Choose from 3 levels of cover for your overseas or domestic trip with Blue Monkey Travel Insurance
While travel insurance isn’t mandatory for travels to all countries, it’s a safety net that's good to have in place in the event of an unforeseen circumstance that could render you helpless due to loss or stolen documents, or in the event that you become ill and need medical care in a foreign country. Travel emergencies can happen at any time and the out-of-pocket cost can be tremendous; however, with a travel insurance policy, you can travel comfortably knowing that you’re covered and protected from unforeseen travel incidents and expenses.
Blue Monkey is an authorised financial provider, providing travel insurance services and benefits to Australian residents 65 years and younger. Their Single and Annual Multi-trip policies provide policyholders with a number of travel benefits such as medical coverage, protection for loss or stolen luggage and flight and baggage delay that no one-time or frequent flyer should go without. While the pre-existing conditions benefits are ideal for travellers who have a pre-existing medical condition they want to be covered for when they travel, their additional benefits options provide travellers with comprehensive travel protection.
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Who is Blue Monkey Travel Insurance Backed By?
Blue Monkey Travel Insurance is backed by ACE Insurance Limited, an Australian financial service provider, authorised to sell general insurance products. For medical and other types of emergencies, Ace Insurance Limited provides travellers insured by Blue Monkey Insurance Company with emergency assistance and information, as well as, location in relations to medical facilities and other services worldwide.
Ace Insurance Limited operates in 54 countries worldwide, while ACE Limited, the parent company of ACE group is prominently listed on the New York Stock Exchange. With over 50 years of professional operations within the Australian financial scene (through acquisition from its predecessors), ACE Insurance Limited provides a number of customised insurance policies to Australian residents.
Blue Monkey Travel Insurance Policies
The Blue Monkey Travel Insurance policies are designed to meet the individual and family travel needs of each and every traveller. Their insurance policies include:
One Trip Travel Insurance
Provides both domestic and international travellers with tailored benefits for their trips. This insurance policy is most suited for you and your travel companions, if you take only one to two trips per year. The One Trip Travel Insurance Policy comes with a number of benefits that include, but are not limited to, protection for:
- Loss of Luggage and personal effects
- Loss of Deposit and Trip Cancellation
- Medical coverage for accidents, sickness, injuries and disease for trips outside of Australia only.
- Delay of baggage and flight (for Premier Policies only) and
- 24 hour emergency assistance worldwide.
It is advised that you purchase a One Trip Travel Insurance policy soon after you book your trip to secure coverage immediately; from the moment you buy your insurance plan, until your return home. By doing this, you protect yourself in the event that you need to cancel your trip before take off or need to make a claim while you are away.
Annual Multi-Trip Travel Insurance
This policy is designed for regular travellers. This policy is uniquely tailored for families, because kids travelling with an insured family member are protected under this policy at no additional cost. The Annual Multi-Trip policy is cost effective because one plan last for 12 months and protects even last minute travels.
While the Annual Policy covers as many trips as you can take during a 12 month period, protection for each trip is only valid for 90 days internationally and 45 days within Australia. The Annual policies are available for families, individuals and couples 65 years and younger and the benefits provided under this plan include protection for:
- Loss of luggage and personal effects
- Loss of deposit and cancellation cover
- Medical expenses for accidental injury, disease or illness outside of Australia and
- Baggage or flight delay
Comparison of Blue Monkey policy features
| Benefits | International Single Trip | International Premier Coverage | Domestic Single Trip/Annual Trip | ||
|---|---|---|---|---|---|
| Basic | Essential | Essential | Premier | ||
| Emergency Medical | Unlimited | Unlimited | Unlimited Protection | Not covered | Not covered |
| Cash In Hospital | Not covered | Not covered |
| Not covered | Not covered |
| Loss on Deposits Cancellation Charges | $2500 | $2500 | $10,000 | $2000 | $4000 |
| Loss of Luggage, Personal Effects travel Documents |
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| Loss of Money | Not covered | Not covered | $200 | Not covered | Not covered |
| Delay Luggage Allowance | Not covered | Not covered |
| Not covered |
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| Travel Delay Accommodation | Not Covered | Not Covered | $500 | Not covered | $500 |
| Flight Delay | Not covered | Not Covered |
| Not covered |
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| Accidental Loss of Life & Permanent Loss | Not covered | Not covered |
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Additional options you might consider
While Blue Monkey Travel Insurance provides insurance policies with various benefits for individual and family travellers, you may want to upgrade your policy with additional optional benefits, which include, but are not limited to:
- Personal liability protection
- Coverage for Public Transport Hijacking and Kidnapping
- Mortal Remains Repatriation and
- Rental Vehicle Excess
What is an excess?
There is an excess applied to all claims, which you, the insured must pay in the event a claim is made. The amount of excess you pay is chosen when you purchase your Policy; the higher your excess, the lower your insurance premium will be. The excess options for International Policies are: $100 and $250, while the excess options for Australia Only Policies are: $50 and $100 respectively. However, the excess applicable for sections 8 and 11, Money and Flight delay respectively is $25 per event, irrespective of your option choice.
Back to topHow does Blue Monkey Cover Pre-Existing Medical Conditions?
The pre-existing medical conditions policy provide automatic coverage for individuals with a stated pre-existing condition. This policy covers losses arising from these stated preexisting conditions, which aren’t subject to the general exclusions. These following conditions are covered if they meet the applicable time frames as stated below:
| Pre-existing Condition | Time Frame |
|---|---|
| Asthma | If you haven’t had an asthma attack in the last 12 months that required medical treatment from a doctor. |
| Gout | If your gout has been stable for the last six months. |
| Diabetes, Non-Insulin Dependent | This condition is covered if you have a blood glucose reading of 4 and 10 and it was diagnosed within the last 12 months and there was no complications during this time. |
| Epilepsy | Is covered if you haven’t required treatment from a doctor for seizures in the last 12 months and you do not have any underlying medical conditions. |
| Hiatus Hernia | Is covered once there are no scheduled surgeries within the next two years. |
| Hip Replacement | Is only covered if the procedure was performed over six months ago. |
| High Blood Pressure | If you have a BP reading of 165/95 and below and you do not have any known heart conditions. |
| High Cholesterol | Is covered if you don’t have any known heart conditions. |
| Peptic Ulcer | This condition is covered once it remained stable within the last 12 months. |
| Stroke | Is covered once it happened over 12 months ago and there is no need for further rehabilitation or specialist review. |
| Prostate Cancer | If you Gleason Score, Prostate Specific Antigen (P.S.A) reading is 3.0 or below. |
| Underactive Thyroid | Is covered, once it’s not as a result of a tumor. |
Blue Monkey Travel Insurance Claims
To make a claim with Blue Monkey Travel Insurance, you must first inform the company immediately about an event that may lead to a claim being made. Once the company is aware of this event, complete the following steps for a smooth process:
- Request a claim form, complete it and attach the following documents:
- Receipts for any expenses paid by you
- Reports, if any, from the police, airline carrier or other authorities about an accident, loss or stolen luggage or documents and
- Any other documents the company may require as proof.
- Provide all required documents and claim forms within 30 days or as soon as possible after the event occurred that required the need for the claim being filed.
- Provide all medical and other certificates needed as evidence to properly assess your claim.
- Resist making any promise of payment; making an offer; or admitting to any liability without written consent from Blue Monkey Insurance Company.
