Travel Insurance

Announcement

Travel Alert (For trip(s) to Bahrain, Egypt, Israel, Jordan, Kuwait, Lebanon, Oman, Palestine, Qatar, Saudi Arabia, United Arab Emirates, and Yemen) +

Please note that the U.S.-Israel-Iran Conflict is considered a known event and any resulting loss or liability (whether direct or indirect) will not be covered for trip(s) to Bahrain, Egypt, Israel, Jordan, Kuwait, Lebanon, Oman, Palestine, Qatar, Saudi Arabia, United Arab Emirates, and Yemen. This applies to:
- any Single Trip policy purchased on or after 28 February 2026, 1500 hrs; and
- any Annual policy purchased on or after 28 February 2026, 1500 hrs or if the trip is booked on or after 28 February 2026, 1500 hrs

Travel Insurance Promotion +

Adventure's calling. Travel confidently with Sompo Travel Insurance.
For spring escapes and beyond, travel with peace of mind while enjoying limited-time savings:
- 55% off* Single Trip Travel Insurance
- 30% off* Annual Travel Insurance
Promotions end on 12 Apr 2026.
*Promotion terms and conditions apply for Single Trip Travel Insurance and Annual Travel Insurance. Discount for Annual Travel Insurance is for first year premiums only.
Information correct as at 27 March 2026.

Complimentary Go Japan eSIM Promotion +

Stay connected in Japan with a complimentary 2GB eSIM^!
Planning a scenic road trip in Japan or looking to discover Japan's top food gems? Enjoy convenient data access as you explore Japan with a free Eskimo 2GB Japan-Only eSIM^ when you purchase Sompo Travel Insurance (Single Trip or Annual) by 30 Apr 2026.
Simply apply the campaign code “GOJAPAN01” at purchase.
Limited to one redemption per person, regardless of the number of policies purchased.
^Promotional gift terms and conditions apply
Information correct as at 01 April 2026.

Product Highlights

Enjoy peace of mind with our adventure coverage, which covers hiking, on-piste skiing and on-piste snowboarding (without licensed guide or instructor), scuba diving and more.

Highest rental vehicle excess coverage up to $3,000 and first insurer to include coverage of rental vehicle windshield and tyres.

Covers up to $500,000 for medical expenses incurred overseas, and up to $1 million for emergency medical evacuation.

Covers up to $1,200 for travel delay

Covers up to $2,000 for baggage delay

BUY NOW

Additional Benefits

Woman looking disappointed through a frame

Complimentary airport lounge access

Complimentary airport lounge access in the event of flight delays of 60 mins or more with Sompo Smart Delay. Click here to learn more!

Cashless outpatient service in Japan

No payment required for outpatient medical services in Japan with our exclusive cashless outpatient service. Call 65 6532 2522 for assistance or click here.

24/7 emergency hotline

24/7 emergency hotline in the event you need travel or medical assistance – call 65 6532 2522 or click here.

Find a Suitable Plan

> View full list of features and benefits

	Maximum benefit (S$) for each Trip
	Essential		Superior
	Per Insured Person	Family Total¹	Per Insured Person	Family Total¹
	Personal accident
Adult 70 years old or over	$100,000	$500,000	$150,000	$1,250,000
Adult under 70 years old	$200,000		$500,000
Child	$100,000		$150,000
Medical expenses overseas
Limit for medical aids and equipment	$1,000	$600,000	$1,500	$1,400,000
Adult 70 years old or over	$50,000		$100,000
Adult under 70 years old	$200,000		$500,000
Child	$100,000		$200,000
Trip cancellation
Overall section limit	$5,000	$15,000	$10,000	$30,000
Travel delay
Overall section limit	$800	$2,000	$1,200	$3,000
For every six hours of delay while Overseas
Adult	$100		$100
Child	$50		$50
After six hours of delay while in Singapore
Adult	$150		$150
Child	$50		$50
Baggage delay
Overall section limit	$1,200	$2,400	$2,000	$4,000
For every six hours of delay while Overseas
Adult	$200		$200
Child	$50		$50
Baggage delay after six hours when arriving in Singapore
Adult	$200		$200
Child	$50		$50
Loss or damage of baggage and personal belongings
Overall section limit	$1,000	$2,500	$1,000	$2,500
Limit for laptop	$500		$800
Limit of watches, valuables and jewellery in total	$200		$500
Limit for other items (for each item, set or pair)	$200		$500

