Updated September 28, 2026 · SumCue Editorial Team
Europaeiske ERV DK vs Figo
Europaeiske ERV DK
Higher score in this comparison
Figo
What sets them apart
| Compare | Europaeiske ERV DKReviewSee alternativesSee alternatives | FigoReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Health, Gadget | Pet |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Online | Mobile app (Pet Cloud), Online claim tracker, Email, Phone |
| Age range | under 36 for Rejseforsikring Ung and Backpacker | Policyholders 18 or older; pets covered from 8 weeks with no upper age limit |
| Monthly payments | Not confirmed | Yes |
| Excess from | DKK 0 | Not confirmed |
| Cover limit | Not confirmed | USD 5,000 to unlimited per year (Essential $5,000, Preferred $10,000, Ultimate unlimited) |
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Key differences
- Europaeiske ERV DK scores higher overall: 9.4 vs 8.9.
- Insurance types: only Europaeiske ERV DK offers Travel, Health, Gadget.
- Insurance types: only Figo offers Pet.
- Claims channels: only Europaeiske ERV DK offers Online.
- Claims channels: only Figo offers Mobile app (Pet Cloud), Online claim tracker, Email.
- Support channels: only Europaeiske ERV DK offers Help centre.
Our verdict on each
Europaeiske ERV DK
Europaeiske ERV DK is a Danish insurer built around expats, with travel as the core product and health and gadget cover alongside it, and an excess of DKK 0 on the listed policies. It suits people living in Denmark who travel out, and falls short for anyone wanting motor, home or life lines.
Figo
Figo is a broker for pet insurance based in the US, taking the policy to the insurer rather than carrying the risk itself. It suits owners who pay monthly and claim from the app, and the median starting premium across the pet insurance comparison is €9.
Score breakdown
| Area | Europaeiske ERV DK | Figo |
|---|---|---|
| Cost | 9.6Higher | 9.1 |
| Offer | 8.8Higher | 8.7 |
| Trust | 9.6Higher | 8.7 |
What each covers
| Insurance types | Europaeiske ERV DK | Figo |
|---|---|---|
| Health | Yes | No |
| Travel | Yes | No |
| Pet | No | Yes |
| Gadget | Yes | No |
Positions in our rankings
| Ranking | Europaeiske ERV DK | Figo |
|---|---|---|
| Insurance | 90 of 627 | 326 of 627 |
Where each is licensed and available
| Country | Europaeiske ERV DK | Figo |
|---|---|---|
| United States | Not confirmed | Illinois Department of Insurance 100629614 New York Department of Financial Services PC-1362903 Texas Department of Insurance 1960094 |
Additional countries for Europaeiske ERV DK: 1. Additional countries for Figo: 1.
Sources behind this comparison
Europaeiske ERV DK
- europaeiske.dk: 10 facts, checked September 26, 2026
Figo
- figopetinsurance.com: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Europaeiske ERV DK | Figo |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | ERGO Forsikring A/S (CVR 62940514), formerly Europæiske Rejseforsikring A/S | Figo Pet Insurance, LLC |
| Headquarters | Denmark | United States |
| Founded | 1921 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Pros and cons
Europaeiske ERV DK
Pros
- A Danish insurer founded in 1921, with policies written by ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S.
- Travel, health and gadget cover sit in one range: travel, health and gadget.
- The listed excess is DKK 0, so nothing is held back on a straightforward claim.
Cons
- The range is travel, health and gadget, so motor, home and life lines are not part of the offer here.
- The age rule is under 36 for Rejseforsikring Ung and Backpacker, so older travellers buying only the young or backpacker policies have to look elsewhere.
- Euroasia Insurance covers auto, home and travel, a wider set of personal lines than this range.
Figo
Pros
- Claims can be filed through mobile app (Pet Cloud), online claim tracker and email, so a claim is not tied to a single channel.
- Cover is sold as pet insurance on a monthly basis, and monthly payments are available.
- Licensed in the US by the California Department of Insurance, the Texas Department of Insurance, the Florida Office of Insurance Regulation, the New York Department of Financial Services and the Illinois Department of Insurance.
Cons
- Figo is a broker, so the cover and its terms sit with the insurer rather than with Figo.
- Policy help runs on email and phone, with no live chat listed for questions.
- Essential and Preferred cap annual cover, and only the Ultimate plan is unlimited.
Who each suits
Europaeiske ERV DK
Who it suits
- Expats based in Denmark who travel back to their home country.
- Backpackers and young travellers who meet the age rule in under 36 for Rejseforsikring Ung and Backpacker.
- Anyone wanting health and gadget extras on the same trip policy, since travel, health and gadget covers all three.
Who should look elsewhere
- Linxea, whose cover is life, suits people saving for life cover rather than a trip.
- Oney Préstamos ES, listing health, life and gadget, is the pick when treatment cover matters more than the journey.
- Euroasia Insurance, covering auto, home and travel, fits households wanting motor and home lines in one place.
Figo
Who it suits
- US pet owners who pay monthly rather than settling a year of cover at once.
- Owners comfortable claiming through mobile app (Pet Cloud), online claim tracker and email.
- Owners of older pets, since there is no upper age limit on cover.
Who should look elsewhere
- Shoppers after life cover, since Linxea sells life and Figo sells pet only.
- People after health or gadget policies, since Oney Préstamos offers health, life and gadget.
- Buyers after home, auto or travel insurance, since EuroAsia Insurance offers auto, home and travel.
Country by country
| Country | Europaeiske ERV DK | Figo |
|---|---|---|
| Denmark | Yes | No |
| United States | No | Yes |
Questions about each
Europaeiske ERV DK
How much does a policy cost?+
The listed excess is DKK 0, and the premium you pay depends on trip length, destination and cover level rather than one published price. Across the site's insurance listings, starting premiums have a median of €7.95, so use that as a yardstick for your quote.
Who is behind the policy?+
The policy is written by ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S, which sits in DK and has traded since 1921. It is listed as insurer, so the contract runs with the company named on the document rather than through an intermediary.
Figo
What kind of insurance is Figo?+
Figo covers pet insurance only, and it works as a broker rather than an insurer, so policies sit with the carrier it places you with. The company is based in the US and holds licences in several US states.
How much does a Figo policy cost?+
Pricing is set by the insurer Figo places the policy with, so the quote comes at the point of sign-up. As a guide, the median starting premium in the pet insurance comparison is €9, and the highest starting premium in that category reaches €670.88.
Other options to compare
Europaeiske ERV DK
Figo