Does life insurance cover death overseas?

If you pass away while you’re in another country, handling your remains and letting your family know can be more complicated than if you passaway at home.

Usually, the local authorities in the country where you’ve died will contact the nearest British embassy or consulate. They’ll help with identifying your body, getting a local death certificate, and working with your family back in the UK.

Life insurance policies usually don’t pay for the cost of bringing your body back to your home country, which is called repatriation.

Some life insurance plans might cover repatriation, but it’s more common to find this cover in travel insurance.

This process can be expensive, so it’s a good idea to check with your insurance company if repatriation is something you’re worried about. They might offer extra cover or suggest a travel insurance policy that covers these costs.

A digital nomad is someone who works remotely while travelling from place to place, often living in different countries for a while instead of staying in one location.

Most insurance companies in the UK can only offer cover to customers who are resident in the UK. Digital nomads are unlikely to get life insurance cover if they are travelling or a resident abroad for a significant period of time.

Insurance companies will look at things like how long you travel, which countries you go to, and what kind of work you do when they consider your application.

To start exploring your options and possibly find a policy that meets your needs, you can visit the Aviva life insurance products page. You can also use our life insurance calculator to help you work out how much life insurance you might need.