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Sompo Travel Insurance Review (2024)

Last updated 21 August 2023
Sompo-Insurance-e1618381640470-2

Best in the market for: Unexpected mishaps and unique Japan insurance coverage

These include the loss of passport, accidents, and baggage delay. It also provides bonus coverage such as reconstructive surgery, recuperation allowance due to accidental miscarriage, golf cover, and rental vehicle excess. Sompo stands out for its coverage for loss of frequent flyer points and a unique Go Japan! Plan. Prices start from as low as $24!


Product Summary

Sompo Travel is attractive for consumers who are looking for high value plans at attractive pricing, and protects you against unexpected common mishaps. These include the loss of a passport, accidents, and baggage delays. That's not the end of it, though. It also includes coverage for reconstructive surgery due to burns, recuperation allowance due to accidental miscarriage, golf cover, and rental vehicle excess.

Sompo Travel Insurance Product Summary
Emergency Medical Evacuation and Repatriation
Sompo will pay the 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. For Go Japan!, Elite and Deluxe plan, this section is extended to cover pre-existing conditions.
Full Terrorism Cover
Full terrorism coverage is made available (not applicable for Vital Plan)
Amateur Sports Coverage
Covers amateur sports such as hot-air balloon, parasailing, white-water rafting, snow-skiing and bungee jumping.
Loss of Frequent Flyer Points
Sompo will pay for loss of frequent flyer or similar travel points used by the Insured Person to purchase an airline ticket following the Trip Cancellation or Postponement if the Insured Person is unable to recover the lost points from any other source.
Rental Vehicle Excess Cover
Pays for any excess or deductible which you are liable to pay under the vehicle rental agreement in respect of loss or damage to the rental vehicle caused by an accident or theft of a rental vehicle during the rental period. Not applicable for Vital Plan.
Reconstructive Surgery Due to Burns
Sompo will reimburse for the medical expenses incurred in Singapore within twelve (12) months from the date of Accident for Skin Transplantation procedures due to Accidental burns sustained during Your Trip (must be certified by a Registered Medical Practitioner as medically necessary). This is not applicable for Vital Plan.

Exclusions

Medical Exclusions
Trip Inconvenience and Sports Exclusions
Detention, confiscation or destruction by customs or other officials or authorities     Claims arising from any fraudulent, dishonest or unlawful act committed by you
Losses for which insurance is prohibited by law     Health supplements, vitamins, prebiotics, probiotics and skin care products whether purchased over the counter or prescribed by a Registered Medical Practitioner
Any government intervention, prohibition or regulation     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
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     Travel booked or undertaken against medical advice or for the purpose of obtaining medical treatment
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)    
HIV and/or any HIV related illness including AIDS and/or any mutant derivatives or variations thereof however caused

Types of Plans

Sompo provides four tiers of Plans with different coverage and pricing - Vital, Deluxe, Elite, Go Japan!. We will not be comparing Go Japan! Plan in the below sections, as that is similar to the Deluxe Plan in terms of most benefits (except for Medical Expenses benefit), catering exclusively for Japan travel. 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
$5,000
$150,000 
$3,000
Deluxe
$6,000
$300,000  
 $5,000 
Elite $15,000 $1,000,000    $8,000

 

Vital Plan

 
Sompo Vital Plan caters for those who seek basic travel insurance coverage. In terms of personal cover, both personal accident and medical expenses incurred overseas are capped at $150,000 each. Travel inconvenience such as baggage delays covers up to $1,000 (capped at $100 every six hours).
 

Deluxe Plan

 
Sompo Deluxe Plan now features new attractive coverage such as emergency medical evacuation or repatriation required due to pre-existing medical conditions. Baggage delay is up to $1,000 (capped at $200 for the first six hours both overseas and in Singapore, and $125 per four hours while overseas after that). Personal accident coverage is at $250,000. Some of the additional offerings (different from Vital Plan) in the event of medical mishaps include:
  • Hospital Allowance For Hospitalisation In Singapore
  • Additional Accommodation & Travelling Expenses
  • Guardian For Return Of Dependent Children benefits

Bonus cover such as the following are also available with the Deluxe Plan:

  • Full Terrorism Cover
  • War Cover
  • Leisure Underwater Activities
  • Reconstructive Surgery Due To Burns
Be sure to read the full terms and conditions of coverage before purchase.
 

Elite Plan

 
Sompo Elite Plan offers the highest limit among the three plans. With a lower than average premium in its class, it provides $1 million Overseas Medical Coverage and Personal Accident Coverage of $500,000. The additional benefits from the Deluxe Plan are also covered in the Elite Plan, with some benefits given a higher limit.


Pros and Cons List

Pros
Cons

  • Full Terrorism Cover (except for Vital Plan)
  • Covers Loss of Frequent Flyer Points
  • Cashless services at 740 clinics and hospitals when travelling to Japan (Go Japan! Plan Only)

  • No cover for any sports in a professional capacity
  • Claims arising from skin care products, health supplements, probiotics are excluded whether purchased OTC or prescribed by a registered medical practitioner
  • No cover for any articles sent as freight or any baggage forwarded in advance

 


Pricing

We look at pricing comparisons across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. 

