Compare Funeral Insurance in Spain — Decesos Quotes for Expats
By Andrew Turner — Generali exclusive agent in Jávea since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026
The English-language guide to comparing funeral insurance (decesos) in Spain in 2026 — Generali Decesos vs Mapfre vs Santalucía vs Ocaso vs Mémora, level vs natural premium, repatriation cover for British and Irish expats, and how to get an English-language quote with no medical questions.
Get a Free Funeral Insurance Quote →Generali Decesos vs Mapfre vs Santalucía vs Ocaso vs Mémora
| Insurer | Costa Blanca funeral network | English claims | UK/Ireland repatriation | vs Generali price |
|---|---|---|---|---|
| Generali Decesos | Strong national network | Yes — via Turner | Yes — included on Premier plan | Baseline |
| Mapfre Decesos | Strong national network | Spanish-first | Yes — add-on | Comparable |
| Santalucía | Largest decesos network in Spain | Spanish-only | Yes — add-on | 5–10% lower |
| Ocaso | Strong on Costa Blanca | Limited | Yes | Comparable |
| Mémora | Funeral-home group, integrated | Limited | Yes | 5–15% lower |
For British, Irish and Dutch expats the strongest combination is Generali Decesos Premier with the repatriation extension. Our main Funeral Insurance Spain page covers Generali Decesos in detail.
Level vs natural premium
The single biggest decision when buying a Spanish decesos plan:
- Level premium (prima nivelada) — the premium is fixed for life from day one. You pay a slightly higher monthly figure at the start, but it never rises. This is Generali's standard product.
- Natural premium (prima natural) — the premium starts very low (sometimes €5/month at age 50) but rises every year as you age. By age 80 the natural premium can be 3–5x the equivalent level premium. Most Spanish bank-bundled funeral plans use natural premium.
For most expats over 50, level premium is the right choice — the certainty of a fixed cost for life outweighs the small upfront saving of natural premium.
Repatriation cover for British and Irish expats
Repatriation cover pays for international embalming, sealed metal-lined coffin, all consular paperwork, transport to a UK or Irish airport, and onward transport to a funeral director at home. Without it, repatriation costs the family €4,000–€8,000 out of pocket. Generali Decesos Premier includes full repatriation as standard; Mapfre, Santalucía and Ocaso offer it as a paid add-on (€5–€15/month extra). For UK and Irish expats this is the single most important add-on.
What affects your Spanish funeral insurance premium
- Age at entry — the biggest driver. Earlier entry locks in a lower lifetime premium on level-premium plans.
- Repatriation included or not — adds €5–€15/month to most plans.
- Level vs natural premium choice — level is typically 30–60% higher at age 50 but doesn't rise.
- Coffin and ceremony tier — basic, standard or premium — cheaper or more elaborate.
- Country of repatriation — UK and EU countries cheapest; rest of world adds loadings.
Frequently asked questions: comparing funeral insurance in Spain
How can I compare funeral insurance in Spain to find the best price?
Match the cover tier (basic, standard, premium), repatriation inclusion and premium type (level vs natural) across quotes. Decesos products are surprisingly similar across major insurers; the main differences are English-language service and the network of funeral homes available.
Which is the best funeral insurance in Spain for expats?
For UK, Irish and Dutch expats the strongest combination is Generali Decesos Premier with repatriation, through a Spanish exclusive broker. English documents, English claims, full repatriation, no age limit and no medical questions.
How much does funeral insurance cost in Spain in 2026?
Level premium from €15–€25/month at age 50; €25–€40/month at age 65 with repatriation; €40–€65/month at age 80 with full repatriation. Premium type matters — level stays fixed for life, natural rises with age.
What's the difference between level and natural premium?
Level premium is fixed for life from day one — the premium you pay at 50 is the premium you pay at 90. Natural premium starts very low but rises every year. By age 80 natural premium can be 3–5x the equivalent level premium.
Is repatriation cover worth it for British and Irish expats?
Yes — without it the family pays €4,000–€8,000 out of pocket to repatriate the body. With it the insurer arranges everything including international embalming, sealed coffin and consular paperwork. Adds €5–€15/month on most plans.
Do I need a medical examination for funeral insurance?
No — funeral insurance is unique among Spanish insurance in requiring no medical questionnaire and accepting any age. The trade-off is a typical 6-month carencia (waiting period) at the start of the policy, after which all causes of death are covered.
How does a Spanish funeral plan actually pay out?
The family calls the insurer's 24-hour helpline; the insurer dispatches a funeral director from the local network; the funeral home handles collection, paperwork, service, burial or cremation; the insurer pays the funeral home directly. The family pays nothing and arranges nothing.
Sources & references
- Ley 50/1980 de Contrato de Seguro
- Dirección General de Seguros (DGSFP)
- UNESPA — Spanish decesos market data.
Related guides & insurance products
- Main Funeral Insurance Spain page
- Funeral Insurance Spain Expat Guide
- Life Insurance Spain
- Inheritance Tax Valencia
Get a free Spanish funeral insurance quote in English
No medical questions, no age limit, repatriation included on Generali Premier. From our Jávea office.
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This guide is general information, not personalised insurance advice. Premium ranges are 2026 indicative figures; your specific quote depends on age at entry, premium type (level vs natural), repatriation and cover tier. For current pricing contact Turner Insurance.