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Sompo Travel Insurance Review

Compare benefits and features of TravelJOY, Sompo's suite of travel insurance policies.

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With three levels of cover and a one-of-its-kind Japan-focused policy, Sompo TravelJOY travel insurance plans are designed for travellers seeking affordable yet solid travel protection. The plans come with full terrorism cover up to $500,000, overseas medical expenses protection up to $1,000,000, as well as unlimited emergency evacuation benefit. In addition, you can also expect extra coverage such as leisure sports benefit, frequent flyer points cover, recuperation allowance due to accidental miscarriage and rental vehicle excess.

So whether you’re looking for extensive protection or just a basic level of cover, all the policies come with robust coverage so you can enjoy your vacation with a peace of mind.

More about Sompo Travel Insurance

A subsidiary of SOMPO HOLDINGS in Japan, Sompo has been serving the needs of companies and individuals with affordable insurance solutions in Singapore since 1989. While Sompo may not be one of the household names in travel insurance here, the company remains competitive by offering a suite of travel policies, including a Japan-focused GO Japan! plan.

Find out if one of Sompo’s travel insurance policies will be a good fit for your next trip below.

What policies can I choose from and how do they compare?

With Sompo’s TravelJOY, you have access to three levels of travel cover, Vital, Deluxe, Elite. For travellers heading to Japan, Sompo also offer a specially tailored GO Japan! plan.

What is ‘GO Japan! plan?

GO Japan! is Singapore’s first travel insurance plan specially designed for travellers visiting Japan. Here are some main features of GO Japan! policy:

  • Cashless services at designated clinics and hospitals. Access cashless medical services at 740 clinics and hospitals across Japan, a service provided by Emergency Assistance Japan (EAJ).
  • High medical expenses cover. Covers up to $500,000 for Individuals and $800,000 for Families
  • Free translation service. If you’re feeling stumped by the language barrier, such as when you’re ordering food, asking for directions, making purchases or even lodging a police report, Sompo has a free real-time translation hotline which you can call in for translation assistance. Note that all overseas phone charges will be borne by the insured.

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The policy details in the table below are general overviews of the main inclusions that come with each level of coverage, such as how much medical coverage you are entitled to, what happens if your trip gets cancelled or if you lose your luggage.

For more detailed inclusions and to see what conditions and limits apply to each, we recommend you check their policy wording.

Cover FeatureVitalDeluxeGO Japan!Elite
Emergency medical, hospital, dental expenses
  • $150,000
  • $300,000
  • $500,000
  • $1,000,000
Personal accident (accidental death, permanent disablement and third-degree burns)
  • $150,000
  • $250,000
  • $250,000
  • $500,000
Additional indemnity for traffic accident (For accidental death as a passenger in traffic accident)
  • N/A
  • N/A
  • $100,000
  • $100,000
Emergency medical evacuation and repatriation
  • $600,000
  • Unlimited
  • Unlimited
  • Unlimited
Trip cancellation, curtailment, postponement and loss of deposits
  • $5,000
  • $6,000
  • $6,000
  • $15,000
Personal liability
  • $1,000,000
  • $1,000,000
  • $1,000,000
  • $1,000,000
Rental vehicle excess
  • N/A
  • $1,000
  • $1,000
  • $2,000
Loss of travel documents and money
  • $3,000
  • $3,000
  • $3,000
  • $5,000
Loss or damage to luggage and personal effects
  • $3,000
  • $5,000
  • $5,000
  • $8,000
Luggage delay
  • $100 for 1st full 6 hours (overseas or in S’pore), $100 per 6 hours thereafter (overseas). Capped at $1,000.
  • $200 for 1st full 6 hours (overseas or in S’pore), $125 per 4 hours thereafter (overseas). Capped at $1,000.
  • $200 for 1st full 6 hours (overseas or in S’pore), $125 per 4 hours thereafter (overseas). Capped at $1,000.
  • $200 for 1st full 6 hours (overseas or in S’pore), $125 per 4 hours thereafter (overseas). Capped at $1,000.
Full terrorism cover
  • N/A
  • $250,000
  • $250,000
  • $500,000

Depending on your needs, you may opt for either single or annual coverage:

  • Single trip coverage. This type of Travel Insurance covers you for one journey to your selected geographical area, up to a maximum of 182 days.
  • Annual multi-trip coverage. Covers all journeys made during the year to your selected geographical area, up to a maximum of 90 days per journey. Only Deluxe and Elite plans are available for annual coverage.

Each plan is offered with the following options:

  • Individual plan. Only provides cover for you.
  • Family plan. Covers up to two adults and any number of dependents of either of the two adults that depart from and return to Singapore together. All three levels of cover are available for the family plan.

What does a Sompo TravelJOY policy cover?

