ARAG review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
Key facts
- Best for
- Readers placing several personal risks with a single German insurer.
- Premium from
- €14.73 (Source, checked September 26, 2026)
- Insurance types
- Home, Health, Dental, Pet, Travel, Gadget (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €0 (Source, checked September 26, 2026)
- Cover limit
- Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) (Source, checked September 26, 2026)
- Claims channels
- Online, Phone (Source, checked September 26, 2026)
- Legal entity
- ARAG SE (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1935 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- arag.com
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Premium from
- €14.73 (Source, checked September 26, 2026)
- Excess from
- €0 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Legal entity
- ARAG SE (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1935 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pros and cons
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
- Monthly payments are available, and monthly matches the pattern that runs across the comparison.
- Support runs on email, chat and phone, giving phone and written routes for policy questions.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
Safety and regulation
ARAG is the insurer on this entry, which is what insurer records. For the safety of the money that changes one thing above others: the policyholder's contract is with the company that holds the premium and pays the claim, not with a broker or comparison site acting for someone else. Readers weighing an intermediary's arrangements against a direct insurer contract can use that distinction as a first filter, then weigh the strength of the insurer itself. The same distinction explains why the price of a direct policy and the price of a brokered one cannot be read as identical products.
Regulation
The licence for this entry sits with the insurer, matching insurer, and supervision in Germany is carried out by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). German supervision means the contract, its terms and any complaint are handled under German law and by a single regulator. That is the main practical difference from a UK supervised alternative on the same comparison, and it is worth settling before a reader moves a policy they hold with a UK regulated firm. Where a claim or a complaint crosses a border, the supervising regime matters as much as the cover.
What cover costs
The entry premium is €14.73 on the legal expenses policy, priced on monthly terms and payable monthly. The excess is €0, so no deduction comes off a legal expenses claim before the balance is paid. Monthly payments spread the cost across the year rather than as a single sum, which suits readers who budget month by month. Against the wider field, €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37, so the lowest entry points on the comparison are priced lower.
How ARAG compares
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.8
9.4 vs 8.7
9.4 vs 9.0
9.4 vs 9.4
ARAG vs HanseMerkur9.4 vs 9.3
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.3
9.4 vs 8.6- 9.4 vs 9.3
9.4 vs 9.3Max Life Insurance
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 8.8
9.4 vs 8.6- 9.4 vs 8.4
- 9.4 vs 8.2
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Where ARAG is available
- Available
- Austria, Belgium, Canada, Denmark, Finland, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
Who regulates ARAG and where is it based?+
ARAG is an insurer headquartered in Germany, and the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) is its regulator. German supervision means the contract and any complaint sit under German law, which is worth weighing for readers outside Germany who expected a domestic or UK regulator.
How do I make a claim on a legal expenses policy?+
Claims run on online and phone, so a case can be started online or by phone. General support is wider: email, chat and phone cover written and live routes, including a help centre. Readers should keep the two lists apart, because the claim route is narrower than the service route offered around the policy, which matters at the point a case is opened.
What kinds of policy can ARAG write?+
home, health and dental are all written by the same insurer, which means home, health, dental, pet, travel and gadget cover can sit with a single provider. Motor and life lines are not in that list, so a driver, or someone saving towards life cover, needs a separate company such as Good Sam Insurance Agency.
How does ARAG rank on price against other brands?+
On premium alone ARAG is ranked 161 of 252 brands compared, with a starting premium of €14.73. The overall score for this entry is 5.8, and the cost part of it is 5.8, which puts the price in the middle of the field rather than at either end.
How high is the legal expenses cover limit?+
The legal expenses sum insured is unlimited across Europe, while the Kompakt tier carries a fixed limit for costs outside the region. That split matters for a dispute handled in Europe, where there is no ceiling, and for a case that crosses borders, where the Kompakt limit sets the cap. The premium of €14.73 is quoted on that structure and can be paid monthly.
Who does ARAG suit?+
ARAG fits readers who want several personal risks written by the insurer itself: home, health, dental, pet, travel and gadget under home, health and dental, paid for monthly. It suits a household in Germany, or a household comfortable with a German insurer, more than a buyer who needs motor or landlord cover on the same policy.
Sources
- arag.com/en/company checked September 26, 2026
Backs: Provider type, Founded, Headquarters
“we are the largest family-owned company in the German insurance sector ... an attractive multi-line insurer”
- arag.com/en/imprint checked September 26, 2026
Backs: Legal entity, Licences
“ARAG SE, Commercial register: Duesseldorf District Court HRB 66846”
- arag.de checked September 26, 2026
Backs: Insurance types, Support channels
“Unsere Versicherungen: Rechtsschutz, Gesundheit, Haftpflicht, Reisen, Hausrat, Verein, Tiere, Firma; nav: Zahnzusatzversicherung, Hunde-/Katzenkrankenversicherung, Reiseversicherung,...”
- arag.de/rechtsschutzversicherung checked September 26, 2026
Backs: Cover limit, Excess from
- arag.de/rechtsschutzversicherung/privatrechtsschutz checked September 26, 2026
Backs: Claims channels, Pricing model, Monthly payments, Premium from
“Kompakt ab 14,73 EUR mtl.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.