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Funeral Plans for Expats in Spain: Costs & Cover Levels

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Funeral plans for expats in Spain (seguro de decesos) from Generali — cover all funeral expenses, burial or cremation, headstone and repatriation costs directly with the funeral home, so your family has nothing to pay and nothing to arrange at the worst possible moment. Spanish funerals happen within 24–48 hours of death and cost €3,500–€12,000; a decesos policy is the only product that pays the funeral home directly in real time. No medical questions, entry up to age 69, immediate cover for accidental death and repatriation to the UK, Ireland, the Netherlands, Belgium, Norway, Germany, France or any country of origin. English-speaking agents in Javea covering the Costa Blanca, Costa Cálida and all of Spain.

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📖 Read our in-depth Funeral Insurance in Spain guide for expats →

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Read the full policy in EnglishWe have translated the complete Generali Protección Familiar (decesos) policy conditions — funeral cover, repatriation and family assistance, with every limit & exclusion.View conditions →
Quick Answer. Funeral Plan Costs in Spain
Mandatory?No — but strongly recommended for expats
Typical premium€15–€40 / month
Medical questions?None
Repatriation cover?Yes — to UK or Ireland
Maximum entry age69 — older applicants by agreement
Cheapest optionSpain-only plan, from €15/month

Answered by Turner Insurance Specialists — exclusive Generali agents in Spain since 2007, based in Javea (Alicante). Talk to a real adviser in English: 966 461 625.

Funeral insurance, funeral plan, decesos, burial insurance, death cover — same product, different names. Whether you searched for "funeral insurance Spain", "funeral plan Spain", "cheapest funeral plan Spain", "decesos insurance", "burial insurance Spain", "funeral expenses cover", "expat funeral cover" or the Spanish seguro de decesos, you're in the right place. Spanish decesos is the legally regulated product that pays the funeral home directly — the only true funeral plan on the Spanish market. We arrange Generali policies for British, Irish, Dutch, Norwegian, Belgian, German and French expat residents and non-residents across the whole of Spain.

Funeral Plans for Expats in Spain — Key Points

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  • Covers all funeral costs in Spain, plus repatriation to your home country.
  • Entry up to age 69, and no medical questions to take out a policy.
  • Removes the unexpected cost and admin that catch families out at a difficult time.
  • Arranged in English by authorised Generali agents in Javea.
  • Free, no-obligation quote — same business-day reply.

Spanish Insurance Law: Funeral Insurance. Key Facts, Limits & Exclusions

The legal framework, waiting periods, exclusions and sources every buyer should know. We link the sources inline to the BOE (Boletín Oficial del Estado) and the Spanish regulators.

Legal framework

Funeral insurance (seguro de decesos) is governed by Ley 50/1980 Article 8 and is a fully voluntary product — there is no legal requirement to hold it. Spain has the highest penetration of funeral insurance in Europe: per ICEA data, more than 25 million Spaniards hold a Decesos policy, reflecting the country's tradition of pre-paid funeral arrangements.

In practice, Decesos policies act as pre paid funeral plans: through pre planning the service and locking in today's prices, the policy removes the financial burden from grieving family members when the time comes. Generali pays the funeral home directly, so the family is not asked to advance several thousand euros at the worst possible moment.

What a Spanish funeral costs and timeline

A Spanish funeral typically takes place within 24–48 hours of death. Spain has limited refrigeration capacity for deceased and a long-standing cultural preference for prompt burial or cremation. Without a Decesos plan, an unplanned funeral on the Costa Blanca costs typically €3,500–€6,000 (Spain-only, basic) and €7,000–€12,000+ if repatriation to the UK or Ireland is needed. Decesos plans pay these costs directly to the funeral home, sparing the family payment at the time of bereavement.

What is covered — the standard service

A standard Decesos plan covers the full network-provider service:

  • Collection of the deceased (tanatorio)
  • Preparation
  • Embalming and casket
  • Velatorio (wake) facilities
  • Religious or civil ceremony coordination
  • Burial OR cremation
  • Certified copies of the death certificate
  • Cemetery fees for a basic niche or grave
  • All administrative and legal paperwork — including registration with the Civil Registry under Ley 20/2011 del Registro Civil

Repatriation Decesos plans also cover international transport. This includes embalming to ICAO standard, a hermetically-sealed coffin, customs paperwork and ground transport at the destination.