Here are some common situations Sompo’s TravelJOY covers if your policy contains the benefit mentioned:

  • You get into an accident overseas and require emergency medical attention. Emergency medical covers at least $150,000 for the cheapest plan and up to $1,000,000 for the top tier plan. It covers all eligible medical expenses overseas, such as transportation and en-route medical care to the nearest hospital, medical bills or your return to Singapore for medical treatment.
  • You get robbed of your money. Sompo will reimburse you for the loss of money that arise from robbery, burglary or theft during your overseas trip, up to a limit of $250 for Vital plan and up to $500 for all other plans.
  • You get into an automobile accident to the rental vehicle you have hired. If you have to claim on a rental vehicle without insurance, you could be facing out-of-pocket expenses on the excess or deductible. TravelJOY’s rental car excess benefits cover up to $1,000 for both Deluxe and GO Japan! plans, and up to $2,000 for Elite plan. This benefit is not included in the Vital plan.
  • You fell seriously ill a week before your trip. If you’re unable to make the trip due to a disabling injury, serious sickness and/or disease, you’ll be covered for any unrecoverable loss of cancellation fees, travel deposits and accommodation arrangements that you have paid in advance.
  • Your luggage is lost or damaged due to an accident or theft. You will be compensated for any losses or damages to your luggage and personal effects that were caused by an accident (or theft) that occurred overseas. However, make sure to report the stolen or mislaid baggage within 24 hours to an appropriate authority and keep a copy of the written statement.
  • You pass away on your trip. In the event of your death during your journey, the reasonable costs of either an overseas funeral, cremation or repatriation of your remains back to your home country will be covered.

What doesn’t my policy cover?

There are a number of reasons Sompo could deny your claim:

  • You have a pre-existing condition that is excluded in the plan you purchased.
  • Your doctor had strongly advised against travelling, but you went ahead anyway.
  • The incident was caused by your wilful, malicious or unlawful conduct.
  • You’re trying to claim for non-emergency treatments that can be reasonably delayed until your return to Singapore.
  • Your luggage was lost or damaged due to negligence.
  • You did not lodge a report for your stolen or missing luggage with the authorities within 24 hours.
  • You travel somewhere else outside the geographical area you’ve selected.
  • Your claim arises from or is in any way related to mental or nervous conditions.

Policy cost

Sompo’s premiums for its travel coverage is calculated based on your destination and trip length, which is indicated in the tables below. The prices are accurate at the time of writing (23 January 2020).

Alternatively, you may also get a quotation for your required coverage via their website.

Pros and cons of Sompo travel insurance

Benefits

  • Full terrorism cover (excluding Vital plan). You’ll be covered against unexpected acts of terrorism whilst you are travelling.
  • Leisure amateur sports cover (excluding Vital plan). Enjoy coverage for sedate activities such as scuba diving (up to 30m), skiing and hot air balloons.
  • Pre-existing medical conditions cover (excluding Vital plan). Pregnancy-related complications and pre-existing medical conditions (such as asthma or heart conditions) are covered.
  • Frequent flyer points cover. Sompo will pay for loss of frequent flyer or similar travel points you used to purchase an airline ticket following an eligible trip cancellation or postponement if you’re unable to recover the lost points from any other source.
  • Unlimited overseas emergency evacuation. All tiers of cover other than Vital (capped at $600,000) are entitled to unlimited evacuation cover, so you don’t have to worry about any evacuation costs if your condition is life-threatening.
  • 24-hour emergency assistance. Regardless of where you’re travelling, Sompo has a support team working round the clock to handle your policy purchase, manage your claim and oversee any emergency medical assistance.

Drawbacks

  • Lackluster coverage for Vital plan. Sompo’s most affordable plan, the Vital Plan, has a low price point but its benefits pale in comparison to other alternatives on the market. The Vital plan is also unavailable for annual or multi-trip policies.
  • Low coverage for personal accident and death. Compared to other insurers, Sompo offers very little in the way of personal accident or death benefits for its Vital plan. You (or your beneficiaries) will only be compensated up to $150,000 in the event of such incidents. Medical expenses incurred overseas is also capped at $150,000.
  • No extreme sports coverage. If you want to participate in professional sports or high-risk activities, like mountaineering or motor rallies, know that Sompo does not cover these activities.

    Apply for Sompo TravelJOY

    If you’ve compared your options and decide to obtain coverage for your overseas trip from Sompo, simply head over to their website to purchase your cover. Select the type of cover (single or annual trip), group type (individual or family), your destination, travel duration and input your personal details. You’ll then receive a quotation for your cover and may proceed to purchase the insurance online.

    You may also purchase your cover conveniently from the Sompo SG app, available on App Store and Google Play.

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