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Funeral insurance in Spain (seguro de decesos)

Many expats in Spain are either unaware of the seguro de decesos (funeral insurance) or often confuse it with life insurance. However, in Spain, these are two very different products.

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Why do you need funeral insurance in Spain?

While life insurance provides a financial payout to beneficiaries (which can often take months to process), Spanish funeral insurance is, first and foremost, an immediate assistance policy - the insurance company will organize your funeral or repatriation to your home country and cover costs.
The core purpose of this policy is to completely lift the financial burden and organizational chaos from your loved ones during their most difficult time.

How does the funeral insurance work on practice?

In the event of a claim, your family doesn't need to search for funeral homes, compare prices, or navigate complex Spanish laws.

A single phone call:

Just one call to the insurance company's 24/7 support line is enough. Insurance manager will organize the process from A to Z.
Immediate action:

From that moment on, the insurer takes full control—from covering all costs to handling logistics.
No bureaucracy:

The company's specialists manage all the necessary legal paperwork and death certificates on your behalf.

With a funeral insurance you don't have to worry about missing crucial details due to the language. Your insurance provider acts as your professional guide, ensuring everything is handled correctly and with respect to local regulations.

What does funeral policy in Spain cover?

DKV comprehensive plans are designed to handle every detail, so your family can focus on what truly matters.

Standard coverage includes:

funeral planning service: we help you organise all the details of your funeral, so that it is carried out in line with your values. Your family will not have to worry about anything and will be able to hold a unique farewell.;
costs coverage of funeral: burial or cremation, casket, hearse, floral arrangements, ceremony etc.);
regulatory capital for extra unexpected costs: when taking out the insurance, you can choose to cover 5%, 10%, 15% or 20% of any extra charges;
transfer to any cemetery in Spain: we will take care of preparing and transferring the coffin to any Spanish town or city;
repatriation for foreigners who are residents in Spain. Preparation and transfer of the deceased from the place of death in Spain to the international airport nearest to the place of burial in the country of origin. Includes a return trip for a companion, from the country of origin to Spain or vice versa;
family assistance: a specialist will accompany and guide your family throughout the process, offering guidance and coordination of administrative procedures, obtaining official documents and emotional support;
psychological assistance: unlike other insurances on the market, this includes professional end-of-life psychological support and in palliative care, as well as face-to-face psychological assistance and a grief helpline;
legal assistance: your family will be able to deal with inheritance issues directly with a lawyer, as well as make legal enquiries;
online will: drafting of online will with advice from a lawyer and on notarial fees. With this free service you will be able to draft your will via the Internet with the necessary legal advice (it includes fees for having it signed at a notary’s office close to your address and an annual amendment);
worldwide travel assistance: enjoy worldwide emergency travel assistance in trips of up to 90 days. In addition, we cover your medical, surgical, pharmaceutical and hospitalisation expenses abroad up to €25,000, as well as emergency dental expenses up to €500;
end of digital life management: cancellation of the email accounts of the insured person, request for cancellation of the accounts of the deceased on social networks or change to memorial account, processing the removal or transfer of blogs and websites owned by the deceased, along with profiles in forums, chat pages or dating sites. Deletion or transfer of files stored in the cloud.

Optional coverage may be added:

Accidents: in the event of any type of accident resulting in death or permanent disability, we will offer you compensation of up to €60,000;
Hospitalisation: up to €60 per day in the event of hospitalization for any reason;
Plus package:

ASSISTANCE SENIOR, remote care: If you have any family members who need to be immobilised during their recovery, they will receive home care services.

ASSISTANCE JUNIOR, educational support services at home or in hospital, for children and adolescents aged 6 to 16 who must remain immobilized due to an illness or accident.

FAMILY LEGAL PROTECTION: we help you with claiming damages and legal defense in private and family matters, covering up to €2,000 euros. This also includes guidance for drawing up a living will.

COMPREHENSIVE PET ASSISTANCE: permanent telephone advice for pets (dogs and cats) and access to special services and prices. Includes up to €250 for the management of a pet’s death.

repatriation to your home country

If you are legal Spanish resident repatriation is included. In other case, you can add it additionally.

Question:

What is the difference between funeral insurance and life insurance?

Answer:

Funeral insurance will organize and pay for your funeral and provide immediate assistance to your family, whereas life insurance pays out a portion of the insured capital for the funeral, requiring a family member to organize the service.

Question:

What happens if there is money left over?

Answer:

DKV will refund any remaining balance to the beneficiaries. In the event that the company cannot provide the service due to external reasons, the insurer will pay out the full amount of insured capital. Both conditions are established by Spanish laws: ley 50/1980, Ley de Contrato de Seguro and ey de Ordenación, Supervisión y Solvencia de las Entidades Aseguradoras y Reaseguradoras (LOSSEAR).

Question:

Is there an age limit to buy a policy?

Answer:

There is no strict age limit; however, there are two important points to keep in mind:

health questionnaire: a health declaration is required upon application.
coverage for seniors (70+): applicants over 70 years old are eligible only for a single-premium policy (prima única, a one-time lump-sum payment). This option covers funeral services strictly within Spain and excludes international repatriation.

Question:

What is the duration of the policy, and how is it renewed?

Answer:

The contract is valid for 12 months and automatically renews annually, unless either party notifies otherwise or in the event of the insured person’s passing.

Cancellation Notice: If you wish to cancel or modify your policy, Spanish law requires written notice at least 31 days before the annual renewal date.

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+34 630 121599
office.trubchaninova@gmail.com

Valencia, Spain

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