Updated September 28, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs PetInsurer.com
ERGO Group Deutschland
Higher score in this comparison
PetInsurer.com
Where ERGO Group Deutschland and PetInsurer.com differ
| Compare | ERGO Group DeutschlandReviewVisitVisit | PetInsurer.comReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €3.90 | $9.95 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Pet |
| Provider type | Insurer | Comparison site |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | USD 2,000 - 10,000 annual policy limit (PetFirst plans quoted on site) |
| Claims channels | Online, Phone | Email, Fax, App |
| Age range | Under 36 (13% start bonus for young people) | 2 months to 18 years |
| Excess from | Not confirmed | $50 to $500 |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- ERGO Group Deutschland scores higher overall: 9.3 vs 8.6.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Insurance types: only PetInsurer.com offers Pet.
- Claims channels: only ERGO Group Deutschland offers Online, Phone.
- Claims channels: only PetInsurer.com offers Email, Fax, App.
- Support channels: only ERGO Group Deutschland offers Chat, Phone.
- Support channels: only PetInsurer.com offers Help centre.
Our verdict on each
ERGO Group Deutschland
ERGO Group Deutschland is a German insurer whose home contents policy starts at €3.90 a month, and it suits households that want motor, home, life, health and travel cover with a single provider. Monthly payments are available, and the provider is listed in the Vermittlerregister.
PetInsurer.com
PetInsurer.com suits UK and European pet owners who want to compare cover in one place, starting at $9.95 a month. It is a comparison site rather than an insurer, so the policy wording, limits and excess sit with the provider behind the quote you accept.
Score breakdown
| Area | ERGO Group Deutschland | PetInsurer.com |
|---|---|---|
| Cost | 9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.0Pet plans start at $9.95 and run on a monthly basis, with excesses from $50 to $500 on the PetFirst plans quoted. |
| Offer | 9.1Higher | 8.6 |
| Trust | 9.5Higher | 8.2 |
Side by side, item by item
| Insurance types | ERGO Group Deutschland | PetInsurer.com |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
Where each is licensed and available
| Country | ERGO Group Deutschland | PetInsurer.com |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for PetInsurer.com: 1.
Positions in our rankings
| Ranking | ERGO Group Deutschland | PetInsurer.com |
|---|---|---|
| Insurance | 18 of 627 | 465 of 627 |
Sources behind this comparison
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
PetInsurer.com
- petinsurer.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | PetInsurer.com |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ERGO Group AG | Compare Pet Insurance Services, Inc. |
| Headquarters | Germany | United States |
| Support channels | Email, Chat, Phone | Email, Help centre |
Where each stands against the rest
| Fact | ERGO Group Deutschland | PetInsurer.com | Median |
|---|---|---|---|
| Excess from | Not confirmed | $50 to $500below the median | $100 |
Median across 31 listed providers.
Pros and cons
ERGO Group Deutschland
Pros
- Monthly payments are available, so a policy can start without a large upfront sum.
- A single insurer for auto, home and life cover, so a household can place several risks in the same place.
- Support reaches you on email, chat and phone, so chat sits alongside email and phone.
Cons
- Email is not among its claims channels (online and phone), so a loss has to go in through the other routes listed there.
- The provider writes for its own market of DE, so a quote comes from a single national market.
- The young customer bonus described in Under 36 (13% start bonus for young people) narrows the saving to one age group.
PetInsurer.com
Pros
- Entry premium of $9.95 a month for a policy quoted on the site
- A monthly model spreads the cost of cover across the year
- Pets across the age range 2 months to 18 years can be quoted for cover
Cons
- Support runs on email and help centre only, with no phone line listed
- Excess starts at $50 to $500 on the PetFirst plans quoted, which is money you keep
- As a comparison site it passes you to a provider, so cover terms vary by quote
Who each suits
ERGO Group Deutschland
Who it suits
- Households in Germany who want motor, home and health risks with a single insurer.
- Customers who prefer to pay monthly rather than settle the premium upfront.
- Younger policyholders, since Under 36 (13% start bonus for young people) shows a start bonus aimed at young customers.
Who should look elsewhere
- Readers who want an everyday account rather than a German policy: bunq starts at €0.
- Anyone shopping the Spanish market: bunq Spain shows a premium from €0.
- People looking for a savings product rather than cover: Linxea's premium begins at €25.
PetInsurer.com
Who it suits
- Pet owners who want to see several provider quotes side by side
- Owners who prefer paying a monthly amount rather than settling a yearly sum
- Anyone whose pet is a different age, since the range runs 2 months to 18 years
Who should look elsewhere
- bunq and bunq Spain, which are banks rather than pet cover providers
- Linxea, which sells life insurance rather than pet cover
- Owners who want a named insurer with fixed policy terms
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | PetInsurer.com |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
ERGO Group Deutschland
What does ERGO charge as a starting premium?+
The Hausratversicherung Smart home contents policy starts at €3.90 a month. That is below the site median of €8.31, so the entry price sits in the cheaper part of the personal insurance range on this measure, though other lines and higher cover levels cost more.
Can I pay monthly rather than in one payment?+
Yes, monthly payments are available. The home contents policy runs on a monthly model, so the premium is spread over the year instead of being settled at the outset, starting from €3.90. That suits anyone who prefers a predictable monthly amount over a larger one-off cost.
PetInsurer.com
What does a pet policy cost on PetInsurer.com?+
Cover starts at $9.95 on the site, close to the pet insurance median of €9 across the ranking. Policies run on a monthly basis, so the cost is spread rather than paid in one go. The final price depends on the provider and the plan you accept.
Is PetInsurer.com an insurer?+
No. It is listed as a comparison site, which means it gathers quotes from providers and passes you to the one behind the plan you choose. The policy wording, cover limit and exclusions belong to that provider, not to the comparison site.
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ERGO Group Deutschland
PetInsurer.com