Your travel insurance
- Insure yourself one trip or for all your trips during 1 year
- Personalise your insurance with add-on options
- Get assistance and submit claims 24/7, wherever you are
Customise your own insurance with these add-ons
Customise your own insurance with these add-ons
What does travel insurance entail?
This type of insurance covers you for loss, damage and/or injuries when travelling. Suppose your luggage is stolen or you are admitted to hospital. Or you have to cancel your trip due to the death of a family member. With travel insurance you don’t need to worry about the financial consequences if anything happens to you.
For whom is travel insurance useful?
If you enjoy travelling or go on city breaks regularly, travel insurance gives you the protection you need. If you are travelling with family or friends, you can add up to 10 people to your policy, even if they don’t live with you.
Your travel assistance insurance will reimburse the cost of your:
- Hospitalisation
- Repatriation
- Forced extended stay
- Transfer of family members
Covered
Personal assistance cover provides compensation for things like medical expenses you incur while travelling abroad
- Hospitalisation, repatriation, forced extended stays, transfer of family members, etc.
- Medical expenses abroad up to 500 000 euros per person
- Personal assistance cover is valid worldwide
Not covered
- Complications occurring after the second trimester of pregnancy, and childbirth expenses
- Complications related to, or worsening of, an existing illness if you have not followed the treatment prescribed
- Participation in the paid or profitable practice of sports, including training
- Participation in extreme outdoor activities where the conditions or level of difficulty involved pose a potential danger to the insured person’s life (examples include base jumping, heli-skiing and wreck diving)
If you are forced to cancel your travel plans or cut your trip short due to medical, professional or personal reasons, your cancellation insurance reimburses the additional costs you have to incur or cannot recover in any other way.
Covered
The following events are valid reasons for cancelling your trip or returning home prematurely:
- Health-related reasons, such as illness, an accident or death
- Work and study, such as examination resits or dismissal
- Government and travel formalities, such as a call for jury duty
- Missed aeroplane, boat or train: for example, an unexpected delay of the booked transport by at least 48 hours
- Cancellation insurance is valid worldwide
Not covered
- Events you were already aware of before you booked the trip or took out the insurance that mean that the cancellation is not unexpected
- Complications related to, or worsening of, an existing illness that can be regarded as a normal part of the illness, which were known when you booked the trip
- Epidemics
If your mobile phone is damaged or your camera is stolen, luggage cover provides compensation for any items stolen or damaged, or lost by the transport company.
Covered
The following events whilst travelling are covered:
- Theft involving violence or threat of violence, or a break-in to a vehicle or the place where you are staying
- Damage or destruction caused by a sudden and unexpected event, such as a collision
- Failure by the transport company to deliver your luggage or luggage it delivers damaged
Not covered
- Damage caused solely by use
- Damage caused by cleaning, processing or repair
- Damage you cause intentionally
- Damage caused by the paid or profitable practice of sports, including training for such sports
If you have you been the victim of an accident whilst travelling, travel accident cover provides compensation if you sustain permanent injuries or die.
Covered
- Compensation if you sustain permanent injuries or die
Not covered
- Accidents that occur as a result of participation in extreme outdoor activities, such as base jumping, heli-skiing or wreck diving
- Participation in paid or profitable sports, including training for such sports
When you are planning a trip, you will likely have to conclude a number of temporary contracts. Should a disagreement arise relating to any of these contracts, this could lead to a legal dispute. We offer you legal assistance and support in disputes involving parties such as local authorities, travel agencies, rental companies and other service providers. The associated costs are insured up to an amount of 50 000 euros per claim for all insured combined.
Taking out travel disputes cover is only possible if you log in to KBC Brussels Touch or KBC Brussels Mobile. Your trusted KBC Brussels branch, KBC Brussels insurance agent or KBC Brussels Live will also be happy to help you.
Covered
Travel disputes cover provides you with legal assistance and support while you are travelling, or in relation to the trip you have booked. The following events are covered:
- Disputes with tour operators, rental companies, repair companies and other service providers
- Problems involving police and government authorities abroad
Not covered
- Disputes between individual insured persons
- Travel for medical purposes and scheduled medical treatment abroad and the potential resulting complications or follow-up treatment required in Belgium
- Time-shares
Where does travel insurance apply?
If you are travelling to the US, Russia or Turkey, travel insurance will cover you. You can also take out cover for trips to long-haul destinations.
These costs are not covered by our cancellation insurance policies. You should contact the travel agency, tour operator or airline to ask them whether you can get a refund or change or postpone your trip. The European regulations impose specific obligations on airlines based in the European Union.
You will find more information about your rights when an airline cancels your flight on the website of the Federal Public Service Economy (‘FOD Economie’ – available in Dutch and French).
These costs are not covered by our cancellation insurance policies. You should contact the travel agency, tour operator or transport operator to ask them whether you can get a refund or change or postpone your trip. There are statutory protections in place for package holidays.
You will find further information about your rights when cancelling a package holiday on the website of the Federal Public Service Economy (‘FOD Economie’ – available in Dutch and French).
You will receive compensation for the additional accommodation costs if you are forced to stay at your destination longer than expected on account of illness, an accident or quarantine (even if you don’t show any symptoms).
This is subject to a maximum of 7 days, and the sum insured is 75 euros per person per day.If you selected the VIP option in the KBC Travel Insurance or the KBC Holiday Insurance, the sum insured will be doubled to 150 euros per person per day for a maximum of 7 days.
If the tour operator covers these charges, you will not be entitled to travel assistance.
In this case, you should contact the airline.
You will also find more information on the website of the Federal Public Service Economy (‘FOD Economie’ – available in Dutch and French).
Good to know
- The insured persons must reside in Belgium and have their principal residence there
- You can easily take out personal assistance cover, luggage cover and extra-protection travel accident cover, even up to the day before you depart. Travel disputes cover cannot be taken out online
- Cancellation cover must be taken out at least one month before the departure date
- This product is governed by the laws of Belgium
Insurance cover under this policy is valid for a term of one year and will be tacitly renewed, unless it is cancelled no later than three months before the principal renewal date - Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management: Brusselsesteenweg 100, 3000 Leuven: complaints@kbc.be, tel. 016 43 25 94. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be. This does not affect your legal rights.
Contact your insurance expert or visit our website to request a quotation for KBC Travel Insurance.
KBC Travel Insurance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company licensed by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium, for all classes of insurance under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979).
Member of the KBC Group.