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Family together at home, Allianz funeral insurance with repatriation for expats in Spain

Funeral insurance in Spain

One of the kindest things you can do for your family is to spare them the costs and paperwork at the hardest moment, especially in a country and a language that aren’t their own. Allianz Decesos Plus takes care of everything: the funeral, repatriation if you wish, the legal paperwork and your will, so your loved ones only have to say goodbye.

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Funeral and legal paperwork fully managed

Repatriation to your home country available

Psychological support for the family

Plans

Choose the cover that best looks after your family

Essential

The peace of mind of the basics. Covers and organises the full funeral service and transfer, plus travel assistance and legal services. The most affordable way to leave everything arranged with dignity.

Complete

One step further for your family. Everything in Essential, plus a notarial will and living will, digital legacy removal, and everyday and psychological support for the family during bereavement.

Extra

For those who also want to look after their health now. Complete, plus dental cover and medical assistance with video consultations: look after yourself today and leave everything arranged for tomorrow.

Total

The most complete plan. Everything above, plus a hospitalisation allowance, so that if you're admitted to hospital you also have Allianz's financial support.

Repatriation

Designed especially for foreign residents in Spain. It handles the repatriation of the deceased to their home country quickly, covering all the international paperwork and the cost of the cross-border transfer.

Compare Allianz funeral insurance plans

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Cover	Essential	Complete	Extra	Total	Repatriation
Premium type	Single or regular	Single or regular	Regular	Regular	Regular
Funeral service
Full transfer
Travel assistance
Legal services					—
Living will and notarial will	—				—
Digital legacy removal	—				—
Everyday support after a death	—				—
Psychological support after a death	—				—
Dental cover	—	—			—
Medical assistance	—	—			—
Hospitalisation	—	—	—		—
Repatriation	—	—	—	—

Included Not included

Guide table based on the official Allianz funeral insurance brochure (ref. 658 0424, April 2024). Cover, limits and exclusions depend on the terms of your policy.

What’s covered

Whatever happens, your family won’t have to pay or organise it alone

At the hardest moment, your family shouldn’t be dealing with banks, taxes or funeral bills, let alone in Spanish. Allianz funeral insurance takes on the full cost and the organisation of the funeral. And it helps you today too: the plans include medical video consultations, dental cover, psychological support and a will service.

Complete funeral service and transfer

Full cover of the funeral service: funeral home, coffin, headstone and cremation or burial. It also covers the transfer of the deceased, with no border limits, if death occurs away from home, so you can rest close to your loved ones.

All the legal paperwork handled

A death in Spain triggers a lot of bureaucracy, all of it in Spanish. We handle the legal services: the certificate of last wills, closing bank accounts and deregistering the deceased's ID and Social Security. Your family won't have to visit a single public office.

Will service and digital legacy removal

Planning ahead is an act of love. The policy includes preparing your will and living will online, with the notary of your choice. After a death, our team closes the person's online and social media profiles.

In-person psychological support

You'll never be on your own. A sudden bereavement can overwhelm a family, far from home even more so. The policy includes free sessions with psychologists specialised in grief to get through the first, hardest steps.

Telemedicine and second medical opinion

Insurance you can use today. Everyone on the policy has unlimited access to the medical app for chats and video calls with doctors, and for serious conditions a second opinion from leading specialists worldwide.

Family dental cover included

With the Extra and Total plans you get Allianz dental cover: access to the Allianz dental network for check-ups, simple extractions and diagnoses free of charge or at reduced prices.

Good to know

Funerals in Spain: four things expats should know

What funeral insurance (decesos) is

It's one of the most common policies in Spain. Rather than paying out a cash sum, the insurer organises and pays for the funeral itself, and deals with the paperwork, so your family only has to make one phone call.

What funeral insurance (decesos) is

Funerals in Spain happen very quickly

In Spain, burial or cremation usually takes place within 24 to 48 hours of death. That leaves little time for relatives flying in from abroad to organise anything; with a policy in place, everything is already arranged.

