Wherever you travel, pack some peace of mind with TravelJoy

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Wherever you travel, pack some peace of mind.

Features / Coverage

Emergency Medical Evacuation or Repatriation
Includes pregnancy-related complications and *pre-existing medical conditions.
* not applicable to Vital plan 

Travel Delay For All Risk
Covers all causes of unexpected delays that are beyond your control.

Trip Disruption Cover
Includes up to $100 ticketed cancellation for unutilised paid event ticket (e.g. Theme park ticket, Concert) 1ST IN SINGAPORE

Go Japan! – Specially tailored plan for travellers to Japan. 1ST IN SINGAPORE
Covered cashless services at 740 clinics and hospitals.

Personal Accident Protection
to $500,000 coverage for adults aged 70 years and below.

Local and Overseas Medical Expenses
Up to $1,000,000 overseas coverage including Chiropractor, Chinese Physician and/or Physiotherapist. 

Leisure Amateur Sports cover

  • Tandem
    • Sky Diving New
    • Hang Gliding
    • Paragliding
    • Parachuting
  • Snow/Ice Sports
  • Scuba-diving (depth not exceeding 30 meters)
  • Trekking up to 3,500m above sea level Enhanced
  • Hot Air Ballooning
  • Rock Climbing (with commercial and indoor facility)
  • Bungee Jumping

Find out more: TravelJoy Brochure

Areas of Travel

Area Details

Area Name Countries
Area A Brunei, Indonesia, Malaysia, Philippines, Thailand, Vietnam.
Area B Australia, Cambodia, China (Excluding Tibet and Mongolia), Hong Kong, India, Japan, Laos, Macau, Myanmar, New Zealand, South Korea, Taiwan, and all countries listed under Area A.
Area C (Worldwide) Worldwide excluding countries List: Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan, Syria.

Country Exclusion

This insurance does not cover claims arising directly or indirectly when the Insured travelled to or through: Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan, Syria. (The information above is subject to change.)


Insured Persons must be residing in Singapore who are Singaporeans, Permanent Residents or Foreigners with valid Employment Pass, Work Permit, Dependent Pass, Student Pass or Long Term Social Visit Pass, unless otherwise agreed.

Application for Child below the age of 16 to be covered under an Individual plan must be made in the name of the parent or guardian. Limits applicable are those of child insured under a Family Plan.

Arranging for Coverage & One-Way Trip

Policy must be effected before departure and Trip must depart from and end in Singapore and extension of period of insurance must be arranged before policy expires.

One way trip departing from Singapore will cease on reaching place of residence overseas, or 2 hours upon clearing the immigrations or the policy expiry whichever is earlier.

Family Plan

Single Trip Plan – Any 1 or 2 adults traveling with any number of children can apply. The 2 adults need not be related but the children must be the legal child or ward (in the case of a guardian), grandchild, brother, sister, nephew, niece or cousin of either of the adults.

Annual Multi-Trip Plan – For Insured, spouse and their dependent children. Trip undertaken by the Insured child must be made together with at least 1 insured adult under this plan.

Child – Child insured under a Family Plan refers to dependent children below the age of 21 years old who are not married nor in employment throughout the policy period. For those in full-time tertiary institutions, the age limit will be extended to their 25th birthday.

Maximum Duration of Trip / Cancellation Refund

Single Trip Plan – up to 182 days. There will be no refund allowed once the policy has been issued

Annual Multi-Trip Plan – up to 90 days for each trip, unlimited number of trips allowed. - Refund is subject to the Company's short period rates for cancellation within 2 months of cover When you have more than 1 TravelJoy Policy covering the same Trip or another Personal policy with Sompo covering Terrorism, the maximum amount payable for acts of terrorism for all policies will be S$500,000 per person.


When will the policy coverage take effect?

The Personal Accident section is effective from the time you leave your place of residence to proceed directly to the place of embarkation in Singapore to commence travel to the intended destination(s).

For Trip Cancellation & Curtailment due to Financial Collapse (excluding losses caused by fraud) of the licensed tour operators, coverage is effective immediately from the date of issue of the policy. Other than that, coverage will be effective only if your trip is cancelled due to the other Insured Events happening within 30 days before the commencement of the trip.

All other sections will be effective only when you are overseas.

INSURED EVENTS shall mean:

1) Yours or your Travelling Companion's or a Specified Person's

  1. Death
  2. Disabling Injury
  3. Serious Sickness and/or Disease
  4. Compulsory Quarantine
on the written medical advice and /or Certification from a Registered Medical Practitioner.

2) In the event of yours or your legal spouse's miscarriage caused by traffic accident and /or accidental falling with external and visible physical injury.

3) unexpected outbreak of strike, riot & civil commotion;

4) natural disasters (typhoon, earthquake, flood and the like);

5) Adverse weather condition (for policy purchased on or after 1 December 2011);

6) in the event that you or your Travelling Companion is hijacked;

7) in the event that you or your Travelling Companion is summoned by the Court of Law to be a witness;

8) in the event that your residential home in Singapore has been seriously damaged in a fire.

All other sections will be effective only when you are overseas.

How can I extend my policy period?

You may contact your servicing intermediary, our office or call our 24-Hour Emergency Assistance Hotline before midnight of the policy expiry date to furnish your extension period and credit card details for payment of additional premium, subject to our approval.

You may like to note that you will enjoy Free & Automatic Extension of Period of Insurance in the event the Journey is necessarily extended beyond the policy period due to circumstances beyond your control and indemnifiable under the policy.

Important Notices

In the event of the happening or warning of any riot, strike or civil commotion, war or war like situations, health threatening situations, natural disasters for which travel advisory is issued by the authorities recommending postponement of all non-essential travel, the policy shall not cover such events unless the journey had already commenced prior to the advisory.

Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

Please note that the online DBS/POSB IPP will no longer be available from 6 May 2021. However, customers who wish to apply for instalment payment for their insurance premiums of $500 & above with DBS/POSB or OCBC credit card may download our Credit Card Payment Form. Please submit the completed form to [email protected].