Updated September 29, 2026 · AssureCue Editorial Team
ARAG vs MyPhysicianPlan
Where ARAG and MyPhysicianPlan differ
| Compare |  ARAG |  MyPhysicianPlan |
|---|---|---|
| Premium from | €14.73 | $75 |
| Insurance types | Home, Health, Dental, Pet, Travel, GadgetCovers more | Health, Travel |
| Provider type | Insurer | Broker |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | $50K-$200K |
| Excess from | €0 | Not confirmed |
| Claims channels | Online, Phone | Not confirmed |
| Age range | Not confirmed | up to 99 years |
Same on both: Monthly payments (Yes).
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Key differences
- ARAG scores higher overall: 9.4 vs 8.7.
- ARAG is available in 17 more countries.
- Insurance types: only ARAG offers Home, Dental, Pet.
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.
MyPhysicianPlan
MyPhysicianPlan suits you if you want health and travel cover on monthly billing with phone support arranged by a broker, with eligibility up to 99 years, reflected in an overall score of 8.7 for this clear focused personal cover aimed at travellers seeking care access.
Score breakdown
| Area | ARAG | MyPhysicianPlan |
|---|---|---|
| Cost | 9.1HigherEntry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 9.3Higher | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 9.6Higher | 8.8Head office base is in US under a stated corporate identity. |
Where each is licensed and available
| Country | ARAG | MyPhysicianPlan |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for ARAG: 17.
Side by side, item by item
| Insurance types | ARAG | MyPhysicianPlan |
|---|---|---|
| Home | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Dental | Yes | No |
| Gadget | Yes | No |
Sources behind this comparison
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
How they place
| Ranking | ARAG | MyPhysicianPlan |
|---|---|---|
| Health insurance | 41 of 216 | 1 of 216 |
| Travel insurance | 81 of 295 | 1 of 295 |
| Business insurance | 36 of 147 | 2 of 147 |
Every fact side by side
| Fact | ARAG | MyPhysicianPlan |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1935 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | ARAG | MyPhysicianPlan | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €50 |
Median across 71 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.
MyPhysicianPlan
Pros
- Eligibility extends up to 99 years