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Sompo Travel Insurance: Worth a Buy?

Sompo's two 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 two 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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Personal Accident Coverage
Trip Delay Coverage
Baggage Delay Coverage


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


  • Higher-class tier offers relatively lower coverage

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 both of Sompo's policies are not 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 basic Essential Plan, and the premium Superior Plan.

Summary of Sompo Travel Insurance

Superior Plan is a good value pick with seamless coverage across all categories

Essential Plan offers below-average prices but there are better or cheaper alternatives available
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Table of Contents

Sompo Travel Insurance: What You Need to Know

Sompo's two 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 two, Sompo's premium-tier policy, the Superior Plan, settles most comfortably into a definitive niche, providing coverage that meets the industry standard at a bargain price. The mid-tier Essential Plan, however, tends 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 Superior plan, 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 Essential Plan

Compared to other mid-tier travel insurance plans, Sompo's Essential Plan offers a medium, balanced level of coverage in most areas at prices that are below the industry average. Nevertheless, the Essential Plan is still 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 Essential Plan while also maintaining the edge as the cheapest mid-tier plan on the market for most, if not all, kinds of trips.

For travellers seeking higher coverage from their travel insurance plan, you can still do better than the average Sompo Essential 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.

Essential 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 Superior Plan

Sompo's Superior 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).

While Sompo's Superior 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 DA500 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).

Superior 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 does not offer much in terms of sports or adventurous activities coverage. Sompo offers medical coverage for leisure underwater activities (scuba diving) for their Essential and Superior plans. You will also only be covered for lesiure trekking below 3,500 metres, and for rock climbing on man-made walls.

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.

EssentialSuperiorIndustry Average
1-Week ASEANS$26.95S$34.10S$42.09
Annual ASEANS$241.20S$304.20S$251.11
1-Week AsiaS$35.20S$46.75S$50.11
Annual AsiaS$241.20S$304.20S$266
1-Week GlobalS$51.15S$58.30S$70.25
Annual GlobalS$324S$387S$353.87
1 Week ASEAN Value Ratio0.871.550.86
Annual Global Ratio0.621.170.87
Coverage BenefitsEssentialSuperiorIndustry Average
Personal Accident & DeathS$250,000S$500,000S$828,790
Emergency Medical/Evacuation/RepatriationUnlmtdUnlmtdS$767,647
Trip CancellationS$6,000S$15,000S$12,937
Trip DelaysS$1,000S$2,000S$1,327
Baggage Loss DamageS$5,000S$8,000S$5,923
Baggage DelayS$1,000S$1,000S$1,195

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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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