What does repatriation of remains mean?

It generally refers to arrangements for returning a traveller to their home country if they pass away while abroad.

Depending on the policy and circumstances, assistance may involve coordination with authorities, medical facilities, transport providers and the traveller’s family. Exact benefits, limits and procedures depend on the insurer and policy.

Why can this become complicated when someone is abroad?

International arrangements can involve organisations and rules that a family may not know how to navigate during a difficult time.

  • Local authorities
  • Medical or hospital documentation
  • Required permits
  • Transport and airline requirements
  • Coordination between countries
  • Communication with the traveller’s family

Does travel insurance automatically include it?

Not necessarily. Travel policies differ. Some include repatriation benefits, while others may apply different limits, conditions or exclusions. Check the policy schedule before travelling.

What should I check before buying travel insurance?

  • Is repatriation included?
  • What is the benefit limit?
  • Which destinations are covered?
  • Are there important exclusions?
  • Is emergency medical evacuation covered separately?
  • Who should be contacted in an emergency?
  • Is 24-hour emergency assistance available?

Is repatriation the same as medical evacuation?

No. Medical evacuation generally concerns transporting a traveller who needs medical care. Repatriation of remains concerns arrangements following the loss of a traveller abroad. The benefits may have separate limits and conditions.

A simple example

Imagine a Kenyan travelling abroad for work, study or holiday who unexpectedly passes away. The family in Kenya may need to coordinate with organisations and authorities in another country while also dealing with the personal impact of the situation.

Where the travel policy provides appropriate assistance, the insurer or assistance provider may help coordinate covered arrangements according to the policy terms. This can reduce some of the logistical and financial pressure on the family.

This guide is for general information only and does not replace insurer policy wording, underwriting terms or professional advice based on your specific situation.