Sompo Travel Insurance Singapore Review 2022

SOMPO Travel Insurance Review

Sompo travel insurance has gone through some MAJOR changes since we’ve last talked about it. Back then, Sompo Travel Joy insurance plans (what it was previously named) were categorised into 3 tiers: the basic Vital plan, the middle-tier Deluxe plan and the Japan-focused GO Japan! plan. It even had an Elite plan as it’s basically a bumped-up version of the Deluxe.

In the past, the Sompo travel insurance particularly stood out for the comprehensive insurance plan that it offered for those travelling to Japan. But let’s get up to speed on Sompo travel insurance’s current policies and see how they fare against the other travel insurances in the market.

Unlike most other insurance providers, who typically offer 3 tiers of plans, the Sompo Covid-19 Travel insurance plans have been streamlined into 2 tiers: the Essential plan and the Superior plan. As its name suggests, Sompo has restructured its plans to cater specifically to travel in the times of a pandemic.

Sompo travel insurance at a glance

Travel insurance plan Sompo COVID-19 Travel Essential Sompo COVID-19 Travel Superior
Price for 1 week (Area A) $52 $66
Price for 1 week (Area B) $72 $92
Price for 1 week (Area C) $103 $132
Promotion No current promotion
Overseas medical expenses $200,000 $400,000
Overseas medical expenses due to COVID-19 $100,000 $200,000
Emergency medical evacuation $500,000 $800,000
Emergency medical evacuation due to COVID-19 $100,000 $200,000
Personal accident (death & TPD) $200,000 $500,000
Overseas travel delay ($100 for every 6 hours) $800 $1,200
Trip cancellation $5,000 $10,000
Trip cancellation due to COVID-19 $2,000 $4,000
Trip postponement due to COVID-19 $2,000 $4,000
Overseas quarantine allowance due to COVID-19 $700 $1,400
Overseas hospital cash due to COVID-19 $700 $1,400
Overseas baggage delay ($200 for every 6 hours) $1,200 $2,000
Baggage loss/damage $1,000 $1,000
Adventure activities covered? No No

*Area A: Brunei, Indonesia, Malaysia, Philippines, Thailand, Vietnam.

Area B: Australia, Cambodia, China (excluding Tibet and Mongolia), Hong Kong, India, Japan, Laos, Macau, Myanmar, New Zealand, South Korea, Taiwan, and all countries listed under Area A.

Area C: Worldwide excluding countries in the Country Exclusion List: Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.

Sompo travel insurance promotions

Comparing across the board of travel insurance plans that offer COVID-19 coverageSompo travel insurance is one of the cheapest. At the moment, although there are no ongoing travel promotions, the amount that you’ll be parting with is still a budget-friendly deal.

What does Sompo travel insurance cover?

Frankly, you might want to give Sompo a miss if you’re setting off on an adventure-filled trip. Sompo travel insurance’s lack of coverage for outdoor activities is one of its main drawbacks. In terms of outdoor activities, the Sompo’s plans cover mainly sedate activities like scuba diving, skiing and hot air balloons. If you’re planning to hike the Japan Alps, you won’t be covered.

Outdoor activity Covered by Sompo COVID-19 Travel Insurance 
Hot air balloon No
Scuba diving Yes (up to 30m)
Skiing and other ice/snow sports Yes
Hiking or trekking Yes (up to 3,500 meters)
Mountaineering or outdoor rock climbing No
Marathons and other competitions No
Jet skiing Not stated
White water rafting Not stated
Skydiving No
Paragliding, hang gliding or parachuting No
Bungee jumping Not stated

It’s not explicitly stated in the Sompo policy wording whether activities like white water rafting and hiking are covered, but it does say in the FAQ that some “hazardous sports” may be covered as long as they’re “undertaken for leisure purposes”.

That aside, if you’re planning a leisure holiday that mostly involves an itinerary of eating, shopping and sightseeing, Sompo’s COVID-19 travel insurance plan is well worth looking into. It offers comprehensive COVID-19 coverage on top of the regular policy benefits at wallet-friendly prices. Given that the price difference does not vary much between the Essential and Superior plans, top up a little extra for the Superior plan to enjoy twice as much coverage.

Sompo travel insurance claims

Emergency hotline: For emergencies or any claim exceeding $5,000, call Sompo Assist Hotline at +65 6532 2522

Online claims: For certain claims, you can fill in and submit documents through Sompo’s online travel claims form. Or you can download the claims form here and email with your documents to [email protected].

Hard copy claims: Download the claims form here and mail with supporting documents to Sompo Insurance Singapore Pte Ltd, 50 Raffles Place, #05-01/06 Singapore Land Tower, Singapore 048623.

App claims: Download the Sompo SG app and submit the supporting documents via the app. You can take photos on the spot or choose from your files. Claims submitted through the app are instantly submitted and enjoy priority assessment.

Things to note: Claims must be reported within 30 days of your return to Singapore. For useful info on supporting documents needed, refer to Sompo’s claims page.

Sompo will acknowledge your claim within 3 working days and inform you if they appoint third-party providers to help process your claim.

Conclusion: should you buy Sompo travel insurance?

The great thing about Sompo’s COVID-10 travel insurance is the flexibility in offers in switching up your travel plans when the pandemic throws you curve balls. Compensation for trip cancellation or postponement is offered if you, an immediate family member or a travelling companion also insured by Sompo, got diagnosed with Covid-19 not more than 30 days before your departure date. If your travel partner gets infected you can choose to claim for your travel expenses rather than go alone.

On top of that, you can make a claim for having to change your itinerary if your travelling companion or an immediate family member back in Singapore gets diagnosed with Covid-19 and you need to cut short your trip to return to Singapore.

However, the medical coverage offered by Sompo does pale in comparison to other travel insurance plans in the market. If you’re healthy, vaccinated, and your chances of hospitalisation are close to none due to COVID-19, the Sompo travel insurance is definitely one to consider.

Looking to buy Sompo travel insurance? Compare all Singapore travel insurance policies by price and coverage first.