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Sompo Travel Insurance: Worth a Buy?

Sompo's three travel insurance plans can be characterised as providing middle of the market, balanced protection in most, if not all coverage areas and below-average prices.

Sompo Travel Insurance: Worth a Buy?

Sompo's three travel insurance plans can be characterised as providing middle of the market, balanced protection in most, if not all coverage areas and below-average prices.


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  • Elite plan provides seamless coverage across all categories
  • Deluxe plan is very cheap for short trips in ASEAN


  • Vital plan doesn't have annual policy
  • Vital and Deluxe plans don't stand out despite their below average prices due to lackluster benefits

Sompo's suite of travel insurance plans are designed for the traveller looking for a good deal on a solid travel insurance plan that comes without any headache-inducing gaps in coverage. But not all of Sompo's three policies are created equal, and each plan measures up differently against the competition. To help you decide if one of Sompo's travel insurance policies will be a good fit for your next trip, continue reading for our in-depth breakdown of the cheap Vital Plan, the mid-tier Deluxe Plan and the premium Elite Plan.

Summary of Sompo Travel Insurance
Vital plan lacks annual policy option
Deluxe plan offers very cheap prices for short trips in ASEAN region
Elite Plan is a good value pick with seamless coverage across all categories
Vital and Deluxe plans offer below-average prices but there are better or cheaper alternatives available
SGSaver Exclusive Promotion: Get up to S$5 Reward via PayNow

Table of Contents

Sompo TravelJoy: What You Need to Know

Sompo's three travel insurance plans can be characterised as providing middle of the market, balanced protection in most, if not all coverage areas and below-average prices. On the one hand, these plans' relatively seamless coverage means that you won't have to worry about your plan not being there for you when you need it, no matter what kind of circumstance arises. On the other hand, in failing to stand out in any significant way from other plans on the market, Sompo's plans lack that "X factor" that could help make them a clear top choice. Of the three, Sompo's premium-tier policy, the Elite Plan, settles most comfortably into a definitive niche, providing coverage that meets the industry standard at a bargain price. The budget-tier Vital Plan and mid-tier Deluxe Plan, however, tend to be outperformed by other plans on the market that provide better coverage for the same price or similar coverage for a lower price.

This graph compares the price of all the major travel insurance policies in Singapore for a 1-week trip in the ASEAN region in order to help consumers find the cheapest travel insurance for their trip.

There are some unique benefits that Sompo offers that can benefit families looking to maximise medical and accident coverage. This includes quarantine allowance for normally excluded diseases such as SARS, tuberculosis, H1N1, mumps, rubella and rabies. Additionally, there is a war and terrorism cover, coverage for reconstructive surgery due to burns and recuperation allowance due to accidental miscarriage. This makes Sompo a good choice for families who are expecting or who have young children/elderly relatives who are prone to getting sick. However, you will get the most of these benefits only if you purchase the Elite or Deluxe plans, so if you are in the market for a medically comprehensive budget plan, you may have better luck with other insurers.

Notable Exclusions

Along with a handful of other insurers, Sompo will cover you for war if you are an innocent bystander, accidental miscarriage and certain infectious diseases. Otherwise, the rest of the exclusions are quite standard. You are not covered for manual or hazardous work, pre-existing conditions, trips taken for a specific medical purpose and loss or damage done to items caused by detention or confiscation by official employees.

