Travel safely and smartly with COVID-19 coverage

For trips commencing on or after 13 Oct 2021:
If you are Fully Vaccinated* prior to your trip, NO pre-departure COVID-19 PCR test is required for you to be covered!
*as per defined in accordance to our policy wording.

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Wherever you travel, pack some peace of mind.

Travel (COVID-19) Insurance

Travelling can be daunting during these unprecedented times. Let Travel (COVID-19) insurance take care of the essential coverage you need should you be diagnosed with COVID-19 prior or during your trip. Get protected and avoid getting caught unprepared!

Important Notice:
For policies purchased from 25 Jul 2021 onwards:
Travel (COVID-19) will extend to cover travel to all countries except Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria. However, we will exclude claims arising directly or indirectly from travelling Overseas against a travel advisory issued by the Singapore government for event(s) unrelated to COVID-19.

For policies purchased from 25 Mar – 24 Jul 2021:
•  Travel (COVID-19) Insurance will not provide coverage if You are travelling Overseas against a travel advisory issued by the Singapore Government as indicated in Ministry of Health (https://www.moh.gov.sg/covid-19) website.
•  However, for travel for business, official and work purposes, we will extend to cover travel to all countries except those listed here at time of purchase.
Policy terms and conditions apply.

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 $2,000
Section 4 Trip disruption
Overall section limit $1,000 $3,000 $2,000 $6,000
Limit for accommodation expenses per room per night $300 $300
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 $400
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 $200
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 $300
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 $100
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 $100

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:

  1. one Adult, or two Adults who are in a marital relationship or partners at the time of applying for the Policy; and
  2. 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

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).

Am I required to be fully vaccinated before departing from Singapore to enjoy all the benefits under my Travel (COVID-19) insurance policy?

For trips commencing before 13 Oct 2021, you are not required to be fully vaccinated but you are required to have taken and tested negative for a pre-departure COVID-19 PCR test within 72 hours prior to departing from Singapore in order to be covered for Sections 24 - 29.

For trips commencing on or after 13 Oct 2021, you will not be required to take a PCR test if you are fully vaccinated prior to departing from Singapore. However, if you are not fully vaccinated prior to your trip, then you are required to have taken and tested negative for a pre-departure COVID-19 PCR test within 72 hours prior to departing from Singapore in order to be covered for Sections 24 – 29.

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].

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