Set off on holiday with peace of mind
Having the right insurance cover means you can set off for your trip feeling confident that you’re prepared for any setback, whether it’s an accident, illness, theft or property damage. But what kind of insurance do you need? Take a look at your options and pick only what you need.
Avoid being double insured. When you work out your insurance in KBC Mobile or KBC Touch, we’ll show you what you’re already covered for, so you can decide which insurance products are right for you.
Your travel insurance at a glance
Personal assistance cover: your financial safety net in the event of an accident or illness
Your travel assistance insurance will reimburse the cost of your:
- Hospitalisation
- Repatriation
- Forced extended stay
- Transfer of family members
Travel assistance insurance may even be worthwhile if you already have hospitalisation insurance.
If you are admitted to hospital outside the European Union, some hospitalisation insurance policies only reimburse a limited portion of your medical expenses. It’s best to check this with your insurer before you leave.
Travel assistance insurance with KBC offers the same maximum compensation limit worldwide.
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)
Travel accident cover: protection against long-term consequences
To ensure you are covered in the event of an accident resulting in permanent disability or death, we recommend taking out extra-protection travel accident cover.
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
Luggage cover: compensation in the event of loss, damage or theft
If your luggage is lost or damaged by a carrier or is stolen, you are reimbursed up to an amount of 1 500 euros per person.
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
Cancellation insurance: change your plans free of charge
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.
You can be reimbursed for the cost of:
- Your trip
- Cancelling your holiday stay
- Rebooking tickets
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
Travel disputes cover: for when you need financial and legal support
We offer legal support and assistance in disputes with parties such as:
- Local authorities
- Tour operators
- Rental companies and other service providers
The associated costs are covered up to an amount of 50 000 euros per claim for all the insured combined.
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
Temporary travel insurance: for a single trip
If you only go on holiday once a year, you can take out travel insurance for the duration of your trip as long as it’s not for more than 120 days. Long-term travel insurance is often the cheapest way to ensure that you are fully covered for all of your trips.
Long-term travel insurance: for all your trips over a one-year period
If you take multiple trips over the course of a year, then long-term travel insurance is the ideal solution. Knowing you’re covered for all your trips over a one-year period provides you with peace of mind and the freedom to set off on holiday whenever you like.
Setbacks can occur any time, any place. Therefore, our assistance helpline is available for you 24 hours a day, seven days a week. Just call + 32 16 24 24 24. If you would rather report your claim to your KBC contact, use KBC Mobile to quickly get in touch with your KBC Insurance agent, no matter where you are, and you will immediately get the assistance and support you need.
You can choose for a higher travel insurance compensation limit with our VIP option. You receive the same cover under the insurance you opted for, but with twice the sums insured and compensation limits. The amount of your deductible remains unchanged.
When you work out your insurance in KBC Touch or KBC Mobile, you get an overview of the insurance products you’ve already taken out with KBC and any possible similarities with the optional cover in your travel insurance policy.
For example, if you have a KBC Credit Card, you might already have travel cancellation insurance. This way, you can easily adjust your selection and avoid double insurance.
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.