Medical ExclusionsTrip Inconvenience Exclusions
Medical Expenses for pre-existing conditionsEngaging in sport for compensation
Pregnancy-related events unless accidental miscarriageItems taken by customs officials
Suicide and mental illnessBaggage sent separately or items left unattended
Cosmetic or elective surgery (unless necessitated by injury)Fragile articles
Travelling when you are medically unfitInability to travel due to business or contractual obligations
Travelling for medical purposesHunting, skydiving, paragliding, potholing, rock climbing

Sompo Vital Plan

Sompo's cheapest plan, the Vital Plan, is an affordable plan that fails to stand out noticeably from other alternatives on the market. Frequent fliers should note that you cannot buy annual/multi-trip policies with this plan. In terms of price, the Vital Plan is priced most similarly to Allianz Global Assistance's Bronze Plan, for most types of trips costing within about S$2 of Allianz Global Assistance's budget plan. However, in our judgment, the Allianz Global Assistance Bronze Plan has Sompo Vital beat when it comes to value for your money. This is because Allianz Global Assistance's Bronze Plan has better protection for the sorts of disruptions or accidents that are more likely to occur (such as trip cancellations and delays and baggage issues), and therefore, you'll have better protection.

While the Vital Plan is less expensive than most plans, better prices can be found with other insurers without having to compromise on coverage. Etiqa's Basic Plan features coverage that is highly similar to Sompo Vital despite tending to be cheaper, with Sompo's Vital Plan offering better coverage for trip and baggage delays. However, it is worth repeating that if you're willing to pay a little more for better coverage in these two areas, Allianz Global Assistance Bronze gives you even greater protection for the same amount of money. FWD Vital, which offers higher coverage in personal accident/death, emergency medical/evacuation/repatriation and trip cancellations than Sompo Vital, is another high-value pick that also tends to be cheaper than Sompo Vital.

Vital Plan PriceBasic Plan Average
1-Week ASEANS$21.45S$31.30
1-Week GlobalS$40.15S$54.54
Annual ASEANN/AS$196.90
Annual GlobalN/AS$282.49
1-Week ASEAN Value Ratio0.750.62
1-Week Asia Value Ratio0.720.67
1-Week Global Value Ratio0.690.65
Total Medical & Personal AccidentS$300,000S$416,923
Trip Inconvenience (Baggage delay, cancellations, postponement)S$10,000S$10,904

Sompo Deluxe Plan

Compared to other second-tier travel insurance plans, Sompo's Deluxe Plan offers a medium, balanced level of coverage in most areas at prices that are below the industry average. Nevertheless, like the Sompo Vital Plan, the Deluxe Plan is outshone by other policies within the tier that provide you with roughly the same degree of protection at a lower price. Specifically, Budget Direct's Comprehensive Plan bears more than a passing resemblance to Sompo's Deluxe Plan while also maintaining the edge as the cheapest mid-tier plan on the market for most, if not all, kinds of trips. Although Sompo Deluxe offers S$50,000 more coverage for medical expenses, Budget Direct Comprehensive offers similar coverage for baggage, personal accident/death and trip delays, as well as S$4,000 more coverage for trip cancellations than Sompo Deluxe.

For travellers seeking higher coverage from their travel insurance plan, you can still do better than the average Sompo Deluxe Plan. We would also highlight Aviva Travel Plus and Allianz Global Assistance Silver as policies that give you particularly good value for your money and offer superior coverage within the middle tier of travel insurance plans.

Deluxe PlanMid-Tier Industry Average
1-Week ASEANS$26.95S$43.10
1-Week GlobalS$51.15S$72.45
Annual ASEANS$304.20S$238.61
Annual GlobalS$324S$340.41
1-Week ASEAN Value Ratio0.870.88
1-Week Asia Value Ratio1.810.89
1-Week Global Value Ratio0.790.91
Total Medical/Personal AccidentS$550,000S$874,688
Trip Inconvenience (Baggage delay, cancellations, postponement)S$13,000S$17,719

Sompo Elite Plan

Sompo's Elite Plan is a high-value choice for individuals seeking a solid premium plan at a bargain price. It provides considerable bang for your buck, featuring an attractive combination of medium coverage with no especial weak points and among the lowest prices within the luxury tier of travel insurance policies for many kinds of trips (especially within ASEAN). Sompo's Elite Plan also throws in S$1,000 of coverage for golf equipment, as well as a reward for getting a hole in one and an unused green fee cover, adding some luxury flavor to its functional, if not quite glamorous, featureset.

