Insure your cat or dog
- Costs are paid directly to the vet
- Up to 90% of costs are reimbursed
- Your claim will be handled within 24 hours
- Two months’ free insurance
Only the best for your pet
Since your dog or cat is your best friend, you want the best possible care for them if they fall ill or need medical attention. Thanks to our partnership with PetExpert, you can now take out insurance for your dog or cat to ensure you’re covered should veterinary expenses start mounting up.
PetExpert will handle your claim within 24 hours and cover up to 90% of the treatment costs for your pet’s injuries and illnesses, making payment directly to the vets in their partner network. This means you’re never left on your own to pay for your pet’s care.
Contact your KBC Insurance agent to learn more and get two months’ insurance for free!
Insurance for your dog or cat: three insurance policies to choose from
Depending on your needs, you can choose between three types of insurance policy:
1. Premium: standard insurance that covers veterinary expenses
2. Plus: the same benefits as Premium insurance, plus add-on cover for the cost of recovering your dog or cat if they are stolen or go missing
3. Extra: the same cover provided by Plus insurance, plus add-on cover in the event of loss, theft or death
Covered
Cover for pets’ injuries and illnesses
• Veterinary treatment by a veterinarian from the partner network needed as a result of an injury or non-chronic illness of the insured pet
• The first diagnosis of a chronic illness arising during the insurance period
• The additional cost of certain veterinary treatments recommended or prescribed by the vet, such as acupuncture, homeopathy and hydrotherapy
Depending on the insurance policy chosen, the following forms of cover are included:
1. Cover for the loss or theft of a pet
• Theft or loss of the insured pet if they are not found within 30 days of them being reported stolen or lost, provided that you have reported the theft or loss to the local police.
2. Cover for expenses knowingly incurred in order to find a lost or stolen pet
• Expenses knowingly incurred in order to find a lost or stolen pet, such as advertising costs and reward money.
3. Death cover
• If the insured pet dies or the vet decides that the insured pet should be put down as a result of an illness or injury due to any cause whatsoever as it was inhumane to keep the pet alive since the injury or illness could not have been treated effectively.
Not covered
Exclusions that apply to all forms of cover
• Pre-existing injuries or illnesses that you were or should have been aware of upon signing up to the insurance
• Certain illnesses in dogs such as rabies (unless your dog has been vaccinated against these illnesses throughout the insurance period)
• Certain illnesses in cats such as feline immunodeficiency virus (unless your cat has been vaccinated against these illnesses throughout the insurance period)
Cover for pets’ injuries and illnesses
• Costs incurred relating to vaccination, castration, cosmetic treatment, etc.
Different waiting periods apply for each form of cover. The complete list of exclusions and waiting periods can be found in the general conditions.
Compensation and deductible
The sums insured per insured event and the compensation limit applicable per insurance year for all insured events combined may differ depending on the insurance policy chosen and are specified in the membership document.
In case of loss or theft of the insured pet, you will receive compensation in the amount of i) the purchase value of the pet; or ii) the standard market value if you are unable to submit proof of purchase of the insured pet.
Only the cover for pets’ injuries and illnesses involves a deductible, which is 10% of the costs eligible for reimbursement, subject to a minimum of 40 euros per insured event.
Good to know
PetExpert Insurance is a form of non-life insurance that offers you financial relief when you’re suddenly faced with vet bills, including for treatment of injuries, illnesses, operations, aftercare, hospitalisation, and medication or related expenses. This insurance is provided in partnership with KBC Insurance NV.
• This product is governed by the laws of Belgium.
• The insurance is for a term of one year and is tacitly renewed unless it is cancelled no later than three months before the main renewal date.
For policies taken out or tacitly renewed on or after 1 October 2024, you have up to two months before the main renewal date to cancel them. As from the second insurance year, you can cancel your insurance at any time, with effect after two months have elapsed from the day after the registered letter was submitted for delivery, the writ was served or the date of the acknowledgement of receipt.
• PetExpert Belgium BV, Sint Michielslaan 65/6, 1040 Brussels, Belgium is your first point of contact for any complaints you may have. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: Ombudsman van de Verzekeringen, de Meeûssquare 35, 1000 Brussels, www.ombudsman-insurance.be. This does not affect your legal rights.
• Please go to www.petexpert.be or contact PetExpert by phone on + 32 2 781 01 08 if you would like to request a quote for PetExpert Insurance.
• PetExpert Insurance is a product provided by 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
Read this information carefully before taking out this insurance
Interested?
If you’d like to learn more, contact a KBC Insurance agent near you and get two months’ insurance for free!
To read more about the conditions applying to this insurance and what exactly is covered, feel free to go to the PetExpert website.
