Deciding whether or not to get travel insurance that covers death and specifically the return of mortal remains to the funeral home is a very personal one. Here are some factors to consider:

1. Assess your current insurance coverage: Review your existing life insurance policy and any other insurance policies you may have. Determine if they provide coverage for death while traveling. If they do, you may not need additional travel insurance for this specific purpose.

2. Evaluate the risks: Consider the nature of your travel plans and the potential risks involved. If you are engaging in high-risk activities or traveling to a location with a higher risk of accidents or health issues, you may want to have assurance that includes coverage for death.

3. Consider your financial situation: Think about the financial impact your death while traveling would have on your loved ones. If you have dependents or significant financial obligations,  insurance that covers death may provide peace of mind and financial protection for your family during their time of morning.

4. Review the policy details: If you decide to get travel insurance that covers the return of your remains, carefully review the policy details. Understand the coverage limits, exclusions, and any specific requirements or conditions that need to be met for the coverage to be valid.

5. Consult with a funeral professional: If you are unsure about whether or not to get this specific travel insurance that covers death, consider consulting with an insurance professional. They can provide personalized advice based on your specific circumstances and help you make an informed decision.

Ultimately, the decision to get travel insurance that covers death is a personal one. Over 80% of people travel more then 100 miles from home at least once a year. It depends on your individual circumstances, risk tolerance, and financial situation. Consider the factors mentioned above and make a decision that provides you with peace of mind and meets your needs.