Comprehensive Coverage with Sompo Travel Insurance
Updated: 9 Jul 2026
- Exclusive cashless outpatient services in Japan
- Extensive rental vehicle coverage
- High baggage delay coverage
SOMPO Annual Trip Comparison
Product | Trip Cancellation | Baggage/personal belongings delay | Loss of baggage | Medical expenses coverage | Travel delay | Travel postponement | Replacement of traveller | Overbooked flight | Travel disruption | Personal liability | Missed travel connection | Flight diversion | Automatic extension of cover | Medical expenses coverage | Accidental death & total and permanent disability | Overseas medical expenses | Maternity overseas | Overseas hospitalisation allowance | TCM expenses | Emergency dental expenses | Singapore hospitalisation allowance | Adventurous leisure activities | Damage or loss of golf equipment | Wedding clothing and accessories | Loss of travel documents | Personal money | Loss of credit card | Rental car excess | Hijack of public transport/plane | Legal expenses for wrongful arrest or detention | Funeral expenses | Emergency telephone charges | Covid-19 medical expenses |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
S$5000 | S$1200 | S$1000 | S$5000 | S$800 | S$5000 | - | S$100 | S$1000 | S$500000 | S$100 | - | - | S$5000 | S$5000 | S$200000 | - | - | - | - | - | - | - | - | S$3000 | - | - | S$2000 | - | - | - | - | S$0 | |
S$10000 | S$2000 | S$1000 | S$10000 | S$1200 | S$10000 | - | S$200 | S$2000 | S$1000000 | S$200 | - | - | S$10000 | S$150000 | S$400000 | - | - | - | - | - | - | - | - | S$5000 | - | - | S$3000 | - | - | - | - | S$0 |
Frequently asked questions about Sompo Travel Insurance
No, Sompo Travel Insurance is available to all eligible travellers who are residents of Singapore, as long as the policy is purchased in Singapore prior to their departure.
Yes, you can cancel your Sompo Travel Insurance policy with seven days’ notice via post, hand, fax, or email. For single-trip policies, you'll receive a refund minus an administrative charge if cancelled before the trip starts. No refunds if a claim is made or after the start date.
If your trip is cancelled or delayed within 30 days before departure due to events like serious illness, natural disasters, or compulsory quarantine, Sompo Travel Insurance will cover irrecoverable prepaid transport and accommodation expenses. Refunds require proof of denial from providers. Exclusions and conditions apply.
Yes, Sompo Travel Insurance is available for individuals who are more than 30 days old.
Yes, Sompo Travel Insurance offers Family Cover, which includes one or two adults in a marital relationship or partnership and their children under the same policy. Group cover is also available for other types of group travel.
Yes, Sompo Travel Insurance covers lost or stolen luggage. If your baggage or personal belongings are lost or damaged due to an accident or theft overseas, the insurance company will pay up to the limit specified in your plan's coverage details, based on proof of purchase.
No, you must purchase the Sompo Travel Insurance policy before you leave Singapore. Travel insurance plans must be bought prior to your departure to ensure coverage.
No, Sompo Travel Insurance does not cover losses or liabilities arising from pre-existing medical conditions.
No, Sompo Travel Insurance does not cover claims arising from known events which include natural disasters. This policy excludes coverage for any claims related to such events.
Buy the Best Sompo Travel Insurance Online
Sompo Travel Insurance is a comprehensive insurance policy designed to protect travellers from unexpected events that may occur during their trips. The policy offers coverage for medical expenses, trip cancellations or interruptions, travel delays, and other travel-related incidents.
This travel insurance offers multiple plans to cater to different travel needs and budgets. One of the notable features of Sompo Travel Insurance is its COVID-19 coverage, which includes medical expenses and trip cancellations or interruptions caused by COVID-19-related issues.
Types of Coverage Provided by Sompo Travel Insurance
Sompo Travel Insurance offers a range of coverage options to provide peace of mind for travellers. The coverage includes travel cancellations, inconveniences, disruptions, and delay, loss, damage, and delay of personal baggages, insolvency of travel agency, medical expenses overseas and in Singapore, personal accident, personal liability, and full terrorism cover.
These coverage options ensure that policyholders are well-protected during their travels, from unexpected events such as illnesses, injuries, or natural disasters, to loss or damage of personal belongings, and even acts of terrorism.
Travel Cancellations, Inconveniences, Disruptions, and Delay
This coverage by Sompo Travel Insurance policy provides reimbursement for expenses incurred due to trip cancellations or interruptions caused by unexpected events such as serious illness, injury, or death of a family member, or natural disasters. It also covers travel inconveniences such as flight delays, missed connections, and lost or stolen travel documents.
