Sompo Travel Insurance Review (2024)
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!
Table of Content
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.
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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.
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Full Terrorism Cover
Full terrorism coverage is made available (not applicable for Vital Plan)
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Amateur Sports Coverage
Covers amateur sports such as hot-air balloon, parasailing, white-water rafting, snow-skiing and bungee jumping.
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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.
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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.
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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.
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Exclusions
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.
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Plan Type
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Cancellation
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Medical Coverage (overseas)
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Bags/Belongings
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Vital
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$5,000
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$150,000
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$3,000 |
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Deluxe
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$6,000
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$300,000
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$5,000
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| Elite | $15,000 | $1,000,000 | $8,000 |
Vital Plan
Deluxe Plan
- 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
Elite Plan
Pros and Cons List
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 50% discount on Single Trip plans upon successful application. Valid till 20 November 2024. Or, get a 20% discount for Annual Trip plans when you apply NOW! Valid till 18 December 2024. T&Cs apply.
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
Frequently Asked Questions (FAQs)
Is it compulsory to get travel insurance?
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?
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?
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?
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?
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?
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?
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?
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?
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