Maximum entry age and medical questions

Generali’s Protección Familiar decesos policy accepts new applicants up to actuarial age 69 at the start date (Article 19 of the policy conditions), with older applicants accepted only by specific agreement — and there are no medical questions at any entry age. Some other Spanish providers, such as Santalucía and Ocaso, advertise entry to age 70 or 75, sometimes via a plan limitado with a 2- to 3-year qualifying period for natural causes (immediate cover for accidents from day one).

The lack of a medical questionnaire is unique among Spanish life-and-death insurance products and reflects the actuarial calculation that the average policyholder pays in for many years before any claim.

Premium structures: level, mixed and single premium

The Generali conditions offer three premium modes. Level (nivelada) premiums stay constant for a given sum insured — they move only when the capital is index-revalued each year. Mixed (mixta) premiums follow the insured's actuarial age at each renewal up to age 74, then stay constant; for insureds under 60 at the start the premium is held fixed for the first three years. Single-premium (prima única) plans charge a one-off lump sum (€1,800–€4,500 typical) which settles the funeral guarantee for the life of the contract with nothing further to pay. Mid-year cancellation does not generally refund premiums already paid.

Waiting period (carencia)

Article 20 of the Generali conditions sets a 20-day waiting period from each insured’s joining date for the funeral, death-assistance, additional-capital, family-assistance and repatriation guarantees (12 months for the death-assistance services where the funeral guarantee is taken as a single premium). All waiting periods are waived where the death results from an accident.

Claim notification and the seven-day rule

Under Ley 50/1980 Article 16, the family or executor must notify the insurer within seven days — in practice within 24 hours, since the funeral happens fast. Notification is by phone to a 24/7 line; the insurer arranges everything from that point. Documents needed at notification: the deceased's NIE/DNI, their policy number (or any policy reference), the family contact and the medical death certificate. Most Spanish funeral insurers operate networks of 1,200+ funeral homes nationwide.

What a Spanish Decesos Funeral Plan Includes

A Spanish decesos funeral plan coordinates and provides the funeral service itself when an insured person passes away. It covers funeral costs only — so your family is not left with unexpected expenses. Our policies are provided by Generali Spain.

Key Points

  • Cover whatever your existing health conditions
  • All funeral, burial or cremation costs covered in Spain
  • Repatriation to home country arranged and covered
  • All legal and administrative paperwork handled
  • English-speaking staff throughout the entire process
  • Regular premium: monthly, quarterly, bi-annual or annual payment options for spreading the cost
  • Maximum age to start: 69 (older applicants only by agreement with Generali)
  • Choice of premium modes: level, age-banded to 74 (then constant) or one-off single premium
  • One-off single premium option also available

Optional Extras

Note: Funeral insurance covers funeral costs only. For a lump-sum death benefit to your family, see our Life Insurance →

How to Get a Quote

We make getting a quote simple and fast.

  1. Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00 (09:30–14:00 in July and August).
  2. Tell us your situation. We will ask a few quick questions. What do you need to cover? Your age, your location, and any policies you already hold.
  3. We compare options — as authorised Generali agents, we present the plans that match your needs and budget. No pressure, no obligation.
  4. Your policy is set up — once you are happy, we arrange everything and send your certificate and English-language policy documents promptly.

Funeral Plans in Spain: The Cover Levels

Because decesos asks no medical questions, it is often still arrangeable when medically underwritten cover is not — the standard Generali entry limit is age 69, with older applicants considered only by agreement. For the position at 75-plus, see our guide to healthcare in Spain for pensioners and the over-75s.

In UK terms, decesos is the closest thing Spain has to whole-of-life cover — our guide to term vs whole-of-life insurance in Spain sets the two side by side.

Cover level What is included Best for
Básico Full funeral costs in Spain including ceremony, burial or cremation — up to €4,000 Expats who plan to be buried in Spain
Estándar All Básico costs plus repatriation of remains to the UK or Ireland Expats who may wish to be returned home
Premium Complete service including international repatriation, family travel and accommodation Families wanting complete peace of mind
Mayores de 69 (por acuerdo) All Premium benefits above the standard entry age of 69, subject to specific agreement with Generali — health still not assessed Older applicants or those with health conditions

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How Much Does a Funeral Plan Cost in Spain?

