Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs DZI
ARAG vs DZI: the differences
| Compare |  ARAG |  DZI |
|---|---|---|
| Premium from | €14.73 | €5Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Auto, Home, Life, Health, Travel, Breakdown, Home emergency |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | Travel medical expenses limit EUR 5,000 to 50,000 |
| Claims channels | Online, Phone | Phone, Online portal, Offices and service centres, Email |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | 16 to 69 years |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at ARAG: 1935 vs 1946.
- ARAG is available in 17 more countries.
- Premium from is lower at DZI: €5 vs €14.73.
- Insurance types: only ARAG offers Dental, Pet, Gadget.
- Insurance types: only DZI offers Auto, Life, Breakdown.
- Claims channels: only ARAG offers Online.
- Claims channels: only DZI offers Online portal, Offices and service centres, Email.
- Support channels: only ARAG offers Chat.
Our verdict on each
ARAG
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.
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
Score breakdown
| Area | ARAG | DZI |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.2Higher |
| Offer | 9.3 | 9.5Higher |
| Trust | 9.6 | 9.6 |
Side by side, item by item
| Insurance types | ARAG | DZI |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Breakdown | No | Yes |
| Dental | Yes | No |
| Gadget | Yes | No |
| Home emergency | No | Yes |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €14.73 for ARAG and €5 for DZI.
HanseMerkur Reiseversicherung AT reviewSources behind this comparison
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
DZI
- dzi.bg: 12 facts, checked September 26, 2026
How they place
| Ranking | ARAG | DZI |
|---|---|---|
| Home insurance | 50 of 273 | 56 of 273 |
| Health insurance | 41 of 216 | 47 of 216 |
| Travel insurance | 81 of 295 | 85 of 295 |
| Business insurance | 36 of 147 | 42 of 147 |
Every fact side by side
| Fact | ARAG | DZI |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | DZI-General Insurance |
| Headquarters | Germany | Bulgaria |
| Founded | 1935Lower | 1946 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Business insurance
| Fact | ARAG | DZI |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Property |
Where each stands against the rest
| Fact | ARAG | DZI | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €5below the median | €6.02 |
| Excess from | €0below the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
ARAG
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.
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.
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
Who each suits
ARAG
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.
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
Current offers
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
Country by country
| Country | ARAG | DZI |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | No | Yes |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Germany | Yes | No |
| Greece | Yes | No |
8 of 19 countries where either is available.
Questions about each
ARAG
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.
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
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