Travel Insurance

Sompo Travel Insurance Singapore Review 2018

sompo travel insurance singapore review 2018

Clara Lim



Leave it to the Japanese to come up with yet another innovative product that makes complete sense. No, I’m not talking about the latest high-tech fabric from Uniqlo or some crazy-cheap product from Daiso. I’m talking about Sompo travel insurance.

It’s quite brilliant, really. A Japanese insurance company like Sompo is never going to be the market-wide leader in Singapore for insurance. So, they aggressively target Singaporeans going to Japan. (Which, since 404,100 of us visited Japan last year, is not an insignificant niche by any measure.)

Let’s have a look at 3 of Sompo’s insurance plans: the basic Vital plan, the middle-tier Deluxe plan and the Japan-focused GO Japan! plan. We’ll skip the most expensive Elite plan as it’s basically a bumped-up version of the Deluxe.


Sompo Travel Insurance Price and Coverage

Travel insurance plan Sompo TravelJoy Vital Sompo TravelJoy Deluxe Sompo GO Japan!
Price for one week in… (Most of) SEA: $39

Asia: $50

US, Europe: $73

Worldwide: $82

(Most of) SEA: $49

Asia: $64

US, Europe: $93

Worldwide: $105

Japan: $88
Promotion 45% off single-trip plans until 30 Apr 2018
Medical expenses (overseas) $150,000 $300,000 $500,000

Cashless payment at 740 clinics/hospitals

Emergency medical evacuation $600,000 Unlimited

Covers pre-existing medical conditions


Covers pre-existing medical conditions

Personal accident (death & TPD) $150,000 $250,000 $250,000
Travel delay ($100 for first 6 hours, $65 every 4 hours thereafter) $1,000 $1,000 $1,000
Trip cancellation $5,000 $6,000 $6,000
Baggage delay ($200 for first 6 hours, $125 every 4 hours thereafter) $1,000

Lower sub-limits apply

$1,000 $1,000
Baggage loss/damage $3,000 $5,000 $5,000
Adventure activities covered? No Limited Limited


Sompo travel insurance price comparison

Sompo isn’t cheap, that’s for sure. They’re trying to be competitive with promotions like the very generous current 45% off, which makes the basic Vital plans affordable – $27.50 for a week’s cover in Asia, about $40 for a week in Europe and US.

Be prepared to pay a premium for their GO Japan! plan. Even with a 45% discount, it’ll still set you back close to $40 for a week’s coverage.

Sompo travel insurance coverage comparison

Frankly, you might want to give Sompo a miss if you’re looking for very basic and cheap coverage. The Vital plan has low medical emergency coverage limits and has a lot of activity exclusions – you can get much better coverage at this price point.

Those with pre-existing medical conditions (like asthma or heart conditions) can consider Sompo’s Deluxe plan in addition to NTUC Income’s pricey Enhanced PreX plans.

Note that Sompo only covers medical evacuation while NTUC covers medical expenses and trip delays and cancellation as well. Still, Sompo offers unlimited evacuation while NTUC’s coverage is capped at $150,000 for the lower-tier plans. If your condition is life-threatening, unlimited evacuation is more important than being covered for a wide variety of incidents.

If you’re travelling to Japan you will most probably want to spring for the GO Japan! plan, even though it costs quite a bit more than Deluxe. Although its claim limits are more or less the same, there are 2 major perks.

First, Sompo runs a hotline where an English- or Chinese-speaking officer can help with procedures like lodging a police report or making a medical appointment. Second, Sompo can settle your medical bill at 740 clinics and hospitals in Japan so you won’t have to bear medical expenses upfront.

Note that Sompo’s Deluxe and GO Japan! 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.

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


How to make 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.

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.


Summary: Pros & cons of buying travel insurance with Sompo

PRO: GO Japan! is a very comprehensive travel insurance plan for Japan. Japan is generally a very safe place to visit, but Japanese language and bureaucracy can be pretty much impossible for an outsider to penetrate if you need to go to the police or see a doctor. Sompo’s come up with a pretty good solution to these woes, if you’re willing to pay for it.

PRO: Pre-existing medical conditions covered for medical evacuation (except for Vital plan). Those with pre-existing medical conditions that can get life-threatening should get insurance with Sompo, even if they’re not travelling to Japan. Should anything happen, you can get evacuated home for free.

CON: Limited coverage of outdoor activities. Sompo is definitely not for the adventurous as it has a lot of limitations for outdoor activities, especially aerial activities (skydiving, paragliding, etc.) and hiking/trekking.


Have you ever run into trouble in Japan? How did you get out of it? Share your experiences with us in the comments.

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Clara Lim

I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.