Funerals in Spain happen very quickly

Repatriation to your home country

If you want to be buried or cremated in your home country, repatriating a body from Spain involves international paperwork and can cost well over €10,000. The Repatriation plan organises and pays for it.

Repatriation to your home country

The paperwork is in Spanish

Death certificate, certificate of last wills, deregistration from Social Security, the town hall register and the banks: our legal service handles it all and explains each step to your family in English.

The paperwork is in Spanish

Leave everything arranged: get your quote today

Tell us who you’d like to include and whether you’d want repatriation to your home country, and we’ll prepare a tailored, no-obligation proposal, in English.

FAQs

Funeral insurance in Spain: frequently asked questions

A standard funeral in the Region of Murcia (funeral home, coffin, flowers, transfers and a niche or cremation) can easily cost €3,500 to €6,000. If the death occurs abroad or the body has to be repatriated, the cost can rise above €10,000. Funeral insurance covers the funeral so your family doesn't have to find that money.

Yes. The Repatriation plan is designed for foreign residents in Spain: it organises and pays for the transfer of the deceased to their home country, including all the international paperwork. Tell us where you'd like to be laid to rest when you ask for a quote.

Transfers are covered nationally and internationally. If the insured person dies on a trip elsewhere in Spain or abroad, Allianz organises and pays for the transfer back to the funeral home.

Almost all of it. Our legal team requests the death certificate and the certificate of last wills (to find out whether there is a will), applies for widow's or orphan's pensions where applicable, and deregisters the deceased with Social Security, the tax office, the town hall register and their banks.

No. The will service is included: we advise you by phone, draft your open will and pay the notary's fees at the notary of your choice. It also includes drafting a living will (advance medical directives). For expats with property in Spain, a Spanish will makes things much easier for your heirs.

After a death, social media profiles stay active, receive automatic birthday messages and can be hacked. Our team contacts Meta (Facebook, Instagram), Google and other platforms to close and delete the deceased's profiles, protecting their memory and the family's privacy.

Yes, and it's the most sensible way to do it. A family policy covers parents, children and grandparents under a single payment (monthly, quarterly or annual), and the more people you include, the better we can optimise the cost.

Yes, there is a solution. For older people who no longer pass standard medical questionnaires, there is a single-premium option: one payment, and the person is covered for life for all funeral and legal services, with no further premiums.

Of course. The policy is set up with an agreed insured amount, and when the time comes your family decides how they want to say goodbye: the funeral home, the coffin, the flowers, and burial or cremation with the ashes returned in an urn.

Yes. Unlike the funeral covers, the additional medical and dental covers in the Extra and Total plans are available from the first day: unlimited 24/7 medical video consultations and the Allianz dental network.

AMB Seguros is an exclusive Allianz agency in Murcia helping expat families plan ahead with funeral insurance (seguro de decesos): funeral costs, repatriation to your home country and the Spanish paperwork handled for you, with advice in English.

Funeral insurance in Spain

Choose the cover that best looks after your family

Essential

Complete

Extra

Total

Repatriation

Compare Allianz funeral insurance plans

Whatever happens, your family won’t have to pay or organise it alone

Whatever happens, your family won’t have to pay or organise it alone

Complete funeral service and transfer

All the legal paperwork handled

Will service and digital legacy removal

In-person psychological support

Telemedicine and second medical opinion

Family dental cover included

Funerals in Spain: four things expats should know

What funeral insurance (decesos) is

What funeral insurance (decesos) is

Funerals in Spain happen very quickly

Funerals in Spain happen very quickly

Repatriation to your home country

Repatriation to your home country

The paperwork is in Spanish

The paperwork is in Spanish

Leave everything arranged: get your quote today

Funeral insurance in Spain: frequently asked questions

How much does a funeral cost in Spain without insurance?

Can the policy cover repatriation to my home country?

What if death occurs in another city or country?

What paperwork does the insurer handle?

Do I have to pay extra for a will?

What is digital legacy removal?

Can I include my whole family in one policy?

My mother is elderly and has a chronic illness. Can she still be insured?

Can we choose the funeral home, the coffin and burial or cremation?

Can I use the medical and dental cover straight away?