Funeral insurance in Spain for expats
Licensed Broker
DGSFP Registered
Thinking about funeral costs is never easy, but planning ahead can remove a huge emotional and financial burden from your family. We help expats in Spain set up funeral insurance that covers arrangements in Spain or repatriation to your home country, with clear pricing and English-speaking guidance. You decide your wishes – we help make sure they're respected and affordable.
Example for a basic funeral plan. Price depends on age, cover level and destination.
Who is it for?
Expats, retirees, long-term residents and families in Spain who want to avoid leaving sudden funeral costs and complex decisions to their loved ones.
Activation time
Cover can typically start within days once the policy is issued. Some plans have waiting periods, especially for natural death – we explain this clearly upfront.
Documents needed
ID or passport, date of birth, residency details if available, and your preferred country for funeral or repatriation.
Languages available
We guide you in English and Spanish, and many partner insurers offer documentation and helplines in multiple languages.
Funeral insurance plans in Spain
Choose the option that matches your wishes and protects your family
Local Funeral – Essential
BEST FOR:
- • Expats who plan to have their funeral in Spain
- • People who want basic, respectful arrangements without financial stress for family
NOT RECOMMENDED FOR:
- • Those who prefer repatriation to another country
- • Families expecting more extensive ceremony costs included
Local Funeral – Enhanced
BEST FOR:
- • Expats who will stay in Spain and want more complete local arrangements
- • Families who want more flexibility in ceremony details
NOT RECOMMENDED FOR:
- • Those who strongly prefer repatriation to their home country
- • Very tight budgets focused only on essential services
Repatriation & Full Funeral – Premium
BEST FOR:
- • Expats who wish to be buried or have their ashes returned to their home country
- • Families living across different countries who need coordination support
NOT RECOMMENDED FOR:
- • Those who know they will stay and have a funeral only in Spain
- • People who want only minimal, local arrangements
How it works
Getting funeral insurance in Spain is straightforward with our expert guidance
Share your wishes and situation
We start with a calm conversation about your preferences: funeral in Spain or repatriation, religious or non-religious, and your family's situation.
We compare funeral insurance options
We review plans from several insurers in Spain and filter out the options that match your wishes and budget, without pushing unnecessary extras.
Agree on a plan in clear English
We explain exactly what is covered, what isn't, waiting periods and any limits, so you and your family know what to expect.
Your family is supported when the time comes
If something happens, your family contacts the emergency number or our team. The insurer and funeral provider coordinate arrangements according to the policy, so your loved ones can focus on saying goodbye, not on logistics and bills.
What funeral insurance covers
Understanding what is and isn't covered helps you and your family plan with confidence.
Included
- Organisation of funeral in Spain according to plan
- Basic or enhanced coffin / urn within plan limits
- Transport of the deceased within Spain
- Use of funeral home facilities and basic ceremony services
- Administrative paperwork (death certificate, permits, registry)
- Preparation and care of the deceased
- 24/7 phone assistance for family at time of death
- In premium plans: repatriation to agreed home country
Optional add-ons
- International repatriation to specific countries
- Additional ceremony options (larger gatherings, longer services)
- Extended choice of coffin, urn and memorial items
- Coverage for certain religious or cultural requirements
- Contributions towards flowers, obituary notices or memorial events
- Some help with travel arrangements for close family (information, support)
- Higher caps for total funeral and repatriation costs
Not covered
- Services not agreed in the policy (e.g. very elaborate ceremonies outside limits)
- Extra costs beyond stated maximum cover amounts
- Death due to excluded causes (e.g. certain high-risk activities, if specified)
- Travel costs, hotels or flights for relatives (unless explicitly included)
- Existing funeral plans or services already paid elsewhere
- Costs in countries not covered or excluded due to war or sanctions
Why plan ahead with us?
We help you make thoughtful decisions about funeral cover in Spain
We help your family avoid sudden, high costs
Funeral and repatriation costs can come as a shock, especially in another country. We help you plan ahead so your family isn't left with big invoices and difficult choices.
Clear explanations, sensitive approach
We speak openly but gently about what is and isn't covered. You get all the facts in plain English, without pressure or scare tactics.
Options for both Spain and your home country
Some expats want a final resting place in Spain, others back in their country of origin. We help you set up cover that matches your personal wishes.
Experience with expats and cross-border cases
We're used to dealing with cases where family is spread across different countries and systems. We know which insurers handle repatriation smoothly in real life.
Simple process for your loved ones
When the time comes, your family has one number to call. The insurer and funeral provider handle logistics, paperwork and coordination according to your policy.
Independent advice across several insurers
We're not tied to a single provider. We compare multiple insurers so you can choose a solution that feels right, both emotionally and financially.
Frequently asked questions
Related guides
Learn more about insurance in Spain
Funeral Insurance in Spain – What Happens When Someone Dies
Complete guide to the Spanish funeral system, seguro de decesos, and repatriation options for expats
Life Insurance in Spain for Expats – 2026 Guide
Understand the difference between funeral insurance and life insurance for financial protection
Insurance Broker in Spain – How We Help Expats
Why working with a licensed broker makes insurance easier for expats in Spain
Senior & Retiree Insurance Spain – 2026 Guide for Over-65s
Complete insurance guide for retirees: health insurance age limits, home, funeral, life and legal cover.
Based on 850+ reviews from expats across Spain
I wanted to make things easier for my children, who live in different countries. They helped me set up a funeral plan with repatriation to my home country, explained in simple English.
Annika R.
Alicante
We decided to have our funerals in Spain, but we didn't know how the system worked. We received calm, respectful advice and now have a plan that fits both our wishes and our budget.
James & Maria
Madrid
It's not a fun topic, but it feels good to know everything is organised. My family won't have to worry about making calls in Spanish or dealing with big bills.
Peter H.
Málaga