The Unusual Insurance Policies You Have Never Heard Of

Have you ever heard of insurance policies that cover your pet’s funeral expenses? Or how about a policy that reimburses you for the cost of a new outfit if you are stood up on a first date? These are just a few of the unusual insurance policies that exist today.

Unconventional in nature, these policies provide coverage for certain circumstances that may not be adequately covered by typical policies. From pet insurance to zombie apocalypse policies, there is an insurance plan to suit a variety of needs and interests. Whether you are looking for an extra layer of protection or just want to be prepared for the unexpected, there is a unique insurance policy for you.

Unusual Insurance Policies

1) Pet Insurance

If your pet has a medical condition that requires ongoing treatments, pet insurance can protect you from the high cost of treatments and provide coverage if you lose your pet. Many pet insurance policies can also cover the cost of lost or stolen pets and provide coverage for elective procedures like spaying or neutering.

Pet Insurance

Pet insurance may also cover your other household pets if they are injured or become ill. Make sure to check the specific policy details before purchasing pet insurance to make sure it covers the needs you want to insure.

2) Wedding Insurance

Wedding insurance provides a cash reimbursement if a wedding-related event or guest is unable to attend. Wedding cancellation insurance protects you against costs associated with the cancellation of a wedding due to unforeseen circumstances. Many wedding insurance policies also include wedding cancellation coverage.

Wedding Insurance

Wedding expense insurance protects you against the cost of replacing items that are damaged or lost during the wedding and reception. If you purchase wedding insurance, make sure it covers the areas you need it to and also that you complete any required documentation accurately. If you make a mistake or lie on the application, your claim might be denied.

3) Zombie Apocalypse Insurance

Zombie apocalypse insurance is exactly what it sounds like – insurance that protects against a zombie apocalypse. This type of policy pays out if the zombie apocalypse actually happens. Your premium will be based on the likelihood that zombies will attack your city. If the zombies don’t show up, you won’t have to pay for the insurance.

Zombie Apocalypse Insurance

Zombie apocalypse insurance also covers a number of other doomsday scenarios, including a massive solar flare, terrorist attacks, and nuclear war. If you plan on going on the zombie-fighting adventure of a lifetime, make sure you buy your policy before you leave and read the fine print to make sure it covers the activity you are participating in.

4) Cyber Liability Insurance

Cyber liability insurance provides coverage in the event that your business is a victim of a cyber-attack and customers’ data is stolen or compromised. This type of policy provides coverage for expenses related to paying customers back for stolen data and fixing the problem.

Cyber Liability Insurance

If you work in an industry that deals with sensitive customer information, such as healthcare or finance, this policy can be an important layer of protection.

5) Identity Theft Insurance

Identity theft insurance is a type of insurance that provides coverage for expenses associated with repairing the damage caused by identity theft. Depending on the policy, identity theft insurance can pay for expenses related to credit monitoring, legal and court costs, lost wages, and more.

Unusual Insurance Policies
Identity Theft Insurance image credit

Make sure to check the specific policy details to find out what it covers and whether it provides a cash payment or a reimbursement for certain expenses.

Also Read- The Complete Guide To Travel Insurance


The unusual insurance policies listed above are just a sampling of the many different types of insurance policies that exist. From pet insurance to zombie apocalypse insurance, you can find a policy to cover almost anything. Insurance policies can protect you from the unexpected, and even provide coverage for certain events you may never experience yourself. Keep these unusual insurance policies in mind if you are looking to add an extra layer of protection or want to be prepared for the unexpected.