			Essential		Superior
			Per Insured Person	Family Total¹	Per Insured Person	Family Total¹
			Section 1	Trip cancellation
	Overall section limit		$5,000	$15,000	$10,000	$30,000
Section 2	Trip postponement
	Overall section limit		$5,000	$15,000	$10,000	$30,000
Section 3	Trip curtailment
	Overall section limit		$5,000	$15,000	$10,000	$30,000
	Limit for extra expenses to return to Singapore		$1,000	$15,000	$2,000	$30,000
Section 4	Trip disruption
	Overall section limit		$1,000	$3,000	$2,000	$6,000
	Limit for accommodation expenses per room per night		$300	$3,000	$300	$6,000
Section 5	Travel delay
	Overall section limit		$800	$2,000	$1,200	$3,000
	For every six hours of delay while Overseas
	Adult		$100		$100
	Child		$50		$50
	After six hours of delay while in Singapore
	Adult		$150		$150
	Child		$50		$50
Section 6	Missed connections		$100	$600	$200	$900
Section 7	Overbooked flight		$100	$600	$200	$900
Section 8	Insolvency of travel agency		$2,000	$6,000	$4,000	$12,000
Section 9	Baggage delay
	Overall section limit		$1,200	$2,400	$2,000	$4,000
	For every six hours of delay while Overseas
	Adult		$200		$200
	Child		$50		$50
	Baggage delay after six hours when arriving in Singapore
	Adult		$200		$200
	Child		$50		$50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit		$1,000	$2,500	$1,000	$2,500
	Limit for laptop		$500		$800
	Limit of watches, valuables and jewellery in total		$200		$500
	Limit for other items (for each item, set or pair)		$200		$500
Section 11	Losing travel documents
	Overall section limit		$3,000	$7,500	$5,000	$12,500
	Limit for accommodation expenses per room per night		$400	$7,500	$400	$12,500
Section 12	Personal accident
	Adult 70 years old or over		$100,000	$500,000	$150,000	$1,250,000
	Adult under 70 years old		$200,000		$500,000
	Child		$100,000		$150,000
Section 13	Medical expenses overseas
	Limit for medical aids and equipment		$1,000	$600,000	$1,500	$1,400,000
	Adult 70 years old or over		$50,000		$100,000
	Adult under 70 years old		$200,000		$500,000
	Child		$100,000		$200,000
Section 14	Medical expenses in Singapore
	Limit for medical aids and equipment		$1,000	$15,000	$1,500	$30,000
	Adult 70 years old or over		$1,000		$2,000
	Adult under 70 years old		$5,000		$10,000
	Child		$5,000		$10,000
Section 15	Overseas hospital allowance
	Overall section limit		$3,000	NA	$6,000	NA
	Benefit per day		$100	NA	$200	NA
Section 16	Emergency medical evacuation
	Adult 70 years old or over		$100,000	$1,250,000	$200,000	$2,000,000
	Adult under 70 years old		$500,000		$1,000,000
	Child		$100,000		$200,000
Section 17	Repatriation
	Adult 70 years old or over		$50,000	$100,000	$150,000	$300,000
	Adult under 70 years old		$50,000		$150,000
	Child		$50,000		$150,000
Section 18	Compassionate visit
	Overall section limit		$3,000	NA	$5,000	NA
	Limit for accommodation expenses per room per night		$300	NA	$300	NA
Section 19	Personal liability		$500,000	$500,000	$1,000,000	$1,000,000
Section 20	Rental vehicle cover
	Overall section limit		$2,000	$2,000	$3,000	$3,000
	A. Limit for Rental Vehicle excess		$2,000	$2,000	$3,000	$3,000
	B. Limit for loss or damage to windscreen		$500	$500	$500	$500
	C. Limit for loss or damage to tyres		$200	$200	$200	$200
Section 21	Full terrorism cover (for sections 1 to 20)
	Adult 70 years old or over		$100,000	$500,000	$150,000	$1,250,000
	Adult under 70 years old		$200,000		$500,000
	Child		$100,000		$150,000
Section 22	COVID-19 cover (for sections 1 to 20, except section 14)	Refer to relevant section limits where applicable

¹Family Total means the maximum amount We will pay for each benefit section under the Family Cover during any one Trip. Each Insured Person is only allowed the maximum benefit per Insured Person in the Table of Cover.

