What to do when someone dies in Spain?
Twice within the last year, someone we know in Spain has died. In both cases they were people we interviewed in our “Ask an Expat” series. And in both cases they died much younger than they should have. In one of the cases, the spouse ended up moving back to Canada and had to deal with a lot of complications with Spanish authorities.
It made us think. What if either one of us died tomorrow? What do we do? How do we prepare?
I don’t have first-hand experience with someone dying in Spain (knock on wood). But I did a lot of research for this post so I’ll tell you everything I learned. Besides telling you how the process works, I cover what the average cost of a funeral should be and cover a few things you can do to prepare yourself for the death of yourself or a loved one.
Note: if anyone reading this has first-hand experience with someone dying in Spain, I would be incredibly grateful if they left a comment at the bottom of this post. I know people like to comment on Facebook, but if you comment below then everyone can see it and can benefit from your experience. Thank you!
Place of Death (and how it determines what you do)
Death in a hospital
If you die in a hospital, the medical staff will take care of most of the arrangements including contacting a funeral home. If you have a funeral home in mind (maybe you have a pre-paid Funeral Plan?), then make sure to let them know. But otherwise, they’ll contact a funeral home on their list of funeral homes.
The hospital will issue a Medical death certificate (Certificado Médico de Defunción). This document is essential for registering the death and obtaining the necessary permits for burial or cremation (to be covered below).
Death at home
If someone dies at home, you should call the emergency number 112 or 092 (municipal police).
Request a doctor when calling the emergency number. The doctor will certify the cause of death and issue the Medical death certificate (the Certificado Médico de Defunción).
A funeral home will be contacted to remove the body (again, if you have a designated funeral home you can call them. Otherwise the police or medical authorities will contact one for you).
Funeral home
Whether deceased in a hospital or at home, the body will end up at a funeral home. The staff there will lead you through the process.
Registering the death. In most cases, it is the funeral home that will register the death. To do that, they take the Medical Death certificate (Certificado Médico de Defunción) to the local Civil registry which is usually at the town hall. This is usually done within 24 hours of the death.
(In some cases, you can also register the death. This is rare though. You’ll need the Medical Death certificate, the deceased’s passport, and your own identification).
Once the death is registered, The Civil Registry will issue a Death Certificate (Certificado de Defunción), which might take 7 – 10 days (but that doesn’t stop burial/cremation proceedings which can be carried out once the death is registered).
Note that you should get various death certificates; a standard Spanish death certificate (written in Spanish) and an International Death Certificate (written in a number of languages including Spanish and English). Again, the funeral home will most likely arrange these for you but you can also get them yourself at the Civil Registry, they are free of charge. They can also be obtained online.
Once the death has been registered, the funeral home can proceed with burial or cremation (see my note below). This is usually done within 24 – 48 hours of the death.
But there are some things you should know:
Cremation: If the deceased is to be cremated, you will need to obtain a Cremation Permit (Permiso de Cremación) from the same Civil Registry office that issued the Death Certificate.
If cremated, you will receive the deceased’s ashes in an urn. Scattering ashes in Spain is usually illegal. You should check local regulations where you are or consult with the funeral home.
Repatriation
What if you want the deceased’s body buried or cremated in their home country?
Again, you have to work with the funeral director and it can be complicated and dependent on the requirements of your home country. You have to contact your local consulate (which you should do anyway, even if not considering repatriation).
Note that if the deceased does not have any family members living in their home country, they may not be able to return home at all.
Assuming all goes well, you will require the following documents from Spanish authorities if you want to repatriate the body back home: the Death Certificate, Medical Death Certificate, Embalming Certificate if applicable (Certificado de Embalsamamiento), and a Repatriation Permit (Permiso de Repatriación).
Please note though that repatriation of a body can be expensive and complicated.
Contact your Consulate
I mentioned above that you have to contact your home consulate in the case of repatriation.
Otherwise you don’t have to contact your consulate…but you should. They can help you with local contacts and can also help you with certain documentation in your home country that may be required.
The Cost of a Funeral in Spain
The average cost of a funeral in Spain is around 3,700 Euros. That includes about 1,200 for a coffin, 650 for cemetery fees, 550 for the funeral home and about 1,300 for all the miscellaneous odds and ends that come with a funeral (obituaries, floral arrangements, funeral vehicle, etc..).
The average cost of cremation in Spain is just slightly less, around 3,600 Euros. Direct cremations without a chapel service will usually cost about 2,000 Euros.
Planning ahead
As an Expat/Immigrant in Spain, you should plan ahead to ensure a smooth process.
Make a Will. If an expat dies in Spain and there is no will or trust, then their estate in Spain* will be distributed according to Spanish inheritance law. This means that everything they own goes to their closest relatives; if there are no surviving family members left behind then everything goes to the government.
*I specify in Spain because a Will made in Spain will only cover assets in Spain. Assets in your home country should be covered by a Will in your home country.
