Skip to Content

What is the change of heart policy?

On the most important day of your life, your wedding day, the last thing you want to worry about is a cancellation. Sometimes, unforeseeable events can occur that require us to cancel the plans we’ve made. To protect their investments, many couples take out insurance policies to help cover any financial losses in case their wedding gets canceled or postponed. One type of policy that’s gaining popularity is the “change of heart” policy. In this blog post, we’ll learn about what the change of heart policy is, what it covers, and how it works to protect you and your investment in the event of unforeseen circumstances.

What is the Change of Heart Policy?

The “change of heart” policy is a type of wedding insurance that compensates an innocent third-party financier if the wedding is canceled by the bride or groom 365 days or more from the date of the first covered event. This policy is put in place to protect vendors and third-party financiers such as wedding planners, vendors, photographers, venues, and caterers, each of whom could suffer significant losses in the unlikely event of a canceled wedding.

What Does the Change of Heart Policy Cover?

The “change of heart” policy covers costs that may be incurred by third-party financiers and vendors in the event of a wedding cancellation. Some of the items that may be included in this policy include:

  • Deposits and payments made by vendors, such as photographers, caterers, florists, and other third-party financiers.
  • Non-refundable expenses like plane tickets or lodging for guests.
  • Expenses related to rescheduling the wedding, such as changing reservation dates with the venue or vendors.

It’s important to note that the change of heart policy is only valid if the wedding is canceled by the bride or groom due to unforeseeable circumstances such as illness, a death in the family, or a military deployment. If the wedding is canceled due to a change of heart by either party, the policy will not cover any losses incurred by the third-party financiers or vendors.

How Does the Change of Heart Policy Work?

The change of heart policy is typically purchased by the bride or groom, and can often be added onto an existing wedding insurance policy. Once purchased, the policy will cover all financiers and vendors involved in the wedding and remains in effect for 365 days from the date of the first covered event.

If the wedding is canceled by the bride or groom due to unforeseeable circumstances as covered by the policy, the third-party financiers and vendors will receive compensation for their expenses up to the policy’s limits. The bride and groom will usually need to provide documentation of their reasons for canceling the wedding, such as a doctor’s note or proof of a military deployment, to receive compensation.


The change of heart policy is an important type of coverage to consider when planning your wedding. While it’s a scenario that no one hopes will happen, you’ll get peace of mind knowing that your financial investments are protected if unforeseen circumstances arise. Remember to read the policy thoroughly to understand what’s covered and what’s not, to fulfill all the necessary requirements, and to ask questions to your insurance agent or broker if you’re uncertain. With the right type of coverage, you can rest assured that your wedding day is protected.


Who underwrites John Lewis wedding insurance?

John Lewis Wedding Insurance is a product offered to those planning their special day to give them peace of mind during a period of often-high stress. In the event that anything unexpected occurs, wedding insurance can help cover some of the costs incurred. Underwriting a policy of this kind requires the involvement of an insurance company, and in the case of John Lewis Wedding Insurance, that company is Royal & Sun Alliance Insurance plc.

Royal & Sun Alliance Insurance plc is one of the largest and oldest insurance companies in the UK. The company traces its roots back to 1710 when the Sun Fire Office was established, and over time has grown through a series of mergers and acquisitions. Today, the company operates in over 140 countries and serves more than 17 million customers globally, making it one of the largest insurers in the world.

By underwriting John Lewis Wedding Insurance policies, Royal & Sun Alliance assumes a certain level of risk for the policies that it is involved with. In the event that a policyholder makes a claim, the insurance company will work with John Lewis to investigate the claim and, if necessary, provide financial reimbursement for the costs associated with it. The exact terms and conditions of the policies offered by John Lewis will vary and may be subject to exclusions or additional limits that are outlined in the policy documents.

John Lewis Wedding Insurance policies are underwritten by Royal & Sun Alliance Insurance plc. As one of the largest and oldest insurers in the UK, Royal & Sun Alliance is well equipped to handle the risks associated with underwriting a product of this kind, and policyholders can have confidence in the company’s ability to support them in the event that any unexpected issues arise.

Can health insurance drop you for pre existing conditions?

In the past, health insurers had the power to deny coverage to those with pre-existing conditions without any legal repercussions. This meant that individuals with chronic or serious medical conditions could be denied coverage by an insurance company, leaving them without options for quality medical care. Fortunately, the Affordable Care Act (ACA) has changed this and provided protections to those with pre-existing conditions.

The ACA includes the Pre-Existing Condition Insurance Plan (PCIP), which provides coverage to those who have been denied coverage due to a pre-existing condition. Additionally, the ACA mandates that all health insurance plans sold on the individual market are required to cover treatment for pre-existing conditions. Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

However, it is important to note that plans sold by employers are self-funded, which means they are not subject to the same requirements as individual market plans. While the ACA does provide some protections for those with pre-existing conditions, individuals with employer-sponsored insurance may still be at risk.

It is also worth noting that if you experience a gap in coverage – such as losing your job-based health insurance – and sign up for a new plan, there may be a waiting period for coverage of your pre-existing conditions. This waiting period, known as a “pre-existing condition exclusion period,” cannot exceed 12 months and only applies to conditions for which you received medical advice, diagnosis, care, or treatment during the six months before the effective date of your new coverage.

The ACA has made significant strides in protecting individuals with pre-existing conditions from being dropped by health insurance companies or being denied coverage. However, there are still some potential gaps in coverage, including for employer-sponsored plans and waiting periods for those who experience gaps in coverage.

Can you get your feet insured?

Yes, it is possible to insure your feet. In fact, there are many individuals and professions where their feet are vital to their line of work and their income, such as professional dancers, athletes, and models.

Just like any other body part, insuring your feet requires you to get in touch with an insurance company that specializes in body-part insurance. You can work with your insurance agent to identify any policies or options that may fit your needs, such as policies covering against accidents or permanent damage.

Once you have your policy in place, you will typically be required to have your feet medically evaluated to ensure that they are in good health. Additionally, you will have to provide information such as your profession, work hours, and any activities that you engage in daily or for work that may put your feet at a higher risk of being injured or damaged.

It is important to note that insuring your feet can be quite expensive depending on the value of your feet, your occupation, among other factors. For example, a professional dancer may have to pay more than a person who just wants to insure their feet out of personal interest. Additionally, some insurance policies may have restrictions and conditions that may limit your coverage, so it’s important to read the policy’s fine print before making a decision.

If your feet are essential to your profession or you just want to protect them from unexpected circumstances, insuring them is possible. Talk to your insurance agent to find out if there are any options that meet your needs and ensure that you consider the cost and the policy’s terms and conditions before making a final decision.