Animal Insurance

For horse and cattle farmers

Animal Insurance

For horse and cattle farmers

Horse or cattle farmers have a large portion of their capital invested in their animals. However, unfortunate events do not need to result in financial losses if you insure yourself against accidents and illness to protect your operating income.

Who is this insurance intended for?

  • KBC Animal Insurance is exclusively intended for horse and cattle farmers, i.e. not for horse and cattle traders
  • Cattle herd cover is intended for dairy farms

What is insured?

Individual horses or individual cattle

The insurance covers death or emergency slaughter, loss, permanent loss of value, and veterinary treatment, on condition that the cause is one of the following:

  • Accident
  • Illness
  • Chronic lameness (only in the case of horses)

Optional cover: theft

Herds of cattle

Cover is provided for death or emergency slaughter due to an accident or illness.

Optional cover: theft

What is not insured? Most important exclusions:

  • Exacerbation of the situation due to illnesses or disabilities affecting the animals concerned prior to the claim event
  • Illnesses whose control is regulated by the government

Additional information

A 60-day waiting period applies for illness and chronic lameness cover. That means that the policy does not apply if the illness or chronic lameness occurs within 60 days of the commencement of the policy.  

Things you also need to know

  • This is a form of property damage insurance
  • A 60-day waiting period applies for illness and chronic lameness cover.
  • 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 principal renewal date.
  • Your intermediary is your first point of contact for any complaints you may have. If no agreement can be reached, you can contact KBC Complaints Management by post at Brusselsesteenweg 100, 3000 Leuven,, tel. 016 43 25 94. If no satisfactory solution can be reached, you can contact the Insurance Ombudsman at de Meeûssquare 35, 1000 Brussels, or, which serves the whole industry. Alternatively, visit
    However, you always retain the right to initiate legal proceedings.

Contact your KBC insurance intermediary to request a quotation for this insurance

The KBC Business Property 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 authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC group

For a concise description of the cover, the most important exclusions and other useful information, please refer to the product fact sheet.

Make an appointment at KBC

Make an appointment with your agent or branch
Opening hours: Monday to Friday from 8 a.m. to 10 p.m. Saturday from 9 a.m. to 5 p.m.

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