I have purchased both. The reason being, I wanted to ensure that everything that I purchase related to the wedding is covered, to include the resort, photographers, DJ, etc. I don't want to lose any of the deposits or purchases paid in full in the event of any emergency. I purchased travel insurance because that will cover the flights and the actual stay at the resort. I am pretty certain that travel insurance does not cover the wedding at the resort, that is an extra item. I am a very type A person with a plan A, plan B, plan C, etc. for all things so I like to be covered. My wedding insurance is through the Travelers Insurance company and the trip insurance is through Alliance (I think). Anyway, hope this helps, but feel free to ask any other questions. -Kisha