Sompo Travel Insurance (Sompo Travel Joy ) Overview 2019

Want to explore the new locations, worry about any misshapen especially when you travel for a nice holiday.  Protect yourself and your loved ones with Sompo Travel Joy offered by Sompo Travel Insurance.

These travel insurance plans are designed for the traveler looking for a good deal on a solid travel insurance plan. The plan is packed with comprehensive coverage and you can rely on for an enjoyable, worry-free trip!

Before we dissect in The Sompo Travel Insurance plan. Let’s know briefly about Sompo.

About Sompo

The company is originating from Japan and is a member of SOMPO HOLDINGS. Sompo has been providing insurance in Singapore since 1989.

Plans offer by Sompo TravelJoy

To cater to different needs, Sompo TravelJoy provides different plans like:

The Cheap Vital Plan

The mid-tier Deluxe Plan

Go Japan

The premium Elite Plan

Notably, The Go Japan is specially catered for travelers to Japan.

All of Sompo’s three policies are not created equally. Continue reading, our in-depth breakdown of policies will help you to decide which one of Sompo travel insurance policies is a good fit for your next trip.

Sompo Travel Joy

  1. Sompo Travel joy Vital Plan: Sompo’s Vital Plan is the cheapest and affordable plan. You cannot buy annual/multi-trip policies with this plan. The Vital Plan is less expensive than most plans; you can find better prices with Insurance market without compromise on coverage. Sompo’s Vital Plan offers better coverage for trip and baggage delays.

The plan offers high coverage in personal accident/death, emergency medical and trip cancellations.

For Single Trip and Annual Trip (Individual)

Benefits

Single Trip

Annual Trip

Personal Accident – Natural Disaster

Adult S$150,000

Elderly S$50,000

Adult S$250,000

Elderly S$50,000

 

Personal Accident – Schedule of Compensation

Death by accident 100%

Death by accident 100%

Medical Expense Benefits – General Coverage (Outside of Singapore)

Adult S$150,000

Elderly S$50,000

Chinese Physician S$500

Overseas Hospital Allowance S$4,000

Adult S$300,000

Elderly S$50,000 Chinese Physician S$500

Additional Accommodation S$15,000

Additional Travelling Expenses S$15,000 Pregnancy Related Expenses S$100 Overseas Hospital Allowance S$20,000 Overseas Hospital Allowance (ICU) S$20,000

Medical Expense Benefits – General Coverage (In Singapore)

Adult S$3,000

Elderly S$300

Adult S$15,000

Elderly S$500

Emergency Benefits – General Coverage

 Hospital Visit (Accommodation & Return Trip) S$5,000

Compassionate Visit (Accommodation & Return Trip) S$3,000

Hospital Visit (Accommodation & Return Trip) S$15,000 Compassionate Visit (Accommodation & Return Trip) S$3,000 Child Care (Accommodation & Return Trip) S$15,000

Emergency Benefits – Emergency Medical Assistance & Evacuation

Adult S$600,000

Elderly S$100,000

Adult Unlimited

Elderly S$100,000

Emergency Benefits – Repatriation

Emergency Medical Repatriation S$600,000 Repatriation of Mortal Remains/ Local Burial S$30,000

Emergency Medical Repatriation Unlimited Repatriation of Mortal Remains/ Local Burial S$30,000

Travel Inconveniences & Other Benefits – General Coverage

Baggage & Personal Belongings S$3,000 Portable Devices S$500

Baggage Delay S$1,000

Money & Travel Documents S$3,000

Personal Liability S$1,000,000

Travel Delay S$1,000

Flight Diversion S$1,000

Overbooked Flight S$150

Flight Misconnection S$200 Emergency Mobile Phone Charges S$100

Baggage & Personal Belongings S$5,000

Baggage & Personal Belongings S$5,000 Portable Devices S$1,000 Essential Items Baggage Delay S$1,000 Money & Travel Documents S$3,000 Credit Cards Personal Liability S$1,000,000 Loss of Deposit or Cancellation S$6,000 Replacement Traveller S$6,000 Collapse of Travel Agency S$6,000 Travel Delay S$1,000 Flight Diversion S$1,000 Trip Curtailment S$6,000 Overbooked Flight S$150 Flight Misconnection S$200 Rental Car Excess S$1,000 Emergency Mobile Phone Charges S$150 Sports Equipment Hijacking S$5,000 Kidnap & Hostage S$5,000 Home Care Benefit Pet Care Terrorism S$250,000 Golf Equipment (Owned) S$500

 

 

 

 

Benefits for Single trip and Annual Trip with family

Benefits

Single Trip with Family

 

 