The coverage typically includes reimbursement for expenses such as unused prepaid travel expenses and emergency medical expenses. The coverage can also provide cash benefits as compensation for insured events like flights and baggage delays, as well as missed connection.
Loss, Damage, and Delay of Personal Baggage
Sompo Travel Insurance provides reimbursement for loss or damage of luggage, including personal belongings, during a trip. The coverage typically includes reimbursement for expenses such as the cost of replacing lost or stolen items and the cost of repairing damaged items. In the event of baggage delays, Sompo Travel Insurance provides a cash benefit for every 6 hours of delay.
Insolvency of Travel Agency
Sompo Travel Insurance provides protection in case of the insolvency of the travel agency or tour operator that you have booked your trip with. The coverage typically includes reimbursement of unused prepaid expenses which the travel agency or tour operator cannot refund due to its inability to fulfil its contractual obligations.
Medical Expenses Overseas and in Singapore
Sompo Travel Insurance provides reimbursement for medical expenses incurred overseas due to unexpected illness or injury, including hospitalisation, surgery, and emergency medical evacuation. It also covers medical expenses incurred in Singapore if the policyholder requires medical treatment within two days of returning to Singapore from injuries or illnesses occurring during the trip.
The coverage typically includes reimbursement for expenses such as medical consultation fees, diagnostic tests, medication, and hospitalisation expenses.
Personal Accident
Sompo Travel Insurance provides a lump sum payment in case of accidental death or permanent disability caused by an accident which occurred during the trip. This coverage provides compensation for the loss of income should the insured person suffer such a tragic incident.
Personal Liability
Sompo Travel Insurance also provides protection in case of legal liability for accidental bodily injury or property damage caused to third parties during the trip. The coverage typically includes reimbursement for expenses such as legal fees, compensation to third parties, and damages to property.
Full Terrorism Cover
This coverage by Sompo Travel Insurance policy provides protection in case of terrorism-related incidents during the trip, including acts of terrorism, sabotage, and hijacking. The coverage typically includes reimbursement for expenses such as medical and hospitalisation expenses, unused prepaid flight or accommodation expenses, and the cost of returning home early if necessary.
Major and Notable Exclusions
While Sompo Travel Insurance provides comprehensive coverage for travellers, there are certain exclusions that policyholders should be aware of. Some notable exclusions include:
Non-authorised Travel
Travelling in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.
Pregnancy-related Complications
Any medical complications and expenses related to pregnancy, childbirth, or abortion are typically not covered, unless it is a medical emergency.
High-risk Extreme Sports
Activities such as extreme sports or adventure activities like bungee jumping, skydiving, and rock climbing are often excluded from coverage.
Compare Between the Sompo Travel Insurance Policies
Sompo Travel Insurance offers two plans with different levels of coverage — the Essential Plan offers relatively basic coverage while the Superior Plan provides more comprehensive coverage. Here is a comparison of the travel insurance plans:
| Plan Type | Essential Plan | Superior Plan |
|
Medical Coverage (Overseas)
|
S$200,000
|
S$400,000 |
|
COVID-19 Medical Expenses Overseas
|
S$100,000 |
S$200,000 |
|
COVID-19 Emergency Medical Evacuation
|
S$100,000 |
S$200,000 |
|
Cancellation coverage
|
S$5,000 |
S$10,000 |
|
COVID-19 Trip Cancellation Or Postponement Benefit
|
S$2,000 |
S$4,000 |
|
COVID-19 Overseas Quarantine Allowance/ Hospital Income
|
S$50 per day |
S$100 per day |
|
COVID-19 Overseas Hospital Income |
S$50 per day, up to S$700 |
S$50 per day |
|
Rental Excess Vehicle Coverage
|
S$2,000 |
S$3,000 |
|
Full Terrorism Cover
|
S$200,000 |
S$500,000 |
|
Bags & Belongings Coverage
|
S$1,000 |
S$1,000 |
Sompo Travel Insurance Promotions
Get amazing deals and exclusive benefits with promo codes and discounts on Sompo Travel Insurance!
Don't miss out on these fantastic promotions – secure your Sompo Travel Insurance today and travel with peace of mind! Please make sure to go through the terms and conditions that apply to these offers.
Sompo Travel Insurance Refund and Cancellation
If you are wondering how to cancel your travel insurance and get a refund, Sompo Travel Insurance offers a straightforward refund and cancellation policy. If you need to cancel your policy, we require seven days' notice, which can be provided by post, hand, fax, or email. For single-trip policies, if you cancel your travel insurance before the start of your trip, we will refund the premium minus a $21.60 administrative charge (inclusive of GST).
