Worry-free travel at all times

KBC Travel Insurance

Worry-free travel at all times

KBC Travel Insurance

Year in, year out

Whether you make just one trip a year or many more, KBC Travel Insurance enables you to travel worry-free all year round.

For up to ten people

You are free to determine whom the policy covers, and can take it out for up to ten people.

Choose your own cover

You decide which of the five forms of cover offered under the policy you need.

Why choose Travel Insurance?

Holidays are a time for stress-free relaxation, but what if you have to cancel your trip, you become ill, are injured, or your luggage is stolen?

In these situations, KBC Travel Insurance gives you extra peace of mind. Take out the policy today and enjoy cover for all of your trips for a period of one year

VIP option

Our standard Travel Insurance policy offers extensive and generous cover. If you choose the VIP option, you can extend the policy:

· with doubled insured sums;

· with doubled compensation limits;

without needing to increase the deductible

What cover can you take out?

Business travel option

The personal assistance cover insures both your private and business travel, while the other forms of cover under the policy only insure business travel. However, you can extend the other forms of cover by choosing the ‘business travel’ option.

Business travel is travel connected with a business or the execution of a profession.

Personal assistance cover

What is it?

Personal assistance cover is primarily for health issues that occur during travel, either through illness or accidents. If you have to return home due to a particular event, this is also covered.

What is insured?

  • llness and accidents and the consequences thereof, such as repatriation, hospitalisation and a forced extended stay
  • Medical expenses incurred outside Belgium are reimbursed up to 500,000 euros per insured person
  • If you choose the VIP option, the sums insured will be doubled

What is not insured?

  • 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,  i.e. outdoor activities where the external 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

Additional information

  • You can count on rapid, professional assistance, 24/7
  • The personal accident cover is valid worldwide, regardless of the form of transport used
  • We will refund any communication expenses you incur abroad at our request, along with any fees charged to you when we phone you at your destination

Cancellation cover

What is it?

Cancellation cover insures you in cases where you have to cancel a trip unexpectedly. It compensates you for the fees you cannot recover or have to incur if this happens, or if you have to return home prematurely.

What is insured?

The following events qualify as valid reasons for cancelling your trip or returning home prematurely

  • Health-related reasons, such as illness, an accident or death
  • Studies and work, such as exam resits or redundancy
  • Government and travel formalities such as a call for jury duty or a travel warning or travel alert issued by the Belgian Ministry of Foreign Affairs after the trip was booked
  • A missed aeroplane, boat or train: unexpected delay of the booked transport by at least 48 hours, etc.

What is not insured?

  • Events you were already aware of before you booked the trip or took out the insurance that mean that the cancellation cannot be considered 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 the trip was booked

Additional information

  • It is impossible to list all the situations for which a cancellation might be justified. We therefore offer you additional peace of mind by accepting any event not specified that is a force of nature completely beyond your control. If you choose this option, you will be expected to contribute 25% of the insured expenses.
  • We provide cover up to 12,500 euros per trip for all of the insured persons combined. If you choose the VIP option, the sums insured will be doubled.
  • This cover is valid for travel all over the world.

Luggage cover

What is it?

Luggage cover is a form of non-life insurance against theft of or damage to your luggage, or loss of your luggage by the transport company.

What is insured?

The following events are covered if they occur during your trip

  • Theft involving violence, threats or a break-in from a vehicle, the place where you are staying or your person
  • 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

Your luggage and any items you rent or use free of charge while on your trip will be covered up to 1,500 euros per insured person. If you choose the VIP option, the sums insured will be doubled.

What is not insured?

  • 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

Additional information

  • We cover the expenses incurred to replace credit or payment cards, ski passes, visas, passports and other travel documents
  • We will subtract a deductible of 100 euros per claim from the compensation you receive
  • Additionally, if your luggage is not delivered to your foreign travel destination within four hours of your arrival, we will reimburse up to 250 euros per insured person for expenses related to the emergency purchase of substitute clothing and personal care items

Extra-protection travel accident cover

What is it?

