Seguro de decesos removes the financial and administrative burden from your family at the most difficult moment — with cross-border repatriation cover for foreign residents living in Spain.
Get Your Quote Speak to Our TeamSeguro de decesos is one of the most widely held insurance products in Spain — around one in four Spaniards has a policy. It pays for funeral services, burial or cremation, mortuary care, and all the paperwork that must be completed when someone passes away. For expats, it is even more important than for Spanish nationals.
When a foreign resident dies in Spain, the bureaucracy is significant. The certificado de defunción must be issued, the death registered at the registro civil, the body released by the mortuary, and — in most cases — repatriated to the home country. Without a policy, families often face repatriation costs of €6,000 to €12,000 alone, on top of mortuary fees and translations.
At 247 Expat Insurance, we arrange seguro de decesos for foreign residents across Spain — making sure repatriation is explicitly named in the policy and that everything can be handled in English when the moment comes.
A well-structured seguro de decesos for an expat should include a full set of services from the moment of death through to the final ceremony — whether that takes place in Spain or in your home country.
The policy pays for the entire funeral, including the ataúd (coffin), mortuary care, preparation of the body, transport within Spain, ceremony space, flowers, and the services of the funeral director. There is no out-of-pocket cost to the family.
You choose between cremation (incineración) or burial (sepultura) and the policy covers both options to the same value. You can change your preference during your lifetime, and it can be recorded in writing alongside the policy.
The single most important benefit for expats. The policy arranges and pays for the international transport of your remains back to the UK, Ireland, EU country, US, Canada, Australia, or worldwide — including consular paperwork and translated certificates.
The certificado de defunción, registration at the registro civil, mortuary release authorisations, transport permits, and consular documentation are all handled by the insurer's network — not left to your grieving family to navigate in Spanish.
Many policies include travel and accommodation benefits for close family members to attend the funeral — particularly useful when relatives need to fly into Spain or to the home country at short notice.
You can arrange for a memorial service in Spain, in your home country, or both. The policy covers the costs of either choice, and a bilingual or English-language ceremony can be arranged where preferred.
Seguro de decesos is particularly important for expats because of the cross-border complications that arise when someone dies away from their home country. You should consider it if any of the following apply.
These are the most frequent and costly assumptions we see foreign residents make. Most are easy to avoid if the policy is set up correctly from the start.
We arrange seguro de decesos for foreign residents across Spain with the dignity, clarity, and care this kind of cover deserves. We take time to explain the options properly and make sure the policy genuinely reflects your wishes.
We only recommend policies where international repatriation is named explicitly in the cover schedule — not assumed, not buried in small print.
Every conversation, document explanation, and family notification card is available in English, so nothing is lost at a moment when clarity matters most.
This is end-of-life cover. We take the time you need, answer questions properly, and never pressure you into a decision on something this personal.
We are a fully registered insurance intermediary in Spain, regulated by the Dirección General de Seguros y Fondos de Pensiones (DGSFP).
We provide a bilingual emergency card for your family with the insurer's 24-hour number and policy reference — so the right call gets made immediately.
We are here every day of the week to take your initial enquiry, review existing cover, or support family members navigating a claim.
As a specialist expat insurance agent, we cover all the main insurance needs you may have in Spain — not just one product.
We are a specialist expat insurance team covering all the main insurance needs of foreign residents across Spain.
Our English-speaking team helps expats arrange seguro de decesos in Spain — including UK repatriation cover. There is no pressure and every conversation is private. Tell us a little about your situation and we will help you find a suitable policy.