Costs vary based on your circumstances.

Funeral plan costs in Spain depend on your age at the time of application — the earlier you start, the lower the monthly premium. Premiums are fixed at inception and do not increase with age once you have taken out the policy. Set that against what the funeral itself costs when nobody has planned for it: €3,500–€6,000 for a straightforward burial or cremation on the Costa Blanca, and €7,000–€12,000+ once repatriation to the UK or Ireland is involved — payable by the family within days. A monthly plan from €15 spreads that over a lifetime; a single premium of roughly €1,800–€4,500 settles it in one payment. As a general guide:

Looking specifically for the cheapest funeral plan in Spain? The next section covers what actually moves the premium.

Cheapest Funeral Plan in Spain: How to Pay Less

Searching for the cheapest funeral plan in Spain? Four things decide what you pay:

Our Cheapest Funeral Plan Option in Spain

The cheapest funeral plan in Spain we can arrange is the Spain-only decesos tier. It starts from €15 a month. It pays the funeral home directly for a burial or cremation here in Spain. Add UK or Ireland repatriation and the starting point moves to around €25 a month. A couple's plan starts from €40 a month. One contract covers two adult lives, so it usually costs less than two separate policies.

Cheap Funeral Insurance in Spain. Is It Good Value?

Funeral cover in Spain is genuinely affordable next to a UK funeral plan. But cheap funeral insurance is only a bargain if it delivers. Ask three questions before you buy on price. Does the insurer's funeral home network reach your town? Is the claims line answered in English? Does the plan cover repatriation, if your family would want it? A low-cost plan that fails on any of those costs your family far more later. Value for money here means the right cover at the lowest sensible premium.

And remember: with a Generali decesos plan the lifetime cost is predictable by design — level premiums stay flat, mixed premiums stop rising at age 74, and a single premium settles it once — certainty UK-style funeral plans rarely match.

Prepaid Funeral Plans vs Spanish Funeral Insurance

If you're moving from the UK you may be used to prepaid funeral plans — paying a funeral director a lump sum (or instalments) today for a funeral delivered later. In Spain the equivalent is decesos insurance: instead of pre-paying one provider, a modest monthly premium spreads the cost of your funeral over time, and the insurer arranges and pays for the whole service — and all the final expenses that come with it — whenever it is needed.

A UK prepaid plan normally pays for a funeral with a UK funeral director, so it is of limited practical use for a funeral held in Spain. A Spanish decesos policy works the other way around: it delivers the funeral here, where you live, with English-speaking coordination — and the repatriation option covers you if your family would prefer a UK funeral after all. If you like the prepaid approach of paying once and being done, the single-premium decesos option works much the same way: one payment, cover for life. For the full story — including what happened to families when an unregulated prepaid provider collapsed, and a line-by-line comparison of the two products — read our guide to prepaid funeral plans vs funeral insurance in Spain.

Funeral Plan or Life Insurance in Spain. Which Do I Need?

The answer depends on your situation.

Many expats need both. A funeral plan covers the practical and financial costs of arranging your funeral so your family doesn't have to. Typically €6,000–€15,000 depending on the level of service chosen and whether repatriation to the UK is required.

Life insurance provides a separate lump-sum death benefit (typically €50,000–€200,000) paid directly to your named beneficiaries to cover mortgages, debts, loss of income or inheritance tax. The two products work together: funeral insurance handles the immediate practical costs, life insurance provides long-term financial security for your family. Contact us and we will advise which combination is most appropriate for your situation and budget.

Approximate Funeral Insurance Pricing

Decesos (funeral) plans pay all funeral costs and arrangements directly. No medical questions, entry up to age 69:

Most Popular
Spain-only burial / cremation
from €15/mo
  • All funeral arrangements covered
  • Burial or cremation
  • Spanish death certificates & notary
  • Wake (velatorio) provision
  • No medical questions
Spain + UK repatriation
from €25/mo
  • Everything in Spain-only plan
  • Repatriation of body to UK / Ireland
  • Embalming & coffin to international standard
  • All certifications & paperwork
  • Family transport contribution
Family plan (couple / 2 adults)
from €40/mo
  • Two adult lives covered
  • Spain or repatriation options
  • Significant joint discount
  • Children added free up to 14
  • Single contract, single renewal

Prices shown are typical Spanish market starting points and depend on age, area, cover level and your individual circumstances. Contact us for a free personalised quote. Single-payment lifetime options also available — typically €1,800-€4,500 depending on cover.

