If an insured person dies while travelling abroad, their CoverForYou travel insurance may cover eligible funeral expenses abroad and the cost of returning their body or ashes home.
The expenses covered will depend on the circumstances of the death, the applicable policy wording and the terms and limits of the insurance.
Contact the relevant local authorities so the death can be formally recorded.
Contact our Emergency Medical Assistance Service as soon as possible.
Provide the insured person's policy number, location and details of what has happened.
Follow the assistance team's guidance before making funeral or repatriation arrangements.
Keep copies of all relevant documentation, invoices and receipts.
Telephone: +44 (0)330 123 2370
Emergency Medical Assistance and Claims Information
Under Section 2 – Medical Emergency and Repatriation Expenses, eligible costs may include:
Funeral expenses abroad: Costs of funeral arrangements in the country where the death occurred.
Repatriation of the body: The cost of returning the deceased person's body home.
Repatriation of ashes: The cost of returning the deceased person's ashes home.
The policy provides for funeral expenses abroad plus the applicable cost of returning the body or ashes home.
All expenses remain subject to the policy's terms, conditions and applicable benefit limits.
Please note: The funeral expenses benefit applies to expenses incurred abroad. Funeral costs incurred in the UK following repatriation are not included under this benefit.
If an insured person dies during an eligible trip within their home area, the policy may cover the reasonable additional cost of returning their body or ashes home.
This is different from the funeral expenses abroad benefit.
If an insured person's death means another traveller needs to cut their trip short, they may be able to claim eligible unused travel and accommodation expenses under the Cancellation or Curtailment section of their own policy.
This will depend on the circumstances, the relationship to the deceased person and the applicable policy conditions.
The claims team may request:
A copy of the death certificate.
Funeral or cremation invoices and receipts.
Repatriation invoices and supporting documentation.
Details of any other travel, household or other insurance that may cover the same expenses.
Further supporting evidence relevant to the claim.
You should keep copies of all documents and correspondence.
What Documents Do I Need for a Medical or Repatriation Claim?
For assistance following a death abroad, contact our Emergency Medical Assistance Service.
To register a travel insurance claim, you can:
Claim online: CoverForYou Online Claims
Telephone: 0330 123 3315 (Monday to Friday, 9:00am–5:00pm)
The claims team will assess the expenses against the policy wording and any supporting evidence.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