Your Policy Toolkit

This Policy is only available to You if You:

are living in Singapore;
hold a valid Singapore identification document such as a Singapore passport, national registration identification card, employment pass, work permit, long-term visit pass or student pass;
start and end Your Trip in Singapore;
have fully paid Your premium;
are not an undischarged bankrupt;
have not committed an act of bankruptcy within the last 12 months;
have bought the Policy before You leave Singapore and the coverage date starts before You leave Singapore; and
are more than 30 days old.

Family Plan:

one Adult, or two Adults who are in a marital relationship or partners at the time of applying for the Policy; and
their Children under the same Policy.

The Child(ren) must be the legal child, or a ward, of the Adult and who is less than 21 years old or less than 25 years old in a full-time tertiary institution and is not married or employed.

Travel Policy Wording - Single Trip

Travel Policy Wording - Annual

Travel Brochure

Claims Journey

File your claims in 4 simple steps, so you can rest and recharge for your next trip.

1

Prepare basic information

1

Please have the following details ready:
• Policy Number
• Claimant NRIC / Passport Number
• Claimant Name
• Proof of travel (e.g. boarding pass, flight itinerary)

2

Prepare supporting documents

2

You will need to submit relevant supporting documents depending on the type of claim:
• Medical bills
• Medical reports
• Revised flight itinerary / boarding pass
Click here for more information

3

Submit your claim

3

Click on “Submit claims now” below to get started. Complete the online form and upload the supporting documents.

4

Claim Outcome

4

Our claims assessor will review and process your claim as soon as possible, or within 21 working days from the date all required documents are received.

Submit Claims Now

FAQ

Frequently Asked Questions

Who can be covered under Sompo’s Travel Insurance policy?

Sompo’s Travel Insurance policy is only available to You if You:

are living in Singapore;
hold a valid Singapore identification document such as a Singapore passport, national registration identification card, employment pass, work permit, long-term visit pass or student pass;
start and end Your Trip in Singapore;
have fully paid Your premium;
are not an undischarged bankrupt;
have not committed an act of bankruptcy within the last 12 months;
have bought the Policy before You leave Singapore and the coverage date starts before You leave Singapore; and
are more than 30 days old.

Can I buy travel insurance after departing Singapore?

No, you will need to purchase the policy before departing from Singapore.

Who can be covered under a Family plan?

Our Family plan covers:

one Adult, or two Adults who are in a marital relationship or partners at the time of applying for the Policy; and
their Children under the same Policy.

The Child(ren) must be the legal child, or a ward, of the Adult and who is less than 21 years old or less than 25 years old in a full-time tertiary institution and is not married or employed.

What is Sompo Smart Delay?

Sompo Smart Delay is an exclusive service offered when you successfully purchase a Travel Insurance policy from Sompo. It gives complimentary airport lounge access when your flight is delayed for at least 60 minutes. Click here for the Sompo Smart Delay Terms and Conditions. Travel insurance policyholders will receive details on how to register from Sompo via email.

How do I register for Sompo Smart Delay?

You can register for Sompo Smart Delay service here with the registration code(s) provided to you by Sompo via email. Please note that you will be required to provide your scheduled flight details as part of the registration process.

Which flights do I need to register for?

You can choose to register for your departure flight, return flight and any connecting flights, as long as it is an international flight. Sompo Smart Delay does not cover domestic flights at this point in time.

Please note that each registration code will allow you to register for up to 4 flights and you may add up to 3 insured persons for each flight that you register. Hence, the number of flights and insured persons that you may register for would be limited by the number of registration codes that you have received from us.

When will I receive the vouchers to access the lounge?

You must first complete registration for Sompo Smart Delay. If your flight is delayed for at least 60 minutes, you will automatically be sent an email notification of the delay along with your complimentary lounge vouchers. Do remember to mention LoungeKey to the lounge staff when presenting your voucher for entry.

When do I need to register for Sompo Smart Delay?

You can register at any time after receiving the policy and at least 2 hours before the scheduled departure time of the flight, as indicated on the boarding pass or flight itinerary.

If you do not register at least 2 hours before departure time, you will be considered to have waived the right to receive Sompo Smart Delay service.

