Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs Getsafe
Where ARAG and Getsafe differ
| Compare |  ARAG |  Getsafe |
|---|---|---|
| Premium from | €14.73 | €2.90Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | Up to 4x the official German vet fee rate |
| Claims channels | Online, Phone | App, Phone, Chat |
Same on both: Monthly payments (Yes), Excess from (€0).
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Key differences
- ARAG scores higher overall: 9.4 vs 9.1.
- Founded is lower at ARAG: 1935 vs 2015.
- ARAG is available in 16 more countries.
- Premium from is lower at Getsafe: €2.90 vs €14.73.
- Insurance types: only ARAG offers Gadget.
- Insurance types: only Getsafe offers Life, Income protection.
- Claims channels: only ARAG offers Online.
- Claims channels: only Getsafe offers App, 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.
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | ARAG | Getsafe |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.3 | 9.5Higher |
| Trust | 9.6Higher | 8.6 |
How they place
| Ranking | ARAG | Getsafe |
|---|---|---|
| Home insurance | 49 of 273 | 18 of 273 |
| Health insurance | 41 of 215 | 18 of 215 |
| Travel insurance | 79 of 295 | 27 of 295 |
| Pet insurance | 37 of 163 | 11 of 163 |
| Dental insurance | 16 of 50 | 8 of 50 |
Every fact side by side
| Fact | ARAG | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | 1935Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Chat, Help centre |
Where each stands against the rest
| Fact | ARAG | Getsafe | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €2.90below the median | €5.97 |
| Excess from | €0below the median | €0below the median | €70 |
Median across 109 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.
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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.
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | Getsafe |
|---|---|---|
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 18 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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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