🧭 Life insurance in Spain — the full family: All types (start here) · Life Cover · Term Life · Mortgage Protection · Critical Illness · Prepaid Plans · Incapacity · Daily Benefit — plus funeral insurance claims and full policy conditions in English.

Frequently Asked Questions About Spanish Funeral Plans

These are the most common questions we receive.

Spanish funerals work very differently from UK ones. These answers explain how a Decesos plan actually pays out, the 24-48 hour timeline you should expect, and the repatriation options for British, Irish, Dutch and Northern-European nationals.

Funeral insurance, funeral plan, decesos insurance, burial insurance, funeral expenses cover, death cover and the Spanish seguro de decesos all refer to the same legally regulated Spanish product. Unlike a UK funeral plan, a Spanish decesos policy doesn't pre-pay a funeral director — it's an insurance product that pays the funeral home directly in real time when the time comes. That distinction matters: a UK funeral plan ties you to one provider; a Spanish decesos policy lets your family choose any of the insurer's national network of funeral homes.
Typical 2026 prices: from €15–€25/month for a 50-year-old without repatriation; €25–€40/month for a 65-year-old with repatriation to the UK or Ireland; €40–€65/month for an 80-year-old with full repatriation cover. Premiums depend mainly on age at entry and whether repatriation is included. Once you join, the premium is fixed for life on Generali's level-premium plans — it does not increase as you age.
Call our English-speaking team on 966 461 625 (Monday-Friday 09:30–15:00; 09:30–14:00 in July and August) or email info@turnerinsurance.es. The only information we need is the proposed insured's full name, date of birth, NIE/passport number and Spanish address, plus a yes/no on repatriation. There is no medical questionnaire. We send a formal Generali Decesos quote within minutes — often on the call.
For British, Irish, Dutch and other Northern-European expats the strongest combination of price, coverage and English-language service is Generali Decesos Premier with the repatriation extension. It pays the full Spanish funeral plus international embalming, sealed metal-lined coffin, all consular paperwork and onward transport to your country of origin, with no excess, for new policyholders up to age 69. Other Spanish insurers offer similar products but Generali's English-speaking claims team and Costa Blanca branch presence make a real difference at the moment your family needs it.
Spanish funerals happen fast — typically within 24-48 hours of death because Spain has limited mortuary capacity and warm weather. Without a plan in place, your family has hours (not days) to make decisions, find a funeral director, choose burial or cremation, pay upfront, and arrange paperwork — all in Spanish. A Decesos plan eliminates all of this: one phone call to the insurer brings a funeral director who handles everything, with no money changing hands by the family.
Spanish funerals are usually held within 24-48 hours, are simpler in format, and involve a velatorio (wake) where the family receives visitors at the tanatorio (funeral home) for a few hours before the burial or cremation. There is normally no church service unless specifically requested. The body is rarely embalmed. Cremation is increasingly popular and faster than burial. Spanish death certificates and the inheritance process all happen via the local Civil Registry and notary.
No. Funeral plans are unique among Spanish insurance in that they require no medical questionnaire. They are designed to be available to anyone up to age 69 at entry — older applicants only by specific agreement — including pre-existing seriously ill applicants. The trade-off is a short 20-day carencia (waiting period) at the start of the policy, after which all causes of death are covered.
Yes — repatriation cover is the most popular add-on for British and Irish clients. The plan pays for full international embalming (required by air carriers), a sealed metal-lined coffin, all consular paperwork, transport to a UK or Irish airport, and onward transport to a funeral director at home. Once in the UK or Ireland, the family arranges the local burial or cremation service. Repatriation typically costs €4,000-€8,000 if paid privately — included free with the right plan.
A Spanish funeral arranged through Decesos network providers typically includes collection of the body, the service, coffin, transportation to cemetery or crematorium, the burial plot or cremation, urn or memorial plaque, and all administrative paperwork. The total commercial cost is typically €3,500-€6,000 if paid privately.
Yes — most Decesos plans cover either, and the family makes the choice at the time. Cremation is increasingly popular in Spain because it costs slightly less, takes less time, and removes the eventual issue of plot rental renewal. Some plans have a pre-set choice; others leave it open. We always confirm the plan flexibility before placing cover.
Yes — many British clients prefer to pay a single lifetime premium rather than monthly. A single payment locks in cover for life with no renewals. Indicative single-payment costs: €1,800-€2,800 for Spain-only at age 65; €3,500-€4,500 for Spain + UK repatriation at age 65. These are paid once and the cover never increases or lapses.
The standard entry limit for the Generali decesos policy is actuarial age 69 or under at the start date — the same ceiling as Generali term life. Above that age, acceptance is only possible by specific agreement with Generali, so call us and we will confirm what is available for your age. Existing serious illness does not prevent acceptance, only the 20-day carencia applies.
Not as its main purpose — and this is an important difference from life insurance. The Decesos plan is a service contract: the insurer arranges and pays for the funeral directly, so the family never faces the bill. The Generali policy conditions do contain two cash provisions: if the funeral service costs less than the sum insured, the difference is paid to the policyholder or heirs; and if the family arranged the funeral by other means, so the insurer could not provide the service, Generali pays the sum insured to the heirs instead.