Please note that refunds are not provided for amounts less than $5. Additionally, no refunds will be issued if a claim has been made or if the cancellation notice is received after the Sompo Travel Insurance policy start date.
Highlights of Sompo Travel Insurance Plan
COVID-19 Overseas Medical Expenses
Sompo travel insurance provides protection for medical expenses incurred due to COVID-19 while travelling overseas. If you are officially diagnosed with or test positive for COVID-19 and will require medical care, your policy entitles you for reimbursement for hospitalisation, ambulance, specialist, medical equipment, and emergency medical evacuation costs.
Policyholders can seek medical treatment at any licensed medical facility or hospital, and the policy will reimburse the covered medical expenses, subject to the policy terms and conditions.
Trip Cancellation, Postponement, and Disruption due to COVID-19
This coverage provides protection for trip cancellations, postponements, and disruptions caused by COVID-19. If you are diagnosed by a doctor with or test positive for COVID-19 within 30 days prior to departure, you will be entitled to compensation of irrecoverable prepaid expenses.
The policy will reimburse the non-refundable travel expenses, such as flights, accommodations, cancellation fees to travel agencies, up to the maximum benefit limit stated in your policy.
If you choose to postpone your trip instead of cancel it, you may be reimbursed the administrative expenses for rescheduling your transport and accommodation according to the benefit limit of your plan.
Emergency Evacuation and Repatriation
Sompo travel insurance provides protection for emergency medical evacuation and repatriation due to COVID-19. If you becomes seriously ill due to COVID-19 while travelling overseas and in a life-threatening condition that is deemed medically necessary to be moved into a suitable treatment facility or to Singapore, your policy will cover the cost of transportation to the nearest suitable medical facility or back to Singapore.
Overseas COVID-19 Quarantine Allowance
This coverage provides a daily allowance during the quarantine period due to COVID-19 while travelling overseas. For each consecutive full day of quarantine due to COVID-19, this coverage provides up to $100 of cash benefit.
Overseas COVID-19 Hospital Income
Sompo travel insurance provides a daily allowance for hospitalisation due to COVID-19 while travelling overseas. If you need to be hospitalized due to COVID-19 while travelling overseas, Sompo travel insurance will pay a cash benefit for each full day of hospitalisation, up to the maximum benefit limit stated in the policy.
This coverage is designed to help cover the additional expenses that may be incurred due to a longer stay in the hospital.
Sompo Assist Program
The Sompo Assist Program is a service provided by Sompo Travel Insurance that offers a range of travel and medical assistance services to support travellers during their trip.
These services include medical assistance for emergencies, travel assistance for visa requirements, personal assistance for lost documents and luggage, and emergency medical assistance for unexpected serious illnesses or injuries.
This program is available to Sompo Travel Insurance policyholders and can be accessed through a dedicated hotline at +65 6532 2522, providing travellers with peace of mind knowing that they have access to assistance and support in case of unforeseen circumstances.
Making a Claim With Sompo Travel Insurance
Making a claim with Sompo Travel Insurance is a straightforward process that involves the following steps:
Prepare the Necessary Documents to Validate Your Claim
Before submitting a claim, you must gather all necessary documents to support your claim as listed below.
- Proof of Travel (Boarding Pass, Passport Stamp or Airline Tickets)
- Policy Number
- Claimant NRIC/FIN/Passport Number
- Claimant Name
Besides these major documents, you will need various other documents including proof of medical expenses, delays and misconnection, loss of Items, trip curtailment, disruption, cancellation or postponement and more as listed on the Sompo Travel Insurance website in detail.
Complete and Submit Your Claim Online
You can submit your claim online by filling out the claim form available on Sompo Insurance's website or through the customer portal. Select your travel product and then provide details such as your policy number, mobile number, email address and your NRIC or FIN Number. Then you will be required to select your claim type and provide the necessary details such as travel dates, incident details, and supporting documents.
Next, you must fill in the payee details to ensure accurate reimbursement. Once all information is complete, the claim can be submitted for processing. You can also submit your claim via email or mail if you prefer.
Receive an Acknowledgement Email
After submitting your claim, you will receive an acknowledgement email from Sompo Travel Insurance, confirming receipt of your claim. The email will include your claim number and the contact details of your claims officer. Please note that it can take up to 21 working days to process your claim after receiving supporting documents and it can take longer processing time during travel peak periods.
Receive Claim Reimbursement
Upon processing and approving your Sompo Travel Insurance claim, you will then receive reimbursement for the eligible expenses via PayNow or by cashier's order if the PayNow transfer is unsuccessful.
Other Travel Insurance Providers
Unsure if Sompo Travel Insurance is the best fit for you? Explore other travel insurance providers in Singapore:
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Sompo Travel Insurance Singapore
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