I mentioned at the top a Canadian couple who didn’t have a Will in Spain. They had assets in Spain including a purchased home and not having a Will created a lot of headaches. If you have assets in Spain, make sure to get a Will drawn up.
Pre-paid Funeral Plans. You may want to organize your funeral before you die so that your family doesn’t bear the costs involved with your funeral. Many funeral homes offer plans. And this way, when you die, you already have a funeral home selected which makes all arrangements just a bit easier. Also, if your Spanish isn’t great, it allows you to choose a funeral home where they have service in English.
Funeral Insurance Policies are something else people contract. Again, their goal is to cover the costs of a funeral so that family doesn’t have to pay for it.
Make your wishes known and put in writing. Always make sure that next of kin know your wishes, burial/cremation, religion if required, music etc. Never store it amongst documents as they are rarely discovered until houses are cleared or probate done, weeks after the funeral. A simple email ‘in the event of my death’ is the best option so that it can be found quickly if needed.
The above are the broad strokes that anyone living in Spain should be familiar with to be ready for the untimely death of themselves or loved ones. It’s a depressing subject but knowing what to expect and planning ahead is necessary to make the process easier when it happens.
Many thanks to Neal at Funeral Care Spain who contacted me and corrected a few of my errors. Very much appreciated.
Steve
As in the UK, if you find a neighbour dead, don’t sign anything or you will end up paying for the funeral
Beverley Bates
Really informative information on this post. Thank you very much! 🙏
Stephanie Smith
My recent experience could be of some help. Sadly my husband died unexpectedly in his sleep at the beginning of this year. He had heart bypass surgery in Spain two years ago and has been under a Spanish Cardiologist for over 20 years. We had taken out fully paid up funeral plans way back in 2017. This proved invaluable. One call sorted everything. Apart from it being a National Holiday and Three Kings the initial contact person suggested we call 092. This was carried out. We live in the campo and therefore the Guardia Civil arrived after 3 Policia Local cars. The former wished to see our TIE cards. The Policia Local were brilliant. Very caring and the six of them stayed until the ambulance and crew with a doctor arrived to sign the certificate. (Presumably a possible crime scene until proved otherwise)
The funeral home were brilliant too. Very caring . We had an English Celebrant. The Spanish who attended thought that the service was excellent as is so, so different to the Catholic ones we have been to locally. The director event brought the flowers to the house on the evening of the cremation service. He also brought the urn (and a miniature one) to the house. Both had carrying cases and International Certificates. The miniature one went back to the UK with no problem what so ever with daughter and son in law. I was given 4 International death certificates and 4 Literals. These are issued free of charge. I have only recently found out that the death certificates have a life of only 3 months. I had to go to the Civil Registry in the local court house last week to ask if they would issue a “wet stamped” one (which they did) as The Isle of Man Court, for Isle of Man Probate, as he held a couple of none joint bank accounts there, refused the first one as they believed it needed a stamp. It doesnt , but didnt argue. Have posted it off and hope they will accept this one. If you have a joint Spanish bank account. You go in and open an account in your own name and transfer 50% of the account over. THEN a few days later take in the death certificate and the remainder of the joint account will be frozen. They will require a copy of the will and escritura (Sabadell) Eventually they will require proof that Inheritance Tax has been paid and some other paperwork that my Spanish solicitors accountant sent to them, to unfreeze that account. We both have /had UK wills ( written to include English Law applicable) and Spanish Wills. Mine has since been rewritten for obvious reasons. Any UK Power of Attorneys need possible cancellation or revision depending upon how they have been written. The longest wait was for UK Probate to be processed. They appear to have about a 4 to 6 month back log. Thankfully things are now starting to all fall in place .Be prepared for LOTS of paperwork. The very best advise that I can give anyone is be prepared. We had a small A5 ring binder and have done for many, many years. . It contains all up to date bank account details. Account numbers and contact phone numbers and addresses. Same for Premium Bonds, Shares, Bonds , ISAs and all in particular pensions. At such an awful distressing time, this has proved invaluable. DWP were brilliant. All dealt with in one phone call. It was interesting to find out that as we were a married couple they have both of our State Pension details cross referenced. Pensions do not fall under UK Probate, as such, but have to be reported for records purposes.
Frank
Hi Stephanie. It is very kind of you to go into all this detail considering you are just getting over the loss of your husband. Thank you so much, it is VERY helpful and I really appreciate it. I didn’t realize that the death certificates only have a life of 3 months (why? it’s not like a dead family is suddenly going to come back to life) but, as you say, easy to get a new one.
Interesting about all the detail and paperwork. I keep an excel spreedsheet that contains almost all contact details, passwords etc just in the event that something happens.
Thank you again Stephanie!
Lesley
very informative, good to know for the future
Frank
Thanks Lesley. Sometimes I write a post just for ourselves so WE know what to do. Glad if others find it helpful.
Sally Snelgrove
Thank you, such an important article. We’ve lost 3 people in Spain this year but all had close next of Kin to deal with the issues. Good to see it clear. We don’t have assets in Spain but still have a Will from here.
Frank
Thank you Sally 🙂