Your travel insurance

KBC Travel Insurance

Your travel insurance

KBC Travel Insurance

Get insured right away online – even if you’re not yet a customer

Enter details of your trip to get our best price.

Compile your own policy

Add cover to fit your needs, including personal assistance, cancellation, luggage or accident insurance.

Take out your travel insurance instantly online

Calculate the cost of your cover in just a few steps. Like our price? Get insured right away – even if you’re not yet a customer.

Questions concerning the corona virus and your travel insurance?

You can find the answers on cancellation cover or travel assistance cover here.

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.

Work and take it out online at the bottom of this page

  • Use our handy calculator below to quickly see what your travel insurance will cost you
  • Get insured right away online, even if you're not yet a customer (there's always a nearby KBC Brussels Insurance agent to help you if you need to claim under your insurance, even if you took it out online)
  • Call our 24/7 assistance helpline to claim under your travel insurance at any time

Temporary or continuous travel insurance?

What does travel insurance entail?

a. Temporary/short-term travel insurance: for one trip

If you only go on holiday once a year, you can take out travel insurance for the duration of your trip, subject to a maximum of 120 days. An annual travel insurance policy is often the cheapest way to ensure that you're fully covered for all of your trips.

b. Long-term travel insurance: for all your trips over a one-year period

If you take multiple trips over the course of a year, you’re best taking out travel insurance for the whole year. Long-term travel insurance covers all of your trips over a one-year period.

What does travel insurance cover?

Be sure to read what is and isn’t covered.

Travel assistance insurance

What is 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

What isn’t 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)

Cancellation cover

What is covered

With cancellation cover, the fees you cannot recover or have to incur if you have to cancel your trip unexpectedly or return home prematurely are reimbursed.
The following events are valid reasons for cancelling your trip or returning home prematurely:

  • Health-related reasons, such as illness, an accident or death, etc.
  • Work and study, such as examination resits, dismissal, etc.
  • Government and travel formalities such as a call for jury duty
  • Missed aeroplane, boat or train: unexpected delay of the booked transport by at least 48 hours, etc.
  • Cancellation cover is valid worldwide

What isn’t 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

Luggage cover

What is covered

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.
The following events whilst travelling are covered:

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

What isn’t 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

Accidents while travelling

What is covered

If you have you been the victim of an accident whilst travelling, travel accident cover provides compensation if you sustain permanent injuries or die.

What isn’t 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

Legal assistance

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.

What is 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 outside Belgium

What isn’t covered

  • Disputes between individual insured persons
  • Travel for medical purposes and scheduled medical treatment outside Belgium and the potential resulting complications or additional 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.

Your digital safe: key details at your fingertips at all times

Your digital safe: key details at your fingertips at all times

Keep important stuff like passwords, credit card numbers, travel documents and photos of ID cards safe and secure all in one place. 

> See more on your digital safe 

Frequently asked questions on cancellation cover

I have to postpone my trip due to the coronavirus. Does my insurance cover the cancellation costs?

No, the outbreak of the coronavirus in the country that you're planning to travel to from Belgium, a travel warning issued by the Belgian authorities (general travel ban in Belgium) or a ban on entering the country you're going to due to the coronavirus is not a valid reason for cancelling your trip.

We recommend that you contact your travel agency, tour operator or transport operator to enquire about a possible cancellation. If you organised your trip yourself, you must contact the various service providers (like the airline and hotel) to check the options available. Accommodation costs are subject to the hotel’s general conditions. Some hotels have very lenient cancellation policies, allowing you to cancel your reservation free of charge up to the last minute, while others will charge you for the first night in the event of a no-show. If you received a generous discount because you booked your trip very early, you generally won’t be able to cancel it for any reason.

My flight has been cancelled by the airline. What am I entitled to?

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).

My trip has been cancelled by the travel organisation. What am I entitled to?

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).

My destination is subject to a travel advisory due to the coronavirus epidemic. Is this covered under the cancellation insurance?

If you have booked a trip to an area where a travel advisory applies due to an outbreak of the coronavirus, the cancellation cover does not apply if you intend to cancel your trip.

You are unable to travel to your destination due to an entry ban imposed by the local authorities on account of the coronavirus epidemic. Is this one of the reasons covered under the cancellation insurance?

