Repatriation of Remains Coverage FAQ

Having a loved one pass away is always a trying time. The stress can be compounded if they pass away while traveling outside their home country. Insubuy is here for you, as many of our plans offer coverage for repatriation of remains. This coverage provides transportation of the deceased’s remains back to their home country. Some plans may also cover local cremation or burial. 

Please read the below FAQ to help clarify you on certain questions you may have regarding this benefit. 

It’s customary in my culture to cremate remains within a few hours of death. Are we allowed to plan for this and file for reimbursement with the insurance company at a later date?

Unfortunately this is not possible. Insurance companies only provide the repatriation of remains benefit when all arrangements are made and approved by them. 

The remains of my loved one have already been cremated. Can the insurance company pay for their transport to their home country?

Yes, this should be possible. You will just want to ensure that any arrangements meet all terms and conditions of the insurance company for this benefit. 

I would like to accompany my loved one’s remains home. Will the insurance company pay for my airline ticket?

Unfortunately they will not. Benefits are only available for the deceased, as they were the one insured under the policy. Therefore, you would be responsible for paying for your own travel arrangements. 

In my culture we have a tradition of disbursing a loved one’s ashes in a particular place. Will the insurance company pay for me to travel there and do this?

They will not. Once again, this is due to the fact that the deceased was the only person covered by the policy. Any additional travel arrangements you would like to make would be at your own expense.

Rather than transport the remains to their home country, can the insurance company pay for me to fly to the location of the remains and have the funeral there?

Sadly, this is not possible. As the deceased was the only one covered by the plan, they are the only recipient of benefits. You would therefore be responsible for your own travel arrangements. 

Please contact us if you have any additional questions about the repatriation of remains benefit. 

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