Basic Plan

  Sompo Vital Plan Industry Basic Plan Average
1 week ASEAN $24 $26
1 week Asia $33 $32
1 week Worldwide $48 $46
Annual ASEAN $48 $149
Annual Asia NA $208
Annual Worldwide NA $282

 

Mid-Tier Plan

  Sompo Deluxe Plan Industry Mid-Tier Plan Average
1 week ASEAN $30 $33
1 week Asia $42 $41
1 week Worldwide $61 $59
Annual ASEAN NA $206
Annual Asia $214 $242
Annual Worldwide $288 $332

 

Top Shelf Plan

  Sompo Elite Plan Industry Top-Shelf Plan Average
1 week ASEAN $38 $47
1 week Asia $57 $58
1 week Worldwide $70 $80
Annual ASEAN NA $269
Annual Asia $270 $310
Annual Worldwide $344 $430

 

Sompo Travel Insurance Promo: Get a 45% discount for Single Trip plans and 15% discount for Annual Trip plans when you buy NOW! Valid till 14 March 2024. T&Cs apply. Get exclusive cashless outpatient service while travelling in Japan upon purchase of Sompo Travel Insurance. Fulfillment by Sompo.


How to Claim

Submit claims through these Sompo Travel channels: 
Online Claims: Click here to file a claim 
Hotline: +65 6461 6555
24-Hour Emergency Assistance: +65 6532 2522
Claims Email: sg.travelhelp@allianz.com

Address: Sompo Insurance Singapore Pte. Ltd. 50 Raffles Place, #05-01/06 Singapore Land Tower, Singapore 048623

Faster and easier to claim*:

  • Download Sompo SG from App Store or Google Play
  • Submit online for applicable types of claims
Remember to submit your claim within 30 days upon return.

Frequently Asked Questions (FAQs)

Is it compulsory to get travel insurance?

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Though most countries do not require travellers to purchase travel insurance, there are some countries that do. It's best to do your research before your trip.

Nevertheless, purchasing travel insurance is highly recommended as you'll get a peace of mind knowing that you're insured against any travel inconveniences that might affect your trip.

Whether your flight is delayed for many hours, your baggage gets stolen overseas, or you fall ill abroad, you'll be able to be financially compensated for with travel insurance.

Who is the best insurer to get travel insurance with?

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There's no one-size-fits-all travel insurance plan for everyone. Every individual has different needs and priorities when it comes to travel coverage. Some may prioritise personal accident cover, while someone may want higher coverage for travel delays. An elderly who has pre-existing conditions will also priortise a plan that covers for that.

Because of the different needs, you'll need to find a travel insurance plan that is best suited for you.

How to buy travel insurance in Singapore?

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You can easily apply for a travel insurance plan online on the insurer's website. Simply key in your personal particulars, when you'll be overseas, where you're going, choose the plan that you want and make payment.

You can also head to SingSaver's website to compare the coverage and costs of the insurers, and simply apply directly through our site.

What is usually covered by travel insurance?

expand_more

Travel insurance plans usually include basic coverage like overseas medical expenses, personal accidents, accidental death and total permanent disability, travel cancellations, flight delays, baggage loss and baggage delay.

However, each travel insurance plan is different and offers different claim limits, which also depends on the tier of plan you purchase.

Other coverages that some insurers offer also include sports and adventure cover, rental fee excess, pre-existing conditions, rainfall cover, bridal accessories and even loss of frequent flyer points.

How late can you buy travel insurance?

expand_more

There's no hard and fast rule for when is the latest you can buy your travel insurance, as you can literally purchase one right before you board the plan and still be covered.

However, the later you buy your travel insurance, the higher the chance of you not being able to claim for certain things like flight delay (if you buy your plan only before you board the plan), trip cancellation due to a family member or travel buddy falling critically ill, trip cancellation for any reason (offered by Singlife).

Can I claim for medical expenses in Singapore after returning from my trip?

expand_more

Not all insurers offer that, so it's best to check the insurer's product brochure or policy wording before you purchase one.

Some insurers do let you claim for any medical expenses after returning to Singapore, if you incur the expense within a stipulated time period after you're back.

Do I need COVID-19 coverage?

expand_more

Though COVID-19 isn't be affecting our lives much compared to how it used to, it is still recommended to get travel insurance that covers for COVID-19.

You'll have the peace of mind knowing that you are covered for any medical expenses due to COVID-19 when you're abroad, and you can also choose to shorten or postpone your trip if you or a travel buddy contracts COVID-19 right before your trip.

Can elderly above 70 years old and above purchase travel insurance?

expand_more

It depends on the insurer. Some insurers only offer coverage for adults below 70 years old, while others do for seniors 70 and above.

However, do take note that the medical expenses coverage for seniors in that age range tend to be much lower than adults below 70, as they have a higher chance of falling ill.


Looking for travel insurance deals?

 

We’ve got no lack of exclusive promotions to help you save even more!


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.


Read these next:

5 Best Ways To Shop for Travel Insurance

Will My Travel Insurance Cover COVID-19?

How Different Will Travel Be Post COVID-19?

What Does ‘Complimentary Travel Insurance’ by Credit Cards Cover And Is It Enough?

If I Get COVID-19, What Will I Need To Pay?

Singapore Budget 2023 Live Coverage: Key Highlights


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FINANCIAL TIP:

Use a personal loan to consolidate your outstanding debt at a lower interest rate!

 

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