What is Repatriation of Remains Insurance?
“Repatriation” means to return to the country of citizenship. In the unfortunate event that someone dies during a trip, repatriation of remains insurance arranges for the return of that person’s remains to his or her country of origin or to a nearby funeral or cremation facility.
Dealing with death while abroad is difficult. Not only are you away from your support system of friends and family, but transporting remains is a difficult task. The rules and regulations for transporting a person’s remains vary from country to country. Repatriation of remains insurance assists with the logistics and coordination with authorities and airliners to make the final journey home. In addition, repatriation of remains insurance from Arch RoamRight includes, but is not limited to, expenses for embalming, cremation, and transportation.
The circumstances are ones no one wants to consider, but a death while traveling is a complicated and serious matter that deserves the consideration of such insurance. For full details on the repatriation of remains insurance coverage included in all of our plans, contact Arch RoamRight today, or speak with a representative via live chat.
What is Covered with Repatriation of Remains Insurance?
Under Arch RoamRight travel insurance plans, expenses related to repatriation of remains can be covered. This may include expenses for embalming, local cremation, minimally necessary casket for transport, and air transportation of your remains. It may also include other expenses required to comply with local laws or regulations to arrange transport of your remains.
What is Not Covered with Repatriation of Remains Insurance?
There is no coverage for repatriation of mortal remains for any of the following circumstances:*
- Death as a result of suicide or any intentionally self-inflicted injury of yourself, a traveling companion, family member, or business partner booked to travel with you, while sane or insane;
- Death as a result of war, invasion, acts of foreign enemies, hostilities between nations, or civil war;
- Death as a result of participating in mountaineering; professional in a stunt, athletic or sporting event or competition; skydiving or parachuting, hang gliding, bungee cord jumping, extreme skiing, skiing outside marked trails or heli-skiing, any race or speed contests, scuba diving if the depth exceed 130 feet or if you are not PADI or NAUI certified to dive and a dive master is not present during your dive, spelunking, or bodily contact sports.
*This is not meant as an exhaustive list of all the exclusions. For a full list of terms, conditions and exclusions, please review your policy.
Medically Necessary Repatriation Insurance v. Repatriation of Remains
While repatriation of remains insurance coverage relates to the arrangement of transportation home for a person’s mortal remains, medically necessary repatriation insurance can provide coverage for your return to your home country if deemed medically necessary.
Under medically necessary repatriation insurance, your policy can pay for a medical evacuation to return you to your point of origin, your primary place of residence, or to a hospital or medical facility close to your primary place of residence capable of providing continued treatment only if your local attending physician and we or our third-party assistance provider deem that it is medically necessary.
Coverage for transportation can include commercial air upgrade to business or first class.
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