If I want to change my Sompo Smart Delay registration information, how can I do it?

After you have successfully registered, you will not be able to amend any details. Please contact Sompo Contact Centre to cancel your registration and re-register.

If you re-register less than 2 hours before scheduled flight departure time, the company will consider that you have waived your right to receive Sompo Smart Delay service.

If I forget to register for Sompo Smart Delay and my trip has already commenced, can I still register for the return flight?

You can still register for your return flight provided that you complete the registration at least 2 hours before the scheduled departure time of the flight, as indicated on the boarding pass or flight itinerary.

At which airports can the Sompo Smart Delay be used?

Sompo Smart Delay service is available at airports with participating lounges in the LoungeKeyTM network, which includes more than 1,500 lounges in over 500 airports worldwide. You can refer to the list of lounges here.

When will the policy coverage take effect?

Cover under section 1 (Trip cancellation) and 2 (Trip postponement) starts:
- at the time when You book your Trip (For Annual policies only);
- on the date We issue Your policy; or
- as shown under the section which applies, whichever is later.
Cover under section 8 (Insolvency of travel agency) starts:
- at the time when You book Your Trip (For Annual policies only); or
- on the date We issue Your Policy, whichever is later.
Cover under section 12 (Personal accident) starts when You leave the place You usually live or work (whichever is later) to start Your Trip, or three hours before the start date of Your Trip, whichever is later.

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

How can I extend my Single Trip 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, provided the trip is within 182 days from the start of your policy and subject to our approval.

What is the maximum trip duration under Travel Insurance for Single Trip and Annual policies?

For Single Trip policies, the maximum trip duration which you can purchase coverage for is 182 days. For Annual policies, each trip should not exceed 90 days.

What is cashless outpatient service?

This is a service made available under both our Single Trip and Annual Travel Insurance exclusively for trips to Japan and can only be activated while you are travelling in Japan. When cashless outpatient service is required, you simply need to call our Assistance Company at (65) 6532 2522 or via online call here and they will inform you if your request is approved and arrange for an outpatient medical appointment at a medical facility within their accredited network. No upfront payment for outpatient treatment costs will be collected at the medical facility for approved requests.

Can I submit a claim for outpatient medical expenses incurred in Japan if I did not use the cashless outpatient service?

Yes, you can still submit a claim under Section 13 (Medical expenses overseas) for outpatient medical expenses incurred. Policy terms and conditions apply.

Is COVID-19 coverage included?

Yes, we offer comprehensive COVID-19 cover under Section 22, which includes coverage for Medical expenses overseas, Trip cancellation, Overseas hospital allowance and more. Please refer to the policy wording for coverage details.

What can I claim for if I am tested positive for COVID-19 before departure?

You can claim under Section 1 (Trip cancellation) or Section 2 (Trip postponement) if you need to cancel or postpone your trip as a result of testing positive for COVID-19 by a medical practitioner or government-approved test provider before departure, subject to policy terms and conditions. In particular, we would like to highlight:

Diagnosis for COVID-19 must be within 30 days prior to scheduled departure date from Singapore.
We will not pay if the policy was purchased less than 3 days prior to your scheduled departure date from Singapore.

What can I claim for if one of my travel companions is tested positive for COVID-19 before departure?

If your travel companion is tested positive for COVID-19 before departure, you can claim under Section 1 (Trip cancellation) or Section 2 (Trip postponement) if you need to cancel or postpone your trip. Policy terms and conditions apply.

Am I required to be fully vaccinated before departing from Singapore to enjoy all the benefits under my Travel Insurance policy?

We do not require you to be fully vaccinated as long as you still fulfill the requirements of the destination country and are not in breach of any government regulation.

What should I do if I need assistance while I am travelling?

You may call our 24-Hour Emergency Assistance Hotline at (65) 6532 2522

What are the documents required when making a claim?

Medical Expense Claim - Submit all original medical evidence, certificates, reports and receipts
Baggage and Personal Belongings, and Travel Documents - Submit Police Report or written confirmation from carrier made within 24 hours of loss, original receipts, invoices and all other supporting documents.
Travel/Baggage Delay, Missed Connections - Submit written confirmation from carrier
Personal Liability Claim - Do not make any offer, promise or payment or otherwise admit liability

Blogs

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