Extra-protection travel accident cover insures you for expenses you incur due to an accident during your trip.

What is insured?

If you have an accident during your trip, we will pay the following

  • Compensation in the event of permanent disability
  • Compensation in the event of death

The maximum compensation in the event of permanent disability is 100,000 euros. The compensation in the event of death is 10,000 euros. We will also reimburse up to 10,000 euros for the funeral expenses actually incurred.

If you choose the VIP option, the sums insured will be doubled.

What is not insured?

This cover does not provide insurance in the following cases

  • Accidents that occur during participation in extreme outdoor activities, including base jumping, heli-skiing and wreck diving
  • Participation in paid or profitable sports, including training for such sports

Additional protection abroad

If, as a vulnerable road user, you are the victim of a collision in Belgium involving a motor vehicle, you will be entitled to a higher level of compensation. This does not apply outside of Belgium. However, KBC will supplement the compensation you receive for permanent disability or death up to the level that is customary in Belgium. This additional protection also applies if, as the driver of the motor vehicle concerned, you are not liable for the collision.

The additional protection provides cover of up to 250,000 euros per insured person.

If you choose the VIP option, the sums insured will be doubled.

Travel disputes cover

What is it?

Travel disputes cover is a form of legal assistance insurance that provides you with legal assistance and support while you are travelling, or in relation to the trip you have booked.

What is insured?

  • Disputes with tour operators, rental companies, repair companies and other service providers
  • Problems involving police and government authorities outside Belgium

If you use our legal assistance services, we will always aim to reach an amicable settlement where possible. We will support you both during the court proceedings and out of court, for instance, through the travel disputes committee.

We provide compensation of up to 50,000 euros per claim for all of the insured persons combined. We don’t charge for our own management fees.

What is not insured?

  • Disputes between individual insured persons
  • Travel for medical purposes and scheduled medical treatment outside Belgium and the potential resulting complications/additional treatment required in Belgium
  • Time-shares

Additional information

  • If you become involved in a legal dispute, you need someone who can impartially defend your rights. For this reason, your legal assistance file will be handled by Defendo, a specialist team of employees who solely provide legal assistance and guarantee the confidentiality of your case.
  • In the event of legal proceedings, you are free in your choice of lawyer
  • Disputes with tour operators, rental companies, repair companies and other service providers are insured for contracts entered into in all European Union member states and in geographical Europe. Other than in these cases, we provide assistance only if the other party is required to appear before a Belgian court

Things you also need to know

  • The insured persons must reside in Belgium and have their principal residence there.
  • You can take out the personal assistance cover, luggage cover, extra-protection travel accident cover and travel disputes cover up to a day before your departure date.
  • You must take out the cancellation cover at least two months before the departure date.
  • This product is governed by the laws of Belgium.
  • The insurance in this policy applies for a term of one year and will be tacitly renewed, unless it is terminated 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, by e-mail at complaints@kbc.be, by telephone on 0800 62084 (freephone number) or 078 152045 (paid number), or by fax on 016 863038. If you cannot find a suitable solution, you can contact the Insurance Ombudsman – which serves the whole industry – by post at de Meeûssquare 35, 1000 Brussels, by e-mail at info@ombudsman.as, or through its website at www.ombudsman.as.
    However, you always retain the right to initiate legal proceedings.

Contact your KBC insurance intermediary to request a quotation for KBC Travel Insurance.

The KBC Travel Insurance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium – VAT No. BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB. Insurance company belonging to the KBC group and licensed for all insurance classes under code 0014 (Royal Decree of 4 July 1979, Belgian Official Gazette of 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium.
Member of the KBC Group

Please refer to the product fact sheet for a concise description of the cover and the most important exclusions, as well as other useful information

  • product fact sheet

.

Was this page useful to you? Yes No