There is a single 24/7 emergency phone number on the policy — usually printed on the back of an insurance wallet card. Your family calls that number; the insurer's dedicated funeral team takes over. Within 1-2 hours a funeral director arrives at the home or hospital, collects the body and begins arrangements. Family decisions are limited to: burial or cremation, choice of music, religious service if any, and notifications. Everything else is pre-paid.
No. Life insurance pays a lump sum to named beneficiaries who can use it however they choose. Funeral insurance is a service contract that arranges the funeral itself but does not pay cash. Many of our clients hold both — life insurance for family financial protection, plus a small Decesos plan for the actual funeral arrangements. The two complement each other rather than compete.
Spanish Decesos plans operate through national networks of funeral parlours — the largest is Servisa, linked to the major insurers including Generali. Network coverage is excellent throughout Spain including all of the Costa Blanca. The local funeral director (tanatorio) in Javea, Dénia, Calpe and surrounding towns will be in the network. Outside Spain (e.g. holiday in Italy), repatriation cover handles the international logistics.
Funeral plans paid for during life by the deceased are not part of the estate for Spanish inheritance tax (ISD) purposes — they are pre-paid services. This is a small advantage: a €4,000 funeral cost paid by Decesos does not reduce the estate, whereas a €4,000 cash withdrawal from the bank to pay a private funeral would have done. We are not tax advisers; consult a Spanish gestor for the full picture.
Yes — couple's policies are common and significantly cheaper than two individual policies (typically a 25-30% discount). Children up to age 14 are usually added free. Adult children would need their own separate policy. The contract names each insured life individually, so each life has independent cover regardless of order of death.
Mid-year cancellation of a monthly Decesos plan generally does not refund premiums already paid — they are non-refundable. Single-payment lifetime plans cannot be cancelled for refund after the 30-day cooling-off period. This is why we always recommend monthly-premium for clients uncertain of long-term Spanish residence, and single-payment only for committed long-term residents.
A funeral in Spain typically costs between €3,500 and €8,000 depending on the type (burial or cremation), the local funeral home (tanatorio), headstone, niche rental and administrative costs. Repatriation of remains to the UK, Ireland or the Netherlands adds €3,000–€8,000 on top. Without insurance, families must pay these costs immediately in cash — often within 48–72 hours while dealing with the shock of bereavement. A Generali decesos policy covers all of this directly with the funeral home, with no payment required from the family at any stage.
Yes. Generali decesos insurance in Spain is issued without any medical questionnaire or health examination. This is one of the defining features of Spanish funeral insurance compared to UK life insurance, which requires medical underwriting. The policy is available to new applicants up to age 69, with any health condition. There is a short standard waiting period of 20 days (during which only accidental death is covered), after which full cover applies. Premiums are fixed at inception and do not increase due to health changes.
Yes. Generali decesos includes repatriation of remains to any country in the world, including the UK, Ireland, Netherlands and Belgium. This covers the complete logistics: the tanatorio in Spain, transport by specialist hearse to the airport, air freight arrangements, and reception by a funeral home in the destination country. The family specifies their preferences at claim time. Without insurance, repatriation costs alone are typically €4,000–€8,000. The Generali policy handles all arrangements directly so the family does not need to coordinate across two countries while grieving.
In Spain a funeral plan and funeral insurance are the same product — the seguro de decesos. Unlike a UK "funeral plan" (which pre-pays a specific funeral director), a Spanish funeral plan is an insurance policy: you pay a monthly or annual premium and Generali arranges and pays for the entire funeral as a service when the time comes, through its nationwide network of funeral homes. It covers all costs directly — there is no lump sum for the family to manage and no large bill falling due during bereavement. Funeral plans in Spain require no medical questions and accept new policyholders up to age 69, which is why expats who cannot obtain medically underwritten life insurance often choose one. Call 966 461 625 for a free quote.
For most expats, the cheapest meaningful cover is a Spain-only burial or cremation decesos plan, from around €15/month, with the premium fixed at your joining age on the level (nivelada) tariff. Adding UK or Ireland repatriation raises it to around €25/month. Joining younger and choosing a level (fixed) premium rather than a natural (rising) premium keeps the lifetime cost down — and always compare cover levels and provider networks, not just the headline price.
Yes, provided the plan still delivers where you actually live. Cheap funeral insurance in Spain is good value when the insurer's funeral home network covers your town and the claims line is answered in English. Check the cover level, the network and whether repatriation is included before choosing on price alone. A low premium that leaves your family arranging and paying for the funeral is no saving at all.
The cheapest way to pay for a funeral in Spain is usually a monthly decesos plan started young. The premium is fixed at your joining age on the level (nivelada) tariff, so the lifetime cost is predictable. A single premium of roughly €1,800 to €4,500 can work out cheaper for committed long-term residents. Paying privately at the time is the most expensive route, at €3,500 to €6,000 for a Spain-only funeral and €7,000 to €12,000 or more with repatriation.

