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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 17 June 2021, 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 17 June 2021 please see below.

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

Travel Insurance cover, if you die overseas, can help bring your remains home without bankrupting your relatives or further traumatising them in what is already a very difficult time.

What’s covered by my Travel Insurance if I die while overseas?

If you die due to a sudden illness or injury while overseas we will pay for the reasonable cost (up to the benefit limit) for the following:

Transport of your remains back to the United Kingdom or for local funeral expenses (cremation or burial).
Any statutory arrangements required to transport your remains or for a local funeral (such as embalming and a zinc coffin).
Cremation overseas and transport of your ashes to the United Kingdom.
We also provide repatriation of remains for travellers who die from Coronavirus while travelling on all our plans, although benefit limits apply.

Most importantly, our 24 hour Emergency Assistance Team will be able to keep your family informed and help them navigate the often difficult local regulations and administration required after your death.

This may include putting them in touch with consular officials, navigating and understanding local processes and helping access the services you need locally to transport your body back home.

What’s not covered by travel insurance?

There are exclusions and conditions that apply to travel insurance cover, including, but not limited to:

Loss of life through suicide.
Dying from drugs or alcohol.
Having a pre-existing medical condition, as explained in the Policy Wording.
Doing anything illegal that results in your death.
Any costs within the UK once your remains are returned to your next of kin.

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 team as soon as reasonably 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.

How we help

Overseas deaths are the most heartbreaking cases to help with. No one is ready to deal with the sudden death of a close relative overseas, let alone having to deal with the complex requirements and unexpected high costs. The Emergency Assistance team can coordinate a local burial or bring home loved ones with trusted partners on the ground and ensure that families and friends are supported throughout such a difficult time.

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 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 and repatriation home

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, as well as emergency transport to the nearest or most appropriate medical facility or back home to the UK to recover.

Standard plan:
£5,000,000

Explorer plan:
£10,000,000

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, or if available, bringing you back to your home country.

Standard plan:
£5,000

Explorer plan:
£5,000

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

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