• Sompo Travel Insurance Singapore Review: Choose From 7 Different Plans

    Sompo offers two different types of travel insurance- TravelJoy and TravelEASE. Sompo is offering TravelEASE in partnership with CIMB and you can purchase it through the CIMB website. One of the unique benefits offered by TravelJoy is that you will get coverage for injuries caused because of an act of war which is not commonly offered by other insurers.

    CIMB TravelEASE: Lite Key Highlights

    • If you are over 70 years, you will get an emergency medical evacuation cover worth up to S$100,000.
    • If you require money to spend on your medical expenses upon return to Singapore from your overseas trip, you will get up to S$500 if you are over 70, and S$1,000 if you are below 70.
    • If you lose your travel documents while you are overseas, you will get up to S$1,500.

    As part of the optional top-up cover, you will get rental vehicle excess cover of up to S$1,500. While you are overseas, you will get a coverage of up to S$5,000 in case of house break-ins and fire. If you have a pet, you will get a coverage of up to S$200 for any additional kennel cost. You will get up to S$100 to make any emergency phone calls while you are overseas. In case your flight deviates because of adverse weather conditions, you will get up to S$1,000. If your planned return flight is overbooked while you are overseas, get up to S$150.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$150,000 Up to S$150,000 Up to S$1,500 Up to S$1,000 Up to S$1,000

    CIMB TravelEASE: Easy Key Highlights

    • As part of the bonus cover, you will get up to S$250,000 for any harm caused because of an act of terrorism.
    • For any underwater leisure activities that you undertake, you will be eligible to get up to S$250,000.
    • If you require any alternative accommodation arrangement while you are overseas, you will get up to S$100.

    When your golfing equipment is damaged or if it is lost while you are overseas, you will get up to S$500. You will also get a quarantine allowance of up to S$1,000 when you return to Singapore. If you, unfortunately, go through an accidental miscarriage, you will get a recuperation allowance of up to S$100. In case you suffer from burns and require reconstructive surgery while you are overseas, you will get up to S$20,000. If you require to make an alternative travel arrangement when you are on your trip, you are eligible to get S$500 under this plan.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$300,000 Up to S$300,000 Up to S$1,500 Up to S$1,000 Up to S$4,000

    CIMB TravelEASE: Max Key Highlights

    • If your flight is delayed because of your flight getting hijacked, you will get up to S$5,000.
    • You will get up to S$300 if you lose your hotel facilities while you are abroad.
    • Get an overseas hospital allowance of S$150/day for up to 90 days.

    Under the CIMB Max TravelEASE insurance plan, you will get numerous bonus and optional top-up covers. For instance, you will be compensated if there is a house break-in while you are away, if you have a pet that needs to be taken care of while you are abroad, and if you rent a vehicle abroad. Some of the bonus covers include emergency phone charges, reconstructive surgery, alternative travel arrangement, alternative accommodation arrangement, underwater activities, and more.

    As part of liability/inconvenience covers, you will get compensated if you lose your money or travel documents while you are overseas. As part of TravelEASE Shopping Shield, you will get coverage for things bought during your trip with a credit card issued in Singapore.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$600,000 Up to S$1 million Up to S$1,500 Up to S$1,000 Up to S$10,000

    Sompo TravelJoy : Vital Key Highlights

    • As part of personal covers, when you return to Singapore after your trip overseas and you require immediate treatment, you will be eligible to get up to S$3,000 if you are 70 years or below.
    • As part of inconvenience/liability covers, if you lose your travel documents and money while you are overseas, you will get up to S$3,000.
    • As part of the cash benefit, if your flight is overbooked while you are overseas, you will get up to S$150.

    In addition to the essential benefits, you will also get bonus covers. For example, you will get up to S$100 for making emergency phone calls while you are on your trip. If you need to be quarantined because of an infectious disease on you return to Singapore, you will get a quarantine allowance of up to S$50 per day for 5 days. You will get cash benefits of up to S$200 as a result of a travel misconnection that exceeds more than six hours.

    If your flight is deviated because of adverse weather conditions or if your flight lands in another destination, you will get a compensation of up to S$1,000.  

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$150,000 Up to S$150,000 Up to S$1,000 Up to S$1,000 Up to S$3,000

    Sompo TravelJoy: Deluxe Key Highlights

    • As part of the cash benefit, if your return flight is overbooked while you are abroad, you will get up to S$150.
    • Under personal covers, when you return to Singapore after your trip overseas and you require medical treatment, you will get up to S$15,000 if you are 70 years or below.
    • Under inconvenience/liability covers, if you misplace your important travel documents and money when you are abroad, you will get up to S$3,000.

