Updated October 13, 2026 · SumCue Editorial Team
BNP Paribas Cardif DE vs WorldTrips
WorldTrips
Higher score in this comparison
BNP Paribas Cardif DE
Where BNP Paribas Cardif DE and WorldTrips differ
| Compare | BNP Paribas Cardif DEReviewSee alternativesSee alternatives | WorldTripsReviewVisitVisit |
|---|---|---|
| Claims channels | MyCardif Leistungsportal (online, 24/7), Phone (+49 7156 1652 0), Email ([email protected]) | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Insurance types | Not confirmed | Travel |
| Excess from | Not confirmed | $0 to $5,000 |
| Cover limit | Not confirmed | USD 2,000,000 overall maximum (Atlas Travel) |
| Age range | Not confirmed | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at BNP Paribas Cardif DE: 1973 vs 1998.
- Claims channels: only BNP Paribas Cardif DE offers MyCardif Leistungsportal (online, 24/7), Phone (+49 7156 1652 0), Email ([email protected]).
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
Our verdict on each
BNP Paribas Cardif DE
For households in Germany seeking steady future cover, BNP Paribas Cardif Deutschland is an insurer with thirty years of presence in the country. It stands as a distinct insurer for a changing world with a clear German centre of gravity.
WorldTrips
WorldTrips is a US insurer aimed at expats, selling travel medical cover where the largest plan pays USD 2,000,000 overall maximum (Atlas Travel). Support runs on email, phone and help centre and claims on Member Portal (DocuSign), mail and fax, so it suits people who want direct cover with a big ceiling.
Score breakdown
| Area | BNP Paribas Cardif DE | WorldTrips |
|---|---|---|
| Cost | Not confirmed | 9.6Cost turns on the excess, which runs $0 to $5,000, and the plan limit you pick. |
| Offer | 9.1 | 9.1 |
| Trust | 9.5Higher | 9.3 |
How they place
| Ranking | BNP Paribas Cardif DE | WorldTrips |
|---|---|---|
| Insurance | 524 of 627 | 22 of 627 |
Every fact side by side
| Fact | BNP Paribas Cardif DE | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Legal entity | Cardif Allgemeine Versicherung (branch in Germany of Cardif-Assurances Risques Divers S.A., RCS Paris B 308 896 547) | WorldTrips Insurance Services |
| Headquarters | Germany | United States |
| Founded | 1973Lower | 1998 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | BNP Paribas Cardif DE | WorldTrips | Median |
|---|---|---|---|
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 31 listed providers.
Pros and cons
BNP Paribas Cardif DE
Pros
- Counts among the strongest capital banks worldwide
Cons
- German market focus limits appeal for households outside Germany
- Broad future focused protection offers little detail for specialist needs
WorldTrips
Pros
- It is the insurer itself rather than a broker or a comparison site (insurer).
- The largest plan pays USD 2,000,000 overall maximum (Atlas Travel), a high ceiling for a medical bill abroad.
- Claims can be filed on Member Portal (DocuSign), mail and fax, including a Member Portal with DocuSign.
Cons
- The range is travel only, so there is no auto, home or life cover here.
- Applicants past a certain age are capped at a much smaller policy maximum, so older travellers get a thinner ceiling.
- Support runs on email, phone and help centre only, with no live chat or branch counter.
Who each suits
BNP Paribas Cardif DE
Who it suits
- Households planning long term protection in Germany
- People valuing international backing with local knowledge
Who should look elsewhere
- Households seeking cover outside the German market
WorldTrips
Who it suits
- Expats and people relocating who need medical costs covered away from home.
- Travellers who want a high benefit ceiling and a direct insurer to deal with.
- Anyone who prefers a US insurer holding a California non-resident producer licence.
Who should look elsewhere
- Linxea, which covers life and is the pick if you want life cover rather than expat medical.
- Euroasia Insurance, which covers auto, home and travel, if you need auto or home cover alongside travel.
- Oney Préstamos ES, which covers health, life and gadget, if health or gadget cover at home is the real need.
Current offers
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | BNP Paribas Cardif DE | WorldTrips |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
BNP Paribas Cardif DE
What kind of protection does BNP Paribas Cardif Deutschland provide?+
BNP Paribas Cardif Deutschland centres its work on suitable protection for your future at every stage. You look to it for cover that stays aligned with coming life phases. The emphasis remains on appropriate future security rather than short term arrangements.
Where does BNP Paribas Cardif Deutschland focus its work?+
Germany ranks as a core market for the wider BNP Paribas group. Growth there follows continuity and forms a supporting pillar of the European strategy. The direction underlines long term commitment to German households and structures.
WorldTrips
What does WorldTrips actually insure?+
WorldTrips is an insurer rather than a broker or a comparison site, and it sells one line of cover: travel medical insurance aimed at expats. That means medical care and treatment abroad, not your car, your home or your belongings. It has been trading since 1998 and is based in the US.
How much would a serious claim pay out?+
The largest plan sets an overall ceiling of USD 2,000,000 overall maximum (Atlas Travel), so a major hospital bill abroad is not the thing that limits you. Smaller plans sit lower. You meet the excess first, which runs $0 to $5,000 depending on the plan, before the insurer starts paying the cost.
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BNP Paribas Cardif DE