While Sompo's Elite Plan does tend to be extremely affordable for a premium travel insurance plan, its annual policies run around the middle of the pack in terms of cost. Thus, for frequent fliers seeking a bargain on a multi-trip policy, we might point you toward DirectAsia's Travel 500 Plan instead. It should also be noted that travellers seeking the best coverage money can buy may be better suited by the more expensive, yet more comprehensive luxury plans sold by Aviva (Travel Prestige) and Allianz Global Assistance(Gold).

Elite PlanTop-Tier Industry Average
1-Week ASEANS$34.10S$53.10
1-Week GlobalS$58.30S$85.88
Annual ASEANS$304.20S$308.65
Annual GlobalS$387S$431.55
1-Week ASEAN Value Ratio1.551.09
1-Week Asia Value Ratio1.381.12
1-Week Global Value Ratio1.561.17
Total Medical/Personal AccidentS$1,500,000S$1,571,875
Trip Inconvenience (Baggage delay, cancellations, postponement)S$26,000S$25,779

Sports Coverage

Sompo offers medical coverage for leisure underwater activities (scuba diving) for their Elite and Deluxe plans, as well as Golf cover for their Elite plan. If you opt for the Deluxe plan, you will only get coverage for your golf equipment. You will not be covered for trekking unless you are going to Mount Kinabalu, Mount Ophir or Taman Negara.

Golf CoverVitalDeluxeElite
Loss/Damage of EquipmentN/AS$500S$1,000
Unused Green FeesN/AN/AS$250
Damage of BuggyN/AN/AS$500
Leisure Underwater ActivityVitalDeluxeElite
Medical CoverageN/AS$250,000S$350,000

Claims Information

To submit a claim with Sompo, you can download their claim form and either send it to their office or send it by email. For medical expenses, luggage damage, flight & baggage delay and trip cancellation/rental vehicle excess/loss of hotel facilities, you can submit your claim online. All claims must be submitted within 30 days of your return to Singapore with the original supporting documentation. If your claim exceeds S$5,000, you must advise Sompo Assist within 24 hours of the event occuring. Your claim should be processed within three days of submission.

Customer Service(65) 6461 6555
24-Hour Emergency Assistance(65) 6532 2522
Claims Email[email protected]
AddressSompo Insurance SIngapore Pte. Ltd. 50 Raffles Place, #05-01/06 Singapore Land Tower, Singapore 048623
Claim FormPDF
Online ClaimsOnline

Sompo Travel Insurance Details

Making sure you're getting the best deal on your travel insurance policy means you'll be able to have peace of mind on your next vacation without breaking the budget. Below, you'll find a summary of how Sompo compares in price and coverage benefits to the industry average. If you'd like to learn more about other travel insurance plans, you can read our guide to the best travel insurance in Singapore.

VitalDeluxeEliteIndustry Average
1-Week ASEANS$21.45S$26.95S$34.10S$42.09
Annual ASEANN/AS$241.20S$304.20S$251.11
1-Week AsiaS$27.50S$35.20S$46.75S$50.11
Annual AsiaN/AS$241.20S$304.20S$266
1-Week GlobalS$40.15S$51.15S$58.30S$70.25
Annual GlobalN/AS$324S$387S$353.87
1 Week ASEAN Value Ratio0.750.871.550.86
Annual Global RatioN/A0.621.170.87
Coverage BenefitsVitalDeluxeEliteIndustry Average
Personal Accident & DeathS$150,000S$250,000S$500,000S$828,790
Emergency Medical/Evacuation/RepatriationS$600,000UnlmtdUnlmtdS$767,647
Trip CancellationS$5,000S$6,000S$15,000S$12,937
Trip DelaysS$1,000S$1,000S$2,000S$1,327
Baggage Loss DamageS$3,000S$5,000S$8,000S$5,923
Baggage DelayS$1,000S$1,000S$1,000S$1,195
Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.

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