Personal Accident – Natural Disaster Adult

S$150,000 Elderly S$50,000 Child S$50,000

Adult S$250,000

Elderly S$50,000

Personal Accident – Schedule of Compensation

Death by accident 100%

Death by accident 100%

Medical Expense Benefits – General Coverage (Outside of Singapore)

Adult S$150,000 Elderly S$50,000 Child S$150,000 Chinese Physician S$500 Overseas Hospital Allowance S$4,000

Adult S$300,000

Elderly S$50,000 Chinese Physician S$500

Additional Accommodation S$15,000

Additional Travelling Expenses S$15,000 Pregnancy Related Expenses S$100 Overseas Hospital Allowance S$20,000 Overseas Hospital Allowance (ICU) S$20,000

Medical Expense Benefits – General Coverage (In Singapore)

Adult S$6,000 Elderly S$500

Adult S$15,000

Elderly S$500

Emergency Benefits – General Coverage

Hospital Visit (Accommodation & Return Trip) S$10,000 Compassionate Visit (Accommodation & Return Trip) S$6,000

Hospital Visit (Accommodation & Return Trip) S$15,000 Compassionate Visit (Accommodation & Return Trip) S$3,000 Child Care (Accommodation & Return Trip) S$15,000

Emergency Benefits – Emergency Medical Assistance & Evacuation

Adult S$600,000 Elderly S$100,000 Child S$600,000

Adult Unlimited

Elderly S$100,000

Emergency Benefits – Repatriation

Emergency Medical Repatriation S$600,000 Repatriation of Mortal Remains/ Local Burial S$30,000

Emergency Medical Repatriation Unlimited Repatriation of Mortal Remains/ Local Burial S$30,000

Travel Inconveniences & Other Benefits – General Coverage

Baggage & Personal Belongings S$6,000 Portable Devices S$500 Essential Items Baggage Delay S$1,000 Money & Travel Documents S$5,000 Personal Liability S$1,000,000 Overbooked Flight S$150 Flight Misconnection S$200 Emergency Mobile Phone Charges S$100

Baggage & Personal Belongings S$5,000

Baggage & Personal Belongings S$5,000 Portable Devices S$1,000 Essential Items Baggage Delay S$1,000 Money & Travel Documents S$3,000 Credit Cards Personal Liability S$1,000,000 Loss of Deposit or Cancellation S$6,000 Replacement Traveller S$6,000 Collapse of Travel Agency S$6,000 Travel Delay S$1,000 Flight Diversion S$1,000 Trip Curtailment S$6,000 Overbooked Flight S$150 Flight Misconnection S$200 Rental Car Excess S$1,000 Emergency Mobile Phone Charges S$150 Sports Equipment Hijacking S$5,000 Kidnap & Hostage S$5,000 Home Care Benefit Pet Care Terrorism S$250,000 Golf Equipment (Owned) S$500

 

 

 

 

 

Highlights of Sompo Travel Joy Vital Plan for Individual and With Family respectively

  • Coverage Score 6.2/10 / 6.5/10 Overseas Medical Cover S$150,000 / S$150,000
  • Trip Cancellation S$5,000/ S$10,000
  • Loss/Damage of Baggage S$3,000/ S$6000

Leisure Activities & Covered

  • Bungee Jumping Hiking
  • Hot Air Balloon Ride
  • Scuba Diving
  • Sky Diving Snow/Ice Sports

Get 40% off on Sompo TravelJoy Vital Plan at Insurance Market*

  1. Sompo Travel Joy DELUXE Plan: The plan offers a medium, balanced level of coverage in most areas. The Deluxe Plan provides roughly the same degree of protection at a lower price. For travellers seeking higher coverage from their travel insurance plan go for Sompo Traveljoy deluxe plan.

Sompo Travel Joy Deluxe Individual Plan: A comprehensive plan suitable for frequent golfers and/or scuba divers. Covers reconstructive surgery due to burns. Below are the benefits offered by Sompo TravelJoy Deluxe Plan.

Note: No pet’s benefit and policy covers not more than 90 days for Annual Multi-Trip Policy.

Sompo TravelJoy Deluxe Plan for Family: A comprehensive plan perfect for frequent golfers and/or scuba divers. Covers reconstructive surgery due to burns.

Note: No pet’s benefit and policy covers not more than 90 days for Annual Multi-Trip Policy. Elderly: Above 70 years 

Adult: Above 18 years to 65 years

Highlights of Sompo Travel Joy Vital Plan for Individual and With Family respectively

Coverage Score 8.0/10

Overseas Medical Cover S$300,000, Loss/Damage of Baggage S$10,00, Trip Cancellation S$10,000

 Leisure Activities & Covered

  • Bungee Jumping Hiking
  • Hot Air Balloon Ride
  • Scuba Diving
  • Snow/Ice Sports

Get your Sompo Travel Insurance Deluxe plan at 40% off from Insurance Market*.

