I wanted to make things easier for my children living in different countries. They helped me set up a funeral plan with repatriation, explained in simple English.
Repatriation includedExcess refunded5 languages
Funeral insurance in Spain for expats
Funeral insurance through Caser, one of Spain's longest-established insurers with 75+ years in the market. Pre-arrange either a Spanish funeral or repatriation to your home country, paid through your policy — spares your family a wrenching decision and an unexpected €5,000–€15,000 bill. Excess refunded to beneficiaries (rare in this market). Payable annually, half-yearly, quarterly or monthly with no surcharges.
From From €100 /yearTypical starting price for a young adult enrolment (€8–€15/month direct debit). Premium rises progressively with age until 76, then only inflation adjustments. Younger applicants lock in substantially lower lifetime cost.
4.8/5
15,000+ expats helpedEN • ES • DE • FI • SVFrom
From €100/year
Typical starting price for a young adult enrolment (€8–€15/month direct debit). Premium rises progressively with age until 76, then only inflation adjustments. Younger applicants lock in substantially lower lifetime cost.
Licensed Agent
DGSFP #C0031B93323293
Funeral insurance at a glance
Who is it for?
Expats and long-term residents in Spain who want to spare their family a wrenching choice between a Spanish funeral and repatriation, and an unexpected €5,000–€15,000+ bill.
Two paths, one policy
Choose in advance: a full Spanish funeral service or repatriation to your country of origin. Or leave the choice to your beneficiaries.
Excess refund
If the actual cost is less than the insured sum, the unused amount is refunded to your beneficiaries — most insurers pocket the difference; Caser doesn't.
Languages & support
Service available in five languages, with over-the-phone legal guidance and family transfer assistance for relatives travelling in.
Compare funeral insurance plans
Choose the level that fits your wishes and budget
Tier 01
Caser Expat Funeral (Spanish funeral path)
From €100/year
- Coffin, hearse, shroud, fresh wreath, obituary
- Religious or civil service of choice
- Burial (interment) or cremation
- Marble or granite headstone
- Cemetery service and administrative paperwork
- Special mortuary services for children (Spain only)
- Over-the-phone legal guidance for the family
- Family transfer assistance (companion ticket + accommodation)
- Excess refund to beneficiaries if cost < insured sum
- International repatriation
Best for
Long-term residents who consider Spain home · Mixed-nationality families with most ties in Spain
Not recommended for
Pensioners spending only part of the year in Spain · Those who want to be laid to rest in their country of origin
Most Popular
Tier 02
Caser Expat Funeral (Repatriation path)
From €180/year
- Body repatriation to country of origin
- All transport, documentation and consular formalities
- Coordination with funeral provider abroad
- Over-the-phone legal guidance for the family
- Family transfer assistance (companion ticket + accommodation)
- Excess refund to beneficiaries if cost < insured sum
- Choice can be left to beneficiaries at the time
- Full Spanish funeral package
Best for
Pensioners and seasonal residents who consider home elsewhere · Families spread across multiple countries
Not recommended for
Those firmly settled in Spain who prefer a local service · Those wanting only minimal local arrangements
What drives the premium for Caser Expat Funeral
Premium reflects two main inputs: your age at enrolment, and the insured sum you choose. After age 76 the premium is frozen at inflation-only adjustments — it never re-rates again.
Price drivers
- Age at enrolment: Premium rises progressively with age until 76 — younger applicants pay substantially less for the same end cover
- Frozen at 76: After age 76, premium only rises with CPI (inflation); never re-rated based on health or age beyond that
- Insured sum: Higher insured sum (e.g. for international repatriation to a distant country) means higher premium — and a higher possible excess refund
- Payment frequency: Annual, half-yearly, quarterly or monthly — annual typically cheapest overall
When pricing is most attractive
Enrolling in your 40s or 50s: Lowest lifetime cost — premium ramp is gentle for years
Enrolling in your 60s: Still strong value, especially given pricing freezes at 76
Enrolling in your 70s: Higher start but freezes at CPI-only after 76 — get a quote
Choosing repatriation cover: Higher insured sum for distant countries; remember unused portion refunds to beneficiaries
Get a personalised quote — we'll match the insured sum to your situation and explain the age-based pricing transparently.
Plan ahead for peace of mind
Protect your family from unexpected costs and difficult decisions
How funeral insurance works
We make it simple to set up cover that respects your wishes
01
Choose your option
Spanish funeral or repatriation to your country of origin — or leave the choice to your beneficiaries. We talk you through which fits your situation.
02
Apply with basic details
Age, beneficiary information and your declared choice. No invasive medical questionnaire for the standard product.
03
Premium based on age at enrolment
Premium rises progressively with age until 76, then only inflation adjustments apply. Younger applicants lock in lower lifetime cost.
04
Cover begins, family knows what to do
When the time comes, your family calls Caser. They execute your declared choice and family transfer assistance kicks in for relatives travelling to attend.
