Suppose Alfred P. Doolittle not only didn't get to the church on time on the morning of his nuptials, but missed the event entirely. The bride's family would probably have to eat not only the uncut wedding cake, but the enormous catering bills as well. That is–of course–unless Mr. Doolittle's no-show was caused by an appendicitis burst, the sudden cancellation of his military leave, or a hurricane.

While developments out of a wedding participant's control might get coverage from niche players in the special event market, faint hearts and cold feet are unfortunately not covered under most traditional wedding cancellation policies, market participants point out.

Indeed, Markel Insurance, which writes a variety of special event coverages–including a "WedSafe" policy–notes that factors within the wedding participants' control, including change of heart, are not covered. That is the fact for virtually all such policies, according to the WeddingChannel.com Web site. Thus, runaway brides shouldn't bother filing a claim.

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