Since Tom is in the military ... and we never know if he could get called back up ... we are getting Wedding Insurance, which was recommended by our financial advisor as necessary and worth every penny. I agree. If anything happened, we would be out deposits for the resort, photographer, airfare, etc ... not to mention our guests would be out their deposit money too. With the wedding insurance, our guests deposits are covered too. $450 for $45,000 coverage.
Guests can still get travel insurance if they want in case something happens and THEIR plans change.
Some recent articles below on Wedding Insurance. It makes sense for us to spend that small amount of extra money to cover ourselves and the guests that are spending their hard-earned money in order to be with us.
I've also spoken with our insurance agent. The company doesn't yet offer wedding insurance, but recommended Wedding Cancellation and Liability Insurance online provided by WedSafe and highly recommended that we get it.
Anyway, I know I digressed from the Travel Insurance topic, bought thought this might be of help as well.
Wedding insurance: Calamities, cold feet - Consumer News - MSNBC.com
Consider insurance before I dos
Your Money: Wedding insurance can cover all sorts of things - USATODAY.com