What we need to issue the policy
Caser's expat funeral cover is straightforward to set up. The most important step is your declaration of choice — Spanish funeral, repatriation, or leave it open for beneficiaries.
Checklist
- Age and date of birth (drives the premium)
- Valid passport or ID and NIE if available
- Declaration of choice: Spanish funeral, repatriation to country of origin, or leave the choice to beneficiaries
- If repatriation: country of origin / destination country
- Beneficiary details (who will be contacted and refunded any excess)
- Preferred payment frequency: annual, half-yearly, quarterly or monthly
Standard waiting periods may apply
New policies may carry standard waiting periods, especially for non-accidental causes. We'll confirm exact terms at quote so there are no surprises for your family later.
Many expats underestimate how much repatriation costs. Planning ahead with funeral insurance removes this burden from your family during an already difficult time.
Maya Kallio
Licensed Insurance Agent, DGSFP
Coverage overview
What funeral insurance covers
Understanding what is and isn't covered helps you and your family plan with confidence
Standard cover
Included
- Spanish funeral package: coffin, hearse, shroud, fresh wreath, obituary
- Religious or civil service of your choice
- Burial (interment) or cremation
- Marble or granite headstone
- International repatriation: body transport to country of origin
- All documentation and consular formalities for repatriation
- Special mortuary services for children (pregnancy-related losses or deaths within 30 days post-birth, Spain only)
- Over-the-phone legal guidance: civil, labour, administrative, criminal and trade-law
- Family transfer assistance: companion travel ticket
- Family transfer accommodation: up to €90.15/day, max €601.01
- Excess refund: unused portion of the insured sum reimbursed to beneficiaries
Add to your policy
Optional
- Choice declared in advance (Spanish funeral OR repatriation)
- Choice left open for beneficiaries to decide at the time
- Higher insured sum for premium destinations or extended ceremony
- Annual, half-yearly, quarterly or monthly payment frequency
Read carefully
Not covered
- Services not agreed in the policy or beyond the insured sum (when applicable)
- Additional ceremony costs paid privately by the family
- Children's mortuary services outside Spain
- Standard waiting periods may apply for new policies — confirm at quote
Who can take out the Caser Expat Funeral policy
Open to all adult ages. Caser doesn't publicly state a maximum enrolment age — get a quote and we'll confirm. The pricing structure is designed to remain affordable into older age.
All adult ages accepted
Caser doesn't publish a hard upper limit on enrolment age. Pricing is designed to remain affordable into older age — request a quote and we'll confirm what's available for you.
Read our funeral guideYounger enrolment locks in value
Premium rises progressively with age until 76. Enrolling in your 40s or 50s means a much gentler pricing curve — and once you reach 76 it freezes at CPI-only forever.
Read our funeral guideFrozen at age 76
After 76, the premium is only adjusted for inflation (CPI). It never re-rates based on age or health beyond that — useful protection against late-life premium shocks.
Read our funeral guideDesigned for expats
Five-language service, repatriation built in, family transfer assistance for relatives travelling from abroad — purpose-built around the expat reality.
Read our funeral guideWhy choose us
Why arrange funeral insurance with us
We make a sensitive topic as straightforward as possible
i.
Excess refund to beneficiaries
If the actual cost of providing the service is less than the insured sum, the unused amount is reimbursed to your beneficiaries. Most funeral insurers pocket the difference — Caser doesn't. This alone can mean thousands returned.
ii.
Service in five languages
English, Spanish, German, Finnish and Swedish — broker support and policy guidance available throughout, so neither you nor your family has to navigate this in a second language.
iii.
Family transfer assistance included
Companion travel ticket plus accommodation reimbursement (up to €90.15/day, max €601.01) so a family member can travel from abroad to be present.
iv.
Over-the-phone legal guidance
Civil, labour, administrative, criminal and trade-law guidance for the family — useful for navigating estate, probate and notifications in Spain.
v.
Progressive age pricing locks in value
Premium rises progressively with age until 76, after which only CPI/inflation adjustments apply. Enrolling young locks in lower lifetime cost — never re-rated for health or age beyond 76.
vi.
Caser: 75+ years in Spain
Caser is one of Spain's largest specialist funeral insurers, part of Grupo Helvetia. Decades of experience handling repatriations and Spanish funerals across all faiths and customs.
Excess on funeral insurance, and the rare excess refund
Not applicable
Excess (deductible)
- Funeral insurance does not carry an excess in the conventional sense
- The policy executes the chosen service against the insured sum
- Your family doesn't pay an out-of-pocket deductible at the time of need
- No invoices to settle, no co-payments due
Caser's standout feature — rare in this market
Excess refund to beneficiaries
- If the actual cost is less than the insured sum, the unused amount is refunded
- Refund goes to your declared beneficiaries — not retained by the insurer
- Most funeral insurers pocket the difference; Caser doesn't
- Particularly relevant for repatriation cover where insured sums tend to be higher
Translation: an insured sum sized for a worst-case repatriation isn't 'wasted' if the actual service costs less. The difference comes back to your family.