    As part of the Deluxe plan, you will get compensated if you are a victim of an act of terrorism, if you come under attack as an innocent bystander during a war, you participate in leisure underwater activities, you require alternative accommodation and travel arrangement, and more. If you wish to make an emergency phone call when you are overseas, you will get up to S$150.

    If your flight is delayed because of a hijack, you will get up to S$5,000. If you lose your hotel facilities, you will get up to S$200 for two days. There is a special coverage known as golf cover as part of which you will get up to S$500 if your golfing equipment is damaged or lost.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$250,000 Up to S$300,000 Up to S$1,000 Up to S$1,000 Up to S$5,000

    Sompo TravelJoy: Go Japan Key Highlights

    • You will get an amount of up to S$100,000 as additional indemnity for traffic accidents in Japan if you are 70 years old or below.
    • Get an overseas hospitalisation allowance of S$200 per day for up to 100 days and a hospitalisation allowance in Singapore of S$50 per day for first 3 days and S$150 per day for the next 2 days.
    • In case your trip is cancelled or postponed within 60 days of departure, you will get up to S$6,000.

    As part of this plan, you will get up to S$500 for any damage to your golfing equipment while you are in Japan. If you wish to make an emergency phone call, you will get up to S$150. Other bonus benefits include compensation for making alternative travel arrangements, alternative accommodation arrangements, rental vehicle excess cover, reconstructive surgery caused as a result of burns, and more.

    Cash benefits available with this plan include kidnaping coverage of up to S$5,000, a maximum of S$200 if you have to wait for more than six hours because of a missed a flight. Get up to S$1,000 if your flight deviates from its original route and lands somewhere else.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$250,000 Up to S$500,000 Up to S$1,000 Up to S$1,000 Up to S$10,000

    Sompo TravelJoy: Elite Key Highlights

    • Get an amount of up to S$100,000 as extra indemnity for traffic accidents overseas if you are 70 years old or below.
    • Get a double hospitalisation allowance of up to S$400 per day for up to 10 days while you are overseas or in ICU arising from an accident.
    • Get up to S$25,000 for the expenses of a guardian for the return of your dependent children if they were hospitalised overseas.

    The Elite plan offers the most comprehensive plan and you will get coverage for almost any eventuality. For instance, you will get an amount of up to S$30,000 for your medical expenses on your return to Singapore. You will get an overseas hospital allowance of up to S$200 per day for up to 200 days. If you are injured or if you are sick and need to be hospitalised while overseas, you will get up to S$25,000 if a relative or friend comes to see you.

    If you lose your golfing equipment while you are overseas, you will get up to S$1,000. If you wish to undertake underwater activities, you will get up to S$350,000. To make alternative travel and accommodation arrangement you will get up to S$500 and S$100 respectively.

    Personal Accident Overseas Medical Expenses Travel Delay Delayed Baggage Loss of Baggage and Personal Effects
    Up to S$500,000 Up to S$1 million Up to S$2,000 Up to S$1,000 Up to S$8,000

    Promotions That Can Help Save on Premiums

    With TravelJoy, you will get the following promotional offers:

    • Get a discount of 45% on a single-trip insurance policy.
    • Get a discount of 20% on an annual plan.

    Both these offers will only be valid until 30 September 2018. Other terms and conditions will be applicable. This offer is not valid in conjunction with other promotional deals.

    With TravelEASE, you will get the following promotional offers:

    • Enjoy a discount of up to 55% on the travel insurance premium with a single trip plan.
    • Enjoy a discount of up to 20% on the travel insurance premium with an annual multi-trip plan.

    Both these offers will only be valid until 30 September 2018. Other terms and conditions will be applicable. The offer is applicable only to people who submit the application through a dedicated channel of CIMB Bank. This offer is not valid in conjunction with other promotional deals.