More questions? Contact us for free English-speaking advice — or call 966 461 625.

New to Spanish cover? Our guide to insurance in Spain for expats explains how protection policies, beneficiaries and claims work under Spanish law, and the Spanish insurance glossary defines the terms used in the policy documents.

How This Compares to the Competition

Honest comparisons help you make an informed choice. These figures are typical Spanish-market starting points and depend on age, area, cover level and individual circumstances.

Compare funeral insurance in Spain — Generali vs Mapfre vs Santalucía vs Ocaso vs Mémora, with 2026 prices →

Generali Decesos vs Santalucía and Ocaso

How Generali's funeral cover compares to the two market-leading specialist Spanish funeral insurers. Santalucía and Ocaso — both of which have been operating since the 1920s.

Feature Generali Decesos Santalucía Plan Familiar Ocaso Decesos
Maximum new-applicant age Up to 75 Up to 70 Up to 70
Medical questions at application None None Brief screening
Repatriation to UK / Ireland Included on Decesos Plus Included with international add-on Included with international add-on
Network of funeral homes 1,200+ Largest in Spain (3,500+) 2,800+
English-speaking handler Via Turner Insurance Limited Limited
Single-payment option Yes — pay once, covered for life Yes Yes
Monthly premium 60yo Spain-only ~€18/month ~€22/month ~€20/month
Monthly premium 60yo with repatriation ~€32/month ~€38/month ~€35/month

Comparisons are based on publicly available product literature and our experience placing policies across the Spanish market. Premium estimates assume a healthy applicant on the Costa Blanca with no significant claims history. Contact us for a personalised, like-for-like quote.

Sources & References

This page references the following official Spanish regulatory and legal sources. These are the authoritative bodies and laws governing insurance products in Spain:

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Cancellation rights. Annual contracts auto-renew under Ley 50/1980 Article 22. Cancellation requires at least one month's written notice before renewal.

Coverage Across Spain

Funeral Insurance Across Spain

We arrange funeral insurance for expats across Spain - including online and across the islands. Popular coverage areas include:

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