  1. Sompo Travel Joy Go Japan: The plan is first of its kind in Singapore. This plan is specifically designed for travellers visiting to Japan, the land of rising Sun.

Highlights:

  • Personal Accident Coverage up to $500,000
  • Medical Expenses (Incurred Overseas) Coverage up to $1,000,000
  • Full Terrorism Cover
  • 24/7 Emergency hotline

The Sompo TravelJoy Deluxe and GO Japan plans cover activities like skiing, scuba diving, and hot air balloons.

  1. Sompo Travel Joy Elite: Sompo Travel Insurance Elite Plan is a high-value and a solid premium plan at a bargain price. The Plan features an attractive combination of medium coverage with no weak points. Moreover it is among the lowest prices within the luxury tier of travel insurance policies.

Highlights of Sompo TravelJoy Elite Plan

Coverage Score 9.0/10

Overseas Medical Cover S$1,000,000

Trip Cancellation S$25,000

Loss/Damage of Baggage S$16,000

Get your Sompo Travel Insurance Elite plan at 40% off from Insurance Market*.

Exclusions

Medical Exclusions

Trip Inconvenience and Sports Exclusions

Detention, destruction by customs or other officials or authorities

Claims arising from any dishonest, fraudulent/unlawful act committed by insured person

 

Losses of items for which insurance is forbidden by law

Health supplements, probiotics, skin care products and vitamins, prebiotics (purchased over the counter or prescribed by a Registered Medical Practitioner)

 

Any government intervention, regulation

 

Engaging in aerial activities (except for hot-air ballooning)

Routine physical examinations, any other tests not related to the treatment of any Injury, Illness, or Sickness or any treatment of a preventive nature like vaccinations, treatment for obesity, weight reduction and weight improvement programmed

 

Travel undertaken against medical advice or for the medical treatment

Any Infectious Disease that is notified or announced as an epidemic or pandemic by the Government of the Republic of Singapore or health authority in Singapore; and a pandemic by WHO

 

HIV / AIDS and/or any mutant derivatives or variations thereof however caused

Claims by Sompo Travel Insurance

  • Emergency hotline: Call Sompo Assist Hotline at +65 6532 2522 for emergencies or any claim exceeding S $5,000,
  • Online claims: There are a few claims that you can fill in or you can download the claims form here and email with your documents to claimsreport@sompo.com.sg.
  • The app claims: Install the app Sompo SG and submit the supporting documents via this app. Claims submitted through the app are instantly submitted and serve on priority assessment.

Which plan out of all is best?

It’s hard to say, which plan is best for you and your family to opt for, every plan has its own pros and cons. Choose as per your requirements and budget. However, I would suggest you to take “Go Japan!” Plan if you are traveling to the land of the rising sun. Japan is a very safe place to visit, but its language and bureaucracy can be pretty much impossible for an outsider to penetrate. And Sompo Traveljoy provides 24*7 service to handle the matter. Though it cost a bit more than the deluxe plans and offers almost the same benefits. But the plan has its own perk.

Sompo Travel insurance company runs a hotline where an English or Chinese speaking officer can help you with matters like making a medical appointment and lodging a police report

Sompo travel insurance can settle your medical bill at 740 hospitals and clinics in Japan. Need not to bear medical expenses upfront.

In case you have pre-existing medical conditions, then consider Sompo Travel Joy Deluxe plan, even if you’re not traveling to Japan. If anything happens, you can get evacuated home for free thanks to the unlimited coverage for medical evacuations. Sompo basic vital plan doesn’t cover outdoor activities. So at least go for Deluxe.

Points to be taken care:

  • The insured person must be Singapore residents, a permanent resident or a valid employee, student.
  • Plans for children under the age of 16 must be made in the name of their parent or guardian.
  • The maximum duration for Annual Multi-Trip Plan is 90 and for days for Single Trip Plan is 182 days each trip (multiple trips are allowed)
  • Claims must be reported within 30 days of your return to Singapore

Be sure to check the Insurance market to get the latest discount and new added benefits to the Sompo Traveljoy plan. The expert will guide you with the best plan that will be in your budget and cater all your needs. It is always good to do a comparison and take expert advice.

Insurance Market is a market place where we are serious about insurance and where professional parties come together to transact insurance only in the best and most responsible manner. Insurance Market offers a wide range of general insurance products (such as travel insurance, maid insurance, pet insurance and more) online and life insurance through personal advice from our qualified brokers.Please contact us at support@insurancemarket.sg or +65 69081811 if you have any questions.

 

 

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