    What Cover Are You Looking From Sompo Travel Insurance

    Plan/Coverage TravelEASE Lite TravelEASE Easy TravelEASE Max TravelJoy Vital TravelJoy Deluxe TravelJoy Go Japan! TravelJoy Elite
    Type of trip cover Single/Annual            
    Medical expense cover in Singapore Up to S$1,000 Up to S$3,000 Up to S$10,000 Up to S$3,000 Up to S$15,000 Up to S$15,000 Up to S$30,000
    Emergency medical evacuation Up to S$600,000 Unlimited Unlimited S$600,000 Unlimited Unlimited Unlimited
    Travel inconvenience cover Up to S$5,000 Up to S$6,000 Up to S$15,000 Up to S$5,000 Up to S$6,000 Up to S$6,000 Up to S$15,000
    Pre-existing medical conditions NA NA NA NA NA NA NA
    Pregnancy cover NA Up to S$100 Up to S$200 NA Up to S$100 Up to S$100 Up to S$200
    Personal liability cover Up to S$1 million Up to S$1 million Up to S$1 million Up to S$1 million Up to S$1 million Up to S$1 million Up to S$1 million
    Additional cover Pet care, home protection, rental vehicle cover Pet care, home protection, rental vehicle cover, underwater leisure activities, golfing equipment Pet care, home protection, rental vehicle cover, underwater leisure activities, golfing equipment NA Rental vehicle cover, underwater leisure activities, golfing equipment Rental vehicle cover, underwater leisure activities, golfing equipment Rental vehicle cover, underwater leisure activities, golfing equipment

    What is Not Covered: General Exclusions

    Like most other travel insurance policies offered in Singapore, there are a few exclusions for which you will not get any coverage. Here is a list of these exclusions:

    • Loss or destruction caused because of exposure to radioactive substances.
    • Injury, illness or death caused as a result of a pre-existing condition.
    • Claims arising as a result of government regulation, prohibition or intervention.
    • Damage or loss to property triggered as a result of the actions of customs or other authorities.
    • Claims arising indirectly or directly from the inability or failure of a computer or other equipment for processing, storing or salvaging data.
    • Losses for which you are not liable to get any insurance according to the law.
    • Claims arising from any falsified, unfair or illegal act committed by you.
    • If you have undertaken the trip for the purpose of getting medical treatment or against medical advice.
    • Any injury or sickness caused as a result of being in contact with asbestos.
    • Death, injury or illness caused as a result of trying to commit suicide.

    Things to Consider Before Getting Sompo Travel Insurance

    • Remember that you will not get any bonus benefits such as terrorism and war cover, pet care, protection of sporting goods and more with TravelEase Lite and TravelJoy Vital.
    • The coverage offered is a lot less for people over 70 years.
    • The quarantine allowance that you get as part of bonus benefits does not include all infectious diseases.
    • The maximum duration for a single trip plan is 182 days for a single trip and up to 90 days for a single trip under the annual plan.
    • You will not get any refund as part of a single-trip plan once the policy is issued. In case of an annual multi-trip plan, the refund will be subject to the insurer’s short period rates for termination.

    Here’s How You Can Buy the Insurance Policy Offered By Sompo

    Complete an online quotation form with the details of your trip. Once you have entered your personal details, you have to choose the plan. After you pick your plan, you get the option of selecting the top ups. Finally, you will have to enter your personal details and flight information after which you can make the payment.

    How to File a Travel Insurance Claim

    There are different procedures for making claims for different instances. For example, the steps that you need to take for making a damage to luggage claim is different in comparison to the steps that must be taken for making a baggage delay claim. Even the documents that you are supposed to submit together with your claim will not be the same for different instances.

    You can use the Sompo SG mobile application to make faster and easier claims. In fact, the claims that can be made via the Sompo SG app will only be accepted through the app.

    You also have the option of making a claim online, but all claims cannot be made online. Make sure to submit the claim within 30 days of returning from your trip. Once you have submitted the claim, Sompo will acknowledge it within three working days. You will be informed about any appointment of service providers to assist you in the claim.

    Sompo Travel Insurance Hotline

    Phone number
    • General Enquiry: (65) 64616555
    • Emergency Assistance Number: 6565322522
    Email address emailus@sompo.com.sg

    Frequently Asked Questions

    Q. Will I get any coverage if I am injured because of a war?

    A. Yes, TravelJoy offers coverage for any bodily harm caused while you are abroad as a result of a war. However, this coverage will only be applicable if the country you visited was not war-torn when you arrived. Also, this cover is available only on certain plans.

    Q. Are there any trekking trips which are covered as part of the travel insurance?

    A. Yes. If you are planning to make a trekking trip to Taman Negara, Mount Ophir or Mount Kinabalu, you will be protected by the coverage from TravelJoy.

    Q. Will I get any coverage for damage caused to rental vehicles while abroad?

    A. Yes, you will be reimbursed for expenses incurred in respect of damage to a rental vehicle caused by an accident during the rental period up to S$1,000 per vehicle.

    Q. Who can purchase TravelJoy insurance?

    A. Citizens of Singapore, Permanent Residents and foreigners with a valid Long Term Social Visit Pass, Student Pass, Dependent Pass, Work Permit, and Employment Pass are eligible to purchase TravelJoy insurance.

    Q. What is the maximum duration for a single-trip plan?

    A. The maximum duration for a single-trip plan is 182 days.

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