideally when you book, for the fullest protection.
- Declare adventurous honeymoon activities so they are covered.
- Match the plan to your destination's coverage region and your travel dates.
A honeymoon is usually the biggest, most carefully planned trip a couple takes, with the deposits to match. That makes it one of the clearest cases for proper travel insurance: you are protecting both your health abroad and a large amount of pre-paid money.
Why OHIP won’t cover your honeymoon
OHIP is Ontario’s in-province plan and does not follow you overseas in any practical way. Most out-of-country OHIP coverage ended in 2020, and OHIP never pays a foreign hospital up front. If either newlywed gets sick or hurt — food poisoning at a resort, a fall on an excursion — the hospital expects payment at the time. Emergency medical coverage, held by each of you, is what pays those eligible costs so a medical event doesn’t become a financial one.
Protect the money you’ve already paid
Honeymoons concentrate a lot of spending into non-refundable bookings: flights, a resort or villa, transfers, excursions, sometimes a multi-stop itinerary. Trip cancellation and interruption coverage can reimburse eligible pre-paid, non-refundable costs if a covered reason stops you travelling or cuts the trip short. The key is timing — buy cancellation coverage early, ideally when you book, so you are protected across the whole window between booking and departure, not just once you leave.
For couples who want the broadest flexibility, a Cancel For Any Reason option exists in the cancellation shelf; weigh its cost against how much flexibility you want. The standard trip interruption coverage handles covered events once you are already travelling.
Match coverage to how you’ll celebrate
Honeymoons often mean activities you wouldn’t do on an ordinary trip — diving, zip-lining, jet-skiing, hiking to a viewpoint. Standard emergency medical covers illness and injury, but genuinely adventurous activities may call for an optional sports and activities add-on. Declare your plans so your coverage matches the itinerary, and confirm before booking the excursion. Also check your destination falls inside the plan’s coverage region, whether that is a Caribbean resort, Europe or a long-haul trip.
Age, health and price
There is no age limit on these plans, and travellers under 60 answer no medical questions, which covers most newlyweds. If either of you is 60 or over, a medical questionnaire sets the premium, not eligibility. Your price typically depends on your ages, trip length, the coverage amount, destination and any health answers, plus the value of deposits if you add cancellation. A personalized quote is the only accurate figure.
One policy for both of you
A couples or family plan lets you cover both newlyweds on a single policy, which keeps the paperwork simple and ensures neither of you is left with a thin limit. Confirm each person’s emergency medical limit is high enough for a serious event abroad.
Start your marriage without a financial hangover
The best honeymoon coverage protects both of you for medical emergencies and guards the deposits you have worked hard to pay. Buy cancellation early, declare your activities, and size the plan to your dates and destination. Comparing your options with a quote is the quickest way to see your real price and relax into the trip.
Ready to get covered?
Get matched and covered in minutes — the same price, with real guidance behind it.
Purchase now →Frequently asked questions
Do we both need our own coverage?
Yes. Emergency medical coverage is per traveller, so each of you needs a high limit. OHIP does not meaningfully cover either of you out of country and never pays a foreign hospital up front. A couples or family plan lets you cover both of you together on one policy.
Is trip cancellation worth it for a honeymoon?
Often, yes. Honeymoons usually involve large non-refundable deposits for flights, resorts and excursions. Trip cancellation and interruption coverage can reimburse eligible pre-paid costs if a covered reason forces you to cancel or cut the trip short. Buy it early so it covers the period between booking and departure.
We're doing a scuba or adventure honeymoon. Are we covered?
Standard emergency medical covers illness and injury, but genuinely adventurous activities may need an optional sports and activities add-on. Declare what you plan to do so your coverage matches the itinerary, and confirm before you book the excursion rather than after.
TripCovered is a licensed insurance referral service operating in Ontario. Insurance is administered by North American Air Travel Insurance Agents Ltd., doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. Coverage is subject to the terms, conditions, limitations and exclusions of the policy. This website provides general information only and is not a contract of insurance. Always read your policy wording before you travel.