Travel insurance to protect against non-traveling person death

Upvote:-1

I have seen policies that do provide for a return trip when a close enough relative dies. I can't quote the exact language, but if it is English and that's your native language, it was plain enough. The one I purchased cost 4% of the airfare I had paid for the trip.

Upvote:2

For such specific requirements, your best bet is to work with an insurance broker to tailor an insurance policy with the wording you require - most brokers will work with underwriters to get such bespoke policies underwritten and thus you can be assured that your exact and specific situation is indeed covered.

However, for an insurer to cover a situation which is considered likely, you will be paying a hefty premium - most insurers will exclude claims where the death of a non-travelling family member is due to an existing and known condition. You will have to convince the insurer that it is worth their while to issue cover, and the only way to do that is to pay an increased premium.

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