Updated September 28, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs WorldTrips
ERGO Group Deutschland
Higher score in this comparison
WorldTrips
What sets them apart
| Compare | ERGO Group DeutschlandReviewVisitVisit | WorldTripsReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | USD 2,000,000 overall maximum (Atlas Travel) |
| Claims channels | Online, Phone | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Age range | Under 36 (13% start bonus for young people) | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
Same on both: Provider type (Insurer).
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Key differences
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only WorldTrips 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.
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 | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Cost | 9.3Headline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.6HigherCost 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 | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Insurance | 18 of 627 | 22 of 627 |
| Travel insurance | 10 of 278 | 14 of 278 |
Pick ERGO Group Deutschland if, pick WorldTrips if
Pick ERGO Group Deutschland if insurance types matter most.
Pick WorldTrips if cost matter most.
Every fact side by side
| Fact | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | WorldTrips Insurance Services |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Email, Chat, Phone | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ERGO Group Deutschland | WorldTrips | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €6.02 |
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 116 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.
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
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.
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
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
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 | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| 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.
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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