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Travel Insurance for Death Overseas

Don't make your family pay to bring your body home

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For information relating to policies purchased prior to 14 July 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 14 July 2021 please see below.

Our travel insurance offers coverage for the absolute 'worst case scenario' event that can happen to a traveler, their family or traveling companion.

This is the information you and us both hope you’ll never need to use. So, here’s what you need to know to help you or your family get through this difficult time as quickly and easily as possible.

What will travel insurance cover if a death occurs overseas?

If you die because of an accident or sudden illness, depending on your policy we will help pay for:

Cost of the return of your remains to your home country.
Local cremation and return of your ashes home in an urn, or return of your remains home for burial in your home country.
Any statutory arrangements (such as embalming and a zinc coffin). The policy wording doesn’t detail such costs.
Reasonable additional expenses for someone to return with your remains.

Most importantly our 24/7 Emergency Assistance team will be able to keep your family informed and help them navigate the difficult administration required in getting your body back from a foreign country.

Our cover for Coronavirus-related events might assist

We understand many of our global travelers young and old are concerned about the impact Coronavirus (COVID-19) might have on their travel plans and on their health while traveling. With this in mind we’ve introduced some coverage for Coronavirus-related events on both our Standard and Explorer Plans.

The coverage offered will help travelers make decisions about booking travel now and into the future. Depending on your Country of Residence and if you buy the Standard and Explorer Plan, we may cover overseas medical expenses which include:

Hospitalization.
Prescribed medication.
Doctor’s visits.
Repatriation back home if deemed medically necessary.
If the worst happens, repatriation of your remains or local cremation or funeral overseas and, when necessary, costs for your next of kin to travel with your remains.

As our plans vary, check carefully the level of cover you think you might need, and purchase the right level of cover for you and your travel plans.

Please note that you need to contact our Emergency Assistance team before making any plans, regardless of whether you’re already receiving treatment and what your treating doctor says. The team can guide you to local medical facilities, help set up direct payments so you’re not out of pocket, and help you navigate local customs. Their network has a global reach, so wherever you are, they can help guide you to local best local medical facilities, help set up direct payments so you’re not out of pocket, and help you navigate local customs. Their network has a global reach, so wherever you are, they can help.

Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.

What isn’t covered?

You will not be covered if you:

Take your own life through suicide.
Die from being under the influence drugs or alcohol.
Have a pre-existing medical condition that results in death (unless otherwise stated in the policy).
If you die of having engaged in any illegal activities.

We won’t cover any costs within your home country once your remains are returned to your next of kin.

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

How your family or friend can get assistance if you die overseas.

It’s essential that your family or travel buddy get in contact with our emergency assistance teams as soon as possible, so that our teams can support them from the time you die until your remains have returned home.

To help our Emergency Assistance teams assist them quickly, they'll need the following:

Your policy number
Your location
As many details as possible about the circumstances surrounding your death

So, leave a copy of your policy with your family or friend, just in case they need to use it.

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19 related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet.

Standard plan:
$5,000,000

Explorer plan:
Unlimited

Medical transport & repatriation home

If you become seriously sick or injured during your trip (and it's not considered a 'pre-existing medical condition' as defined in the policy wording) we may be able to help with cover for medical transport to the nearest or most appropriate medical facility, or back home to recover.

Standard plan:
$500,000

Explorer plan:
$500,000

Funeral expenses or repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral overseas, or if available, bringing you back to your home country.

Standard plan:
$15,000

Explorer plan:
$15,000

Coronavirus Travel Costs section (cancellation and curtailment pre and on-trip)

Had to cancel your trip because you, a travel companion, or your close relative back home have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.