No, this situation is not covered. We recommend that you contact your travel agency, tour operator, hotel or transport operator to ask them whether it’s possible to cancel.

Is a nationwide lockdown in the country of destination one of the reasons covered under our cancellation insurance policies?

No, this situation is not covered. We recommend that you contact your travel agency, tour operator, hotel or transport operator to ask them whether it’s possible to cancel.

I applied for a visa for my destination country, but my application was denied on account of the spread of the coronavirus in Belgium. Can I cancel my trip free of charge?

The decision whether or not to grant a visa is made at the discretion of the authorities in the destination country. This means you will need to cancel your trip and that these expenses will not be covered by our cancellation insurance policies.

I was placed in quarantine in Belgium due to the coronavirus. Am I entitled to file a claim under my cancellation insurance?

If you have been quarantined because you are ill, we will cover your cancellation costs. This is subject to the condition that this is the only reason for your cancellation. In the case of countries to which you’re unable to travel for other reasons (like the ban on entering the United States) – even in good health – we don’t cover the cost of cancelling your trip if you fall ill.

If you have been quarantined without actually being ill, we will not cover the cancellation costs.

Frequently asked questions – Travel assistance cover

Am I entitled to travel assistance due to the coronavirus?

If you become ill or are injured abroad, KBC Brussels will pay the costs of your medical care, hospital accommodation expenses and any transport costs necessary for the purpose of arranging care. These costs will be covered up to the sum insured specified in the policy (once the cover provided by the health insurance fund has been exhausted).

KBC Brussels will take care of your repatriation to Belgium, if your medical condition so requires.

When, how and where you are taken will be judged exclusively in accordance with this medical condition and in consultation with the doctor in attendance.

For all epidemics, including the coronavirus, KBC Brussels will always need to follow the rules and regulations imposed by the local authorities (e.g., access to cities or hospitals) and comply with the sanitary and hygiene standards and regulations issued by the competent bodies (including quarantine).

I need to extend my stay at my destination. Will the additional accommodation costs be covered?

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.

I am being forced to evacuate by the authorities at my holiday destination due to the coronavirus. Are the costs of returning home prematurely covered by my insurance?

No, these costs are not covered. The outbreak of an epidemic is not an insured event. We recommend that you contact your tour operator or transport operator in this case.

I am in an area that is expected to go under lockdown and want to leave before this happens. Are the costs of returning home prematurely covered by my insurance?

No, these costs are not covered. A possible lockdown as a result of the outbreak of an epidemic does not qualify as an insured event. We recommend that you contact your tour operator or transport operator in this case.

I am in a country or area that is currently in lockdown, making it impossible to leave the area or country. What should I do?

If you are not sick but have only been affected by quarantine measures or a lockdown, we recommend that you contact your tour operator, airline or hotel to discuss extending your stay. You should also contact the local Belgian consular authorities (website available in Dutch, French and German).

In some cases, the Belgian authorities will decide what resources to use in repatriating Belgian travellers. In this situation, the costs of a premature return home are not covered by your travel assistance insurance. However, the additional accommodation costs you incur are covered for a maximum of 7 days. 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.

I travelled to a country despite a travel advisory being in place, and I am quarantined while there. Is my extended stay covered by my insurance?

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.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.

I have been placed in quarantine while abroad, but will run out of essential medication before the imposed end date of my stay.

KBC Brussels can make arrangements for the purchase and delivery of the required medications to your destination. These medications must be essential and must have been prescribed by the patient’s physician. The delivery of medication to your destination will occur in accordance with the applicable health regulations. They will be delivered to the medical team charged with treating and supervising the patient on-site.

I am unable to fly home because all return flights are being cancelled. What should I do?

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. 0800 62 084 (free of charge) or + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry’s ombudsman service: de Meeûssquare 35, 1000 Brussels, info@ombudsman.as, www.ombudsman.as. 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.

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

Your intermediary: KBC Brussels, part of KBC Bank NV – Havenlaan 2 – 1080 Brussels – Belgium
VAT BE 0462.920.226 – RLP Brussels – IBAN BE98 7300 0000 0083 – BIC KREDBEBB – FSMA 026256 A, tied agent of KBC Insurance NV
Member of the KBC Group

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

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