What your family does at the time of death
01
Call Caser on the 24/7 number on the policy — service is multilingual
02
Confirm the declared service path: Spanish funeral or repatriation (or choose, if left open to beneficiaries)
03
Caser executes — coffin, hearse, service, burial/cremation/headstone, or transport, documentation and consular formalities
04
Family transfer assistance kicks in: companion travel ticket and accommodation reimbursement (up to €90.15/day, max €601.01)
05
Over-the-phone legal guidance available throughout for the family's civil, labour, administrative, criminal and trade-law questions
06
If actual cost is less than the insured sum, the unused amount is refunded to beneficiaries
Caser pays providers directly and coordinates all logistics. Your family makes one call — they aren't expected to handle invoices, transport bookings or consular paperwork during grief.
Your family is supported when it matters most
24/7 helplines and direct coordination with funeral providers
Where the policy operates
01 · Region
Spanish funeral — anywhere in Spain
If the Spanish service path is chosen, the funeral takes place in Spain (mainland or islands), with full package: coffin, hearse, service of choice, burial or cremation, headstone.
02 · Region
Repatriation — to country of origin
If the repatriation path is chosen, the body is transported to your country of origin, with all transport, documentation and consular formalities handled. Worldwide destinations supported.
03 · Region
Family transfer — from abroad to Spain
Companion travel ticket and accommodation reimbursement (up to €90.15/day, max €601.01) for a family member to travel from abroad to attend.
Special mortuary services for children apply in Spain only. Get a quote and we'll confirm destination specifics for repatriation.
The Spanish funeral insurance system (seguro de decesos) is well-established and efficient. Insurers handle everything directly, so families don't deal with invoices.
Marco Elsinger
Licensed Insurance Agent, DGSFP
Key Terms
Spanish funeral insurance terms
Seguro de decesos
funeral insurance
Repatriación
repatriation (return of body to home country)
Inhumación
burial
Cremación
cremation
Tanatorio
funeral home/chapel
Féretro
coffin
Urna
urn (for ashes)
Certificado de defunción
death certificate
Beneficiario
beneficiary
Período de carencia
waiting period
Velatorio
wake/viewing
Sepelio
burial ceremony
Common questions
Frequently asked questions
Anything more specific — call or WhatsApp, we'll pick up.
Why take funeral insurance as an expat in Spain?
Two practical reasons: (1) repatriation alone can cost €5,000–€15,000+ — funeral insurance turns this into a small monthly premium; (2) your family doesn't have to make the choice between repatriation and a Spanish funeral while grieving. You decide in advance.
Repatriation or Spanish funeral — how do I choose?
Personal decision based on where you consider home, family location and preferences. Common pattern: long-term residents who consider Spain home choose a Spanish funeral; pensioners spending part of the year in Spain choose repatriation; mixed-nationality families ask family preferences. The policy can be set up either way, or you can leave the choice to your beneficiaries at the time.
Is unused premium refunded?
Yes — if the actual funeral or repatriation cost is less than the insured sum, the difference is refunded to your beneficiaries. Caser is one of the few insurers offering this; most policies retain the difference.
Will my family be helped to attend?
Yes — companion travel ticket and accommodation reimbursement (up to €90.15/day, max €601.01) are included so a family member can travel to be present.
Is legal guidance included?
Yes — over-the-phone legal guidance covering civil, labour, administrative, criminal and trade-law matters. Useful for navigating estate, probate and notifications in Spain.
Why does the premium rise with age?
Standard insurance pricing reflects life-expectancy actuarial tables. Younger enrolment locks in lower lifetime premiums. After age 76, premiums freeze at inflation-only adjustments — they never re-rate based on health or age beyond that.
Does it cover children?
Yes — special mortuary services for pregnancy-related losses and deaths within 30 days post-birth (Spain only).
Are there age limits to enrol?
Caser doesn't publicly state a maximum enrolment age — get a quote and we'll confirm. The pricing structure is designed to remain affordable into older age.
How does my family contact the insurer when the time comes?
The policy includes a 24/7 multilingual emergency number and clear instructions. We recommend sharing these details with your closest family and keeping them in an obvious place at home.
Related guides
Related guides
Funeral insurance guide 2026
Complete guide to the Spanish funeral system and seguro de decesos for expats
Read more →Life insurance in Spain
Understand the difference between funeral insurance and life insurance for financial protection
Read more →Insurance broker guide
Why using a licensed broker makes insurance easier for expats
Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 420+ reviews from expats across Spain
We decided to have our funerals in Spain but didn't know how the system worked. We received calm, respectful advice and now have a plan that fits both our wishes and budget.
After my neighbour passed away, his family struggled with unexpected costs. I decided to plan ahead. The team was professional and sensitive throughout.
Expert reviewed
Written and reviewed by licensed insurance agents.
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent · Since 2012
Marco Elsinger
Licensed Insurance Agent · 10+ years
Languages: English, Finnish, Spanish, German, Swedish · DGSFP License: C0031B93323293
