Return of Mortal Remains Insurance
Repatriation of remains coverage is a significant benefit in a travel insurance plan and is often required. Many individuals may not fully understand what the term ‘repatriation of remains’ means, as it is not a term commonly used in everyday conversation.
What exactly does repatriation of remains mean to someone shopping for an international health insurance plan, and why is it important?
Although no one likes to think of the worst possible scenario when planning a trip, it is often necessary to be prepared for it. In the event of an accident or even death, medical bills and other expenses should be the least of the individual’s worries.
What is Repatriation of Remains Coverage?
Repatriation of remains is a benefit that provides coverage for the transportation of the covered individual’s bodily remains back to their area of principal residence, in the event of a covered illness or injury that results in death.
Typically, repatriation benefits also include the following:
- Coordinating with local authorities on the post-mortem exam
- Removal and transportation of the body to medical facilities, the coroner, and the airport
- A coffin or an appropriate container for the transport of remains
- Coordination with government agents to arrange for services, authorizations, and approvals for transport
- Air and ground shipping expenses
What Does Repatriation of Remains Cost?
The research will reveal that costs vary dramatically from country to country, depending on each country’s unique circumstances. The process is much easier in major cities, but more difficult and often costly if death occurs in a remote location.
You can expect costs to range between $10,000 and $20,000, with the understanding that the actual cost may be higher. Most insurance plans will cover $1,000 or more. Please verify the amount in your policy if it is a concern.
Although we do not sell Repatriation of Remains Insurance as a stand-alone product, you can purchase it as part of a more comprehensive travel medical plan.
Single Trip Platinum Travel Insurance
- For U.S. citizens and residents up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
Patriot Platinum Travel Insurance
- Maximum limits up to $8,000,000
- IMG pays 100% of medical expenses in-network
- Evacuation due to Natural Disasters & Political Unrest
Why Buy Repatriation Insurance?
- Repatriation is Expensive: As discussed above, the costs can be high and are incurred at a time when it is least convenient.
- Coordination of Services: Having an insurance plan that includes repatriation means that the insurer will help coordinate all aspects of the process. The insurance company not only works with all parties involved but also usually has a case manager with expertise in logistics to ensure everything goes smoothly.
- Consideration of Family: There is nothing more heartbreaking than the loss of a loved one. This is not a time for those same individuals to be left with the challenge and expense of returning a body home for services. Planning is the best way to prevent this scenario.
Note: Some plans will cover the costs of local burial or cremation, rather than repatriation, up to the amount disclosed at the time of purchase.
Individuals who require coverage for the repatriation of remains for an extended period may be interested in exploring an international health insurance plan.
The Best Travel Insurance with Repatriation Benefits
Single Trip Platinum Travel Insurance
- For U.S. citizens and residents up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
Patriot Platinum Travel Insurance
- Maximum limits up to $8,000,000
- IMG pays 100% of medical expenses in-network
- Evacuation due to Natural Disasters & Political Unrest
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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