Sompo Travel Insurance Review: Features And Policies

Sompo Travel Insurance, known for its comprehensive coverage and competitive pricing, offers a range of plans designed to meet the needs of different travellers in Singapore.

Whether you're looking for basic protection or extensive coverage, Sompo's travel insurance products cater to various travel concerns, from medical emergencies to travel inconveniences. Notable features of Sompo’s travel insurance include:

• Highest rental vehicle excess cover to give you a worry-free road trip
• First insurer in Singapore to cover rental vehicle windscreen and tyres for enhanced protection on road trips and overseas adventures
• Exclusive cashless outpatient service for travels in Japan – perfect for Singaporeans who love to visit the Land of the Rising Sun!
• Extensive COVID-19-related coverage to protect you in your most vulnerable times
• Baggage loss/delay coverage up to S$1,000 to tide you over in case of any mishaps

This review will delve into the key features and benefits of Sompo's travel insurance options available in Singapore, helping you understand why Sompo could be a reliable choice for your next trip. You can also see how it measures up against some of the best travel insurance in Singapore to pick the one that suits your needs best.

Here's everything you need to know about Sompo's Travel Insurance policy:

• Reviews: Is Sompo Travel Insurance Good?
• Comparing Sompo Travel Insurance to Other Plans
• Sompo Travel Insurance Plans Review
• Sompo Travel Insurance Plans and Pricing
  • Mid-Tier plan
  • Top-Shelf plan
• Benefits of Sompo Travel Insurance
  • Emergency medical evacuation & repatriation
  • Full terrorism cover
  • Rental vehicle excess cover
• List of Sompo Travel Insurance Exclusions
• Sompo Travel Insurance Pros & Cons
• Sompo Travel Insurance Claims
  • How to contact Sompo for my claim
• Detailed Review of Best Travel Insurance from Sompo
  • Sompo Essential Travel Insurance
  • Sompo Superior Travel Insurance
• Other Travel Insurance Provider Reviews

Spencer Li

 

I travel a lot for work and for leisure, and I always make sure to get travel insurance when I travel. I have used them several times for my trips, very satisfied!

Tim Ng

 

I apply Sompo insurance for almost any travel overseas. Their quick and easy to claim process makes it feel completely flawless and we can enjoy our trip with a peace of mind. 

CK Chai

 

Sompo TravelJoy is by far my most fav travel ins.  It is rather competitive in terms of pricing and overall coverage.  

Claims are processed pretty fast.  If I do not remember wrongly, my mom's claim for post medical bills is paid out within 2 weeks or earlier. 

Comparing Sompo Travel Insurance to Other Plans

Sompo Travel Insurance Plans Review

Sompo provides two tiers of travel insurance plans with different price premiums and levels of coverage – Sompo Essential and Sompo Superior. 

All amounts quoted below are based on coverage for Adults up to 70 years of age on a Single Trip plan; coverage may vary for Children, Adults over 70 years of age, or Annual Travel Insurance. 

For more details, please read the full list of benefits and exclusions in the respective policy wording.

Sompo Travel Insurance Pricing

We will review and look at prices across various Mid-Tier and Top-Shelf plans for both Single Trips and Annual Trips and how they compare to Sompo’s Essential and Superior travel insurance plans.

Sompo’s policy coverage areas are as follows:

• Area B: Australia, Brunei, Cambodia, China (excluding Tibet and Mongolia), Hong Kong, India, Indonesia, Japan, Laos, Macau, Malaysia, Myanmar, New Zealand, Philippines, South Korea, Taiwan, Thailand, Vietnam
• Area C: Worldwide excluding countries in the Country Exclusion List (currently Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan, Syria)

Mid-Tier plan

The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Top-Shelf plan

The industry average figures displayed serve as an approximate guide and are not intended to represent precise or guaranteed coverage amounts.

Benefits of Sompo Travel Insurance

1. Emergency medical evacuation & repatriation

Sompo will pay a reasonable cost of transportation and en-route medical care incurred for evacuation to the nearest registered medical institution or return to Singapore for medical treatment.

2. Full terrorism cover

Full terrorism coverage is available for both Sompo Essential and Sompo Essential plans, at no additional cost.

3. Rental vehicle excess cover

Pays for any excess or deductible that you are liable to pay for under the vehicle rental agreement with regards to the loss of or damage to the rental vehicle caused by an accident or theft of a rental vehicle during the rental period.

Read also: Why You Should Get Travel Insurance

List of Sompo Travel Insurance 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
• An epidemic or pandemic (other than COVID-19) as declared by the World Health Organisation (WHO) or by any governmental or health authority in Singapore or in Your destination country.
• 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
• Pre-existing Medical Conditions
• Your physical disabilities
• Items confiscated or held by customs or authorities
• Claims for treatment of an optional nature (e.g. plastic surgery or cosmetic surgery which is not medically necessary)
• 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 adventure activities including but not limited to scuba diving, mountaineering, outdoor rock climbing, trekking, expeditions or extreme sports (e.g. caving, paragliding, hang-gliding, wingsuit flying)
• 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.

