Travel Insurance | Buy Travel (COVID-19) Online

Key Features

Common travel insurance benefits such as personal accident, medical expenses overseas, travel delay, loss of personal belongings.
Protection against hefty overseas medical expenses, trip cancellation costs and other essential coverage if you are diagnosed with COVID-19:

Benefit	Pre-Trip	During Trip
Trip cancellation due to COVID-19	✔	✖
Trip postponement due to COVID-19	✔	✖
Trip curtailment due to COVID-19	✖	✔
Trip disruption due to COVID-19	✖	✔
Medical expenses overseas due to COVID-19	✖	✔
Emergency medical evacuation and repatriation due to COVID-19	✖	✔
Overseas quarantine allowance due to COVID-19	✖	✔
Overseas hospital income due to COVID-19	✖	✔

For full details, please refer to policy terms and conditions.

Table of Cover

		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
	1) Adult 70 years old or over	$100,000	$500,000	$150,000	$1,250,000
	2) Adult under 70 years old	$200,000		$500,000
	3) Child under a family plan	$100,000		$150,000
Section 13	Medical expenses overseas
	Limit for medical aids and equipment	$1,000	$500,000	$1,500	$1,000,000
	Adult 70 years old or over	$50,000		$100,000
	Adult under 70 years old	$200,000		$400,000
	Child under a family plan	$50,000		$100,000
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 under a family plan	$5,000		$10,000
Section 15	Overseas hospital allowance
	Overall 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		$800,000
	Child under a family plan	$100,000		$200,000
Section 17	Repatriation
	Adult 70 years old or over	$30,000	$75,000	$50,000	$125,000
	Adult under 70 years old	$30,000		$50,000
	Child under a family plan	$30,000		$50,000
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 excess cover	$1,500	$1,500	$2,000	$2,000
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 under a family plan	$100,000		$150,000
Section 22	Trip cancellation due to COVID-19
	Excess $100	$2,000	$3,000	$4,000	$6,000
Section 23	Trip postponement due to COVID-19
	Excess $100	$2,000	$3,000	$4,000	$6,000
Section 24	Trip curtailment due to COVID-19
	Excess $100	$1,000	$1,500	$2,000	$3,000
Section 25	Trip disruption due to COVID-19
	Excess $100	$1,000	$1,500	$2,000	$3,000
Section 26	Medical expenses overseas due to COVID-19
	Limit for claims due to COVID-19
	Adult 70 years old or over	$25,000	$150,000	$80,000	$300,000
	Adult under 70 years old	$100,000		$200,000
	Child under a family plan	$25,000		$80,000
Section 27	Emergency medical evacuation and repatriation due to COVID-19
	Limit for claims due to COVID-19
	Adult 70 years old or over	$25,000	$250,000	$80,000	$500,000
	Adult under 70 years old	$100,000		$200,000
	Child under a family plan	$25,000		$80,000
Section 28	Overseas quarantine allowance due to COVID-19
	Limit for claims due to COVID-19	$700	NA	$1,400	NA
	Benefit per day due to COVID-19	$50	NA	$100	NA
Section 29	Overseas hospital income due to COVID-19
	Limit for claims due to COVID-19	$700	NA	$1,400	NA
	Benefit per day due to COVID-19	$50	NA	$100	NA

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.

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.)

Eligibility

This Policy is only available to You if You:

are living or working 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.

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.

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.

FAQ

COVID-19 Coverage

What countries will Travel (COVID-19) Insurance not provide coverage for?

Travel (COVID-19) Insurance will not provide coverage if You are travelling Overseas against a travel advisory for non-essential travel or all travel issued by the Singapore Government. For the latest travel advisory issued by the Singapore Government, you may visit Ministry of Foreign Affairs (https://www.mfa.gov.sg/) and Ministry of Health (https://www.moh.gov.sg/) websites.
We also do not cover travelling in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.

What can I claim for if I am tested positive for COVID-19 during the PCR test before departure?

You can claim under Section 22 (Trip cancellation due to COVID-19) or Section 23 (Trip postponement due to COVID-19) if you need to cancel or postpone your trip as a result of testing positive for COVID-19 during the PCR test before departure, subject to policy terms and conditions. In particular, we would like to highlight:
- There is an excess of $100
- Diagnosis for COVID-19 must be within 30 days prior to scheduled departure date from Singapore
- We will not pay if you are diagnosed within 14 days from the date of purchase

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

If your travel companion is also insured with Sompo, you can also claim under Section 22 or 23 for trip cancellation / postponement due to COVID-19. Policy terms and conditions apply.

What if I am tested positive for COVID-19 when I take a PCR test for an earlier trip, can I also claim for travel cancellation for this trip?

It does not matter if the PCR test is taken for an earlier trip, as long as policy conditions are met.

Do note that diagnosis of COVID-19 must be within 30 days prior to your scheduled departure date and we do not pay any diagnosis of COVID-19 within 14 days of the date of purchase of your travel policy.

What if there are changes to the travel rules e.g. defer of SG-HK Travel bubble and I am unsure of the next travel date?

Our policy does not cover for cancellation or postponement of trip due to change in travel rules.

You can call in before the insurance commences to change the policy period of insurance subject to an admin charge of $21.40 (including GST).

I am aware that I am not covered for COVID-19 whilst overseas if I have taken a pre-departure COVID-19 polymerase chain reaction (PCR) test and tested positive within 72 hours prior to my scheduled departure date. What if I am not required to undergo a PCR test and depart from Singapore without a PCR test?

In the absence of a PCR test, we will not cover any diagnosis of COVID-19 within 14 days from the start of your trip.

Other Coverages

Does the policy also cover other common Travel Insurance benefits that are not related to COVID-19?

Yes, the policy offers 21 other benefits that are not related to COVID-19 including medical expenses and travel inconvenience benefits. Please refer to policy wording for coverage details.

I understand that Known Events will not be covered. What is considered as a Known Event?

Known Event means any situation that was made known to You or You ought to have known of before the Policy was applied for, either through the transport or accommodation provider or through media reports or through a travel advisory issued by an authority (local or foreign), which may affect Your health or disrupt Your Trip, including but not limited to, a riot, strike, civil commotion, epidemic, pandemic or Natural Disaster.

Activation & Commencement of Coverage

When will the policy coverage take effect?

Cover under section 1,2, 22 and 23 starts
1. on the date We issue Your policy; or
2. as shown under the section which applies, whichever is later.
Cover under section 8 (Insolvency of travel agency) starts on the date We issue Your policy
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 shown on Your Certificate of Insurance, whichever is later.

Cover under section 12 (Personal accident) ends, whichever is earliest:

when You arrive at the place that You usually live or work after Your Trip;
three hours after You return to Singapore and leave the immigration;
three hours after the end of the period shown on Your Certificate of Insurance; or
three hours after the end of 182 days from the start of Your policy.

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, provided the trip is within 182 days from the start of your policy and subject to our approval.

Emergency Assistance & Making a Claim

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

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)

Dear Valued customers,

To help ease the financial strain due to the COVID-19 pandemic, Sompo offers Installment Payment Plan(IPP) for new personal lines and Spectra policy purchase or renewal of such policy with us. This is to ensure our customer’s insurance protection remains uninterrupted during this difficult period.

Easy!

Applicable for both new business and renewals
IPP is part of our Online application and Renewal process
6 or 12 months installment using DBS & POSB Master/Visa credit card, for premiums $500 or more

We hope with the assistance provided, we can come out of this storm together.

Travel safely and smartly with COVID-19 coverage

Travel (COVID-19) Insurance