Death Abroad: The Importance of Being Prepared and Insured
When going on holiday, most people don’t think about death. However, it’s crucial to consider the worst-case scenario and prepare for it, as failing to do so can result in significant financial burdens for your loved ones. Funeral director Jackie Lymn Rose, a repatriation specialist with over 30 years of experience, emphasizes the significance of understanding the practical and financial consequences of dealing with death abroad.
Repatriation, the process of returning a deceased person’s body to their country of residency or citizenship, involves numerous steps and actions that are dependent on the laws and customs of the country where the death occurred. Flight disruptions and delays can add to the distress experienced by families waiting to bid their final farewells.
Repatriation costs vary depending on the location of the death. For example, repatriating a body from Australia to the UK can cost between £7,500 and £10,000, while repatriation from South America to the UK can range from £10,000 to £15,000. It’s essential to have comprehensive travel insurance that covers these costs.
Jackie shares a heartbreaking story of a family who had to forgo repatriation because they didn’t have the right insurance. The cost of bringing their loved one back from Lanzarote was a staggering €100,000 (£86,600). Additionally, she mentions an elderly couple who didn’t have insurance and had to pay £6,000 upfront to have their deceased partner’s body removed.
Garry Nelson, a travel insurance expert, highlights how repatriation expenses can quickly escalate. Medical-team-escorted air ambulances from Spain to the UK can cost between £25,000 and £30,000, while repatriations from the US can surpass six figures. Comprehensive insurance is vital to cover additional accommodation and living expenses for a spouse who needs to extend their stay due to their partner’s hospitalization.
Other complexities involved in repatriation include potential delays, language barriers, cultural differences, and the involvement of local authorities. It’s crucial to report any death occurring abroad to the UK coroner and allow for unexpected last-minute delays by leaving a 48-hour gap after the planned arrival of the deceased in their home country.
Jackie emphasizes that having the right insurance is crucial in dealing with flight delays, disruptions, and unforeseen challenges. She advises travelers to research and ensure they have adequate coverage before embarking on their journey. Lymn Rose Funeral Service, a family business with extensive experience, aims to reduce stress and facilitate a smooth process for those saying goodbye to a loved one.
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