Sompo Travel Insurance Pros & Cons

Unsure how to decide if Sompo travel insurance is good for your travel requirements? Here are some of its pros and cons at a glance:

Sompo Travel Insurance Claims

Step 1: prepare the necessary information to validate your travel insurance claims

Start by preparing the following necessary information:

• Proof of Travel (Boarding Pass, Passport Stamp or Airline Tickets)
• Policy Number
• Claimant NRIC/FIN/Passport Number
• Claimant Name

The claimant should be an insured party in the policy, and personal information should match what was provided when purchasing your travel policy.

Step 2: gather the supporting documents

Next, gather supporting documents for your claim.

• Medical expenses: medical bills, medical reports/diagnosis, pre-departure COVID-19 PCR test results (for COVID-19 related claims)
• Delays and misconnections: proof of delay, property irregularity report from airport/airline services (for delayed baggage), rescheduled boarding pass, original itinerary
• Loss of items: photos of damage items, purchase receipts, overseas police report, property irregularity report from airport/airline services (for lost or damaged baggage), 
• Trip curtailment or cancellation: evidence of cancellation reason, evidence of prepaid travel costs and non-refundable costs, additional travelling expenses, medical reports (e.g. document showing COVID-19 diagnosis for COVID-19-related claims)
• Miscellaneous: rental agreement with excess amount, police report or incident report from car rental company, repair or excess invoice, medical report, proof of quarantine, hospital admission and discharge documents

For more details, check the required documents per claim type on Sompo’s website.

Step 3: submit your claim online

Once you’ve gathered all the necessary paperwork, submit your claims online.

How to contact Sompo for my claim

You can contact Sompo regarding your claim via the following methods.

• Emergency hotline: In an emergency, you can call the Sompo Assist Hotline at +65 6532 2522. You should also call this number for claims exceeding S$5,000 in value. 
• Online claims: After submitting your claims online at Sompo’s website, you can follow up via email at claimsreport@sompo.com.sg.
• Things to note: Claims must be submitted within 30 days of incident occurrence.

What Online Reviews Are Saying About Sompo Travel Insurance

Sompo Essential Travel Insurance

The Sompo Essential plan is often lauded in reviews for offering substantial coverage at a competitive price point, making it an attractive travel insurance option for budget-conscious travellers. Key highlights include:

• Comprehensive Medical Coverage: This plan provides up to S$200,000 for overseas medical expenses and hospitalisation, which is quite robust for a basic plan.
• COVID-19 Coverage: This addition is crucial and covers medical charges related to COVID-19, aligning with the needs of modern travellers.
• Efficient Claims Process: The swift and hassle-free claims process means you have one less thing to worry about if something goes wrong on a trip.
• Family Benefits: Though the plan doesn’t have some of the niche family-specific benefits other providers offer, its comprehensive benefits and high coverage ceilings still make it ideal for families travelling together. This includes up to S$500,000 Family coverage for overseas medical expenses and up to S$150,000 Family coverage for COVID-19-related overseas medical expenses.

While the Sompo Essential plan covers many essentials, it does have limitations, such as a higher premium cost compared to other plans with similar coverage. However, it remains a favoured choice for those who seek essential coverage that’s straightforward and comprehensive.

Sompo Superior Travel Insurance

The Sompo Superior plan steps up in terms of travel insurance coverage and benefits compared to the Essential, catering to those who want even more peace of mind during their overseas adventures. In reviews it stands out due to:

• Enhanced Medical and Accident Coverage: Offering up to S$400,000 for medical expenses and up to S$500,000 for personal accidents, this plan is designed for those who want extra security.
• Extensive Trip Inconvenience and Baggage Coverage: With up to S$30,000 for trip cancellation and S$2,500 for baggage loss, travellers can feel more at ease about the financial implications of common travel mishaps.
• COVID-19 and Family-Centric Benefits: Like the Essential plan, it includes COVID-19 coverage but extends its already generous coverage benefit ceilings for families up to S$1,250,000 for general overseas medical expenses and up to S$300,000 for COVID-19-related medical expenses , enhancing its appeal to those travelling with dependents.

Despite its higher cost, the Sompo Superior plan is frequently recommended for its broad coverage and high limits. It's particularly suited for travellers who do not mind paying a premium for added peace of mind and those who may plan to visit more remote destinations.

Other Travel Insurance Provider Reviews

Unsure if Sompo’s travel insurance is the best fit for you and your travel needs? Explore even more travel insurance provider reviews by SingSaver:

• AirAsia travel insurance review
• Allianz travel insurance review
• Amex My travel insurance review
• DBS travel insurance review
• Direct Asia travel insurance review
• Ergo travel insurance review
• FWD travel insurance review
• HL Assurance travel insurance review
• Klook travel insurance review
• MSIG travel insurance review
• Income travel insurance review
• OCBC travel insurance review
• Scoot travel insurance review
• Seedly travel insurance review
• Singapore Airlines travel insurance review
• Singlife travel insurance review
• Tiq by Etiqa travel insurance review
• UOB travel insurance review

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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