Policy exclusions
The list of exclusions for this policy include the following:
- Routine physical examinations, health check-ups, or any other tests not related to the treatment or diagnosis of any Injury, Illness, or Sickness or any treatment of a preventive nature including vaccinations, treatment for obesity, weight reduction and weight improvement programmes
- Any Infectious Disease which is announced or notified as an epidemic or pandemic by the health authority in Singapore or the Government of the Republic of Singapore; and a pandemic by the World Health Organisation (WHO)
- Travel booked or undertaken against medical advice or for the purpose of obtaining medical treatment
- HIV and/or any HIV related illness including AIDS and/or any mutant derivatives or variations thereof however caused
- Detention, confiscation or destruction by customs or other officials or authorities
- Losses for which insurance is prohibited by law
- Any government intervention, prohibition or regulation
- Claims arising from any fraudulent, dishonest or unlawful act committed by You
- Health supplements, vitamins, prebiotics, probiotics and skin care products whether purchased over the counter or prescribed by a Registered Medical Practitioner
- Engaging in aerial activities (except for hot-air ballooning) or air travel except as a fare-paying passenger in any fully licensed passenger carrying aircraft but not as a member of the crew nor for the purpose of any trade or technical operation in or on the aircraft
The full list of exclusions is available in the policy wording.
Types of plans
Sompo provides four tiers of travel insurance plans with different prices and levels of coverage - Vital, Deluxe, Elite, and Go Japan!. We will not be comparing the Go Japan! Plan below, as that is largely similar to the Deluxe Plan (except for Medical Expenses benefit), apart from the fact that it caters to Japan trips only. For more details, please read the full list of benefits and exclusions in the policy wording.
Plan Type | Cancellation | Medical Coverage (Overseas) | Bags/Belongings |
Vital | S$5,000 | S$150,000 | S$3,000 |
Deluxe | S$6,000 | S$300,000 | S$5,000 |
Elite | S$15,000 | S$1 million | S$8,000 |
Vital Plan
If you seek basic travel insurance coverage without the frills, consider Sompo's Vital Plan. In terms of personal cover, both personal accident and medical expenses incurred overseas are capped at S$150,000 each. Travel inconveniences such as baggage delays are covered up to S$1,000 (capped at S$100 for every six hours overseas).
However, do keep in mind that most bonus coverage such as “Full Terrorism Cover”, “War Cover”, “ Leisure Underwater Activities”, “ Alternative Accommodation Arrangement”, “ Alternative Travel Arrangement” and “Rental Vehicle Excess Cover” does not apply to this plan.
Deluxe Plan
If you prefer a boost in your travel coverage, Sompo's Deluxe Plan features emergency medical evacuation or repatriation required due to pre-existing medical conditions. Baggage delay is covered up to S$1,000 (capped at S$200 for the first six hours while overseas and capped S$150 for the first six hours in Singapore, and S$125 per four hours while overseas after that).
Finally, personal accident coverage is capped at S$250,000. Additional offerings (different from Vital Plan) in the event of medical mishaps include “Double Hospitalisation Allowance Whilst Overseas In ICU Arising From An Accident”, “ Hospital Allowance For Hospitalisation In Singapore”, “ Additional Accommodation & Travelling Expenses”, and “Guardian For Return Of Dependent Children”.
Bonus cover such as “Full Terrorism Cover”, “War Cover”, “ Leisure Underwater Activities”, “ Alternative Accommodation Arrangement”, “ Alternative Travel Arrangement”, “Rental Vehicle Excess Cover”, “ Reconstructive Surgery Due To Burns”, “ Recuperation Allowance Due To Accidental Miscarriage”, and “Golf Cover” are also made available with the Deluxe Plan.
Elite Plan
As a top-shelf plan, Sompo Elite Plan offers the highest limit among the three tiers. It provides an extensive S$1 million Overseas Medical Coverage and Personal Accident Coverage of S$500,000 at a lower-than-the-average premium. The additional benefits from the Deluxe Plan are also covered in the Elite Plan, with some benefits given a higher limit.
Pricing
We will look at prices across various plans (basic/mid-tier/top shelf) for both Single Trips and Annual Trips. For Sompo, ASEAN Countries exclude Cambodia, Laos, and Myanmar.
Basic Plan
Trip Type | Sompo Vital Plan | Industry Basic Plan Average |
1 week ASEAN | S$41 | S$26 |
1 week Asia | S$56 | S$32 |
1 week Worldwide | S$81 | S$46 |
Annual ASEAN | N/A | S$149 |
Annual Asia | N/A | S$208 |
Annual Worldwide | N/A | S$282 |
Mid-Tier Plan
Trip Type | Sompo Deluxe Plan | Industry Mid-Tier Plan Average |
1 week ASEAN | S$51 | S$33 |
1 week Asia | S$71 | S$41 |
1 week Worldwide | S$103 | S$59 |
Annual ASEAN | N/A | S$206 |
Annual Asia | S$295 | S$242 |
Annual Worldwide | S$414 | S$332 |
Top-Shelf Plan
Trip Type | Sompo Elite Plan | Industry Top-Shelf Plan Average |
1 week ASEAN | S$64 | S$47 |
1 week Asia | S$95 | S$58 |
1 week Worldwide | S$118 | S$80 |
Annual ASEAN | N/A | S$269 |
Annual Asia | S$389 | S$310 |
Annual Worldwide | S$482 | S$430 |
How to make a claim
To make a claim, please call +65 6461 6555 for Sompo's customer service hotline. Alternatively, click here to access their claims portal. If you have the Sompo SG app on your iPhone or Android smartphone, you can submit a claim there as well.

Protected up to specified limits by SDIC.
Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.
If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
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