What is repatriation of remains, and why is it important in travel insurance? Repatriation comes from the Latin word "repatriare" meaning to restore someone to their homeland and the phrase was originally...
Repatriation comes from the Latin word "repatriare" meaning to restore someone to their homeland and the phrase was originally used when soldiers or refugees were returned home, usually after a war. The rather old-fashioned phrase is still used by many insurance companies perhaps because it is a more tactful way of describing an unfortunate event.
Most of us take out travel insurance because we have to; and most of us do not possibly think for a moment that the worst possible scenario could occur while traveling. In the extremely unfortunate - and unlikely - event of you or one of your group dying while traveling, this type of insurance will cover the associated costs.
According to figures from the US State Department, over 6,000 Americans died overseas in 2005 - most were on business or vacation, although some were living abroad for an extended time. Many died from illness but slightly more than half died from accidents of some kind.
Without this type of insurance, the cost can otherwise be extremely high - the cost to fly a body and casket back to the United States typically runs anywhere from $300 to $2000. Additionally, it is an emotional burden for those who have to deal with the arrangements and paperwork. Not many people know that if you die overseas, you are actually subject to the rules and regulations of the country in which you die - having this type of insurance means that the arrangements are largely taken care of for you.
The length of time for repatriation of remains to be completed can vary greatly, depending on where you are, the cause of death and the exact location. Not surprisingly, if death occurred by natural circumstances the whole process is easier and quicker - if death is caused by a crime or suicide, the process can be lengthier.
If a passenger dies on a cruise ship, the situation can be a little more complex. In general, the ship is required to report the death at its next port of call. The remains of the deceased may then be removed at that port, or if more practical, remain on board until the cruise ends and then flown home from there.
Most of us simply don't need to worry about this eventuality. Of course, the older a person is and the worse their health situation, the more this situation may have to be planned for. And if you do have a pre-existing medical condition, especially one that may flare up - its important to notify your insurance company - if you don't, the insurance company has the right to revoke your policy at a later date.
And if you don't really feel that you need the extra insurance for this, there are still some simple but effective steps you can take in case it happens. If traveling overseas, in addition to your passport, make sure you carry a list of emergency contacts, next of kin to be notified, dental records and your wishes concerning your remains and a copy of your will.
