How Repatriation of Remains coverage works in a travel insurance policy
During a trip, preparing for death and planning for a funeral should be the last thoughts on anyone’s mind. However, everyone has to think about the possibility of medical emergencies and unexpected bills. A comprehensive travel insurance policy with emergency evacuation coverage usually includes repatriation of remains to cover the transport of a deceased insured’s body back home to the United States. This coverage is beneficial to those who want a comprehensive approach to insuring their trip. If they were to pass away during their trip, the costs to bring their body back to the United States could be very expensive and an unexpected expense for loved ones back home.
After an unexpected death, the insurance company generally covers just about every step of the process that comes afterwards, with the goal of transporting the body back home. First, the insurer helps the policyholder to arrange for and pays for the transport of a deceased body to the appropriate medical facility. Assistance is then provided to complete the autopsy or medical exam along with police interviews if there’s an investigation.
A repatriation of remains policy covers the coffin and the fees to fly the body out of the country and back home to the United States. To make sure that the process runs smoothly, the travel insurance company will typically speak directly to local airport and government officials. At any point, there could be a problem with the transportation, which only adds up the expenses. A single delay could leave the deceased body and his or her family members stranded for weeks in a foreign country.
Once the plane hits the ground, the body is moved again by hearse to its final destination. Completing medical exams, traveling thousands of miles by plane and traveling by car could add up to tens of thousands of dollars or more in travel expenses. No insurance provider can make an accurate estimate of the total costs. The currencies and costs for medical and transportation services are different in every country.
Most travel insurance providers know that the expenses to transport remains are very high. They typically provide a minimum coverage of $10,000 (with some offering hundreds of thousands of dollars in coverage) and more.
The death of a family member or friend traveling with you will ruin any international trip. The worst reality sets in when there is not enough money to cover the unexpected medical bills and transport costs back home. A good comprehensive travel insurance plan will include a provision for the repatriation of remains within the emergency evacuation coverage. All travelers traveling abroad should consider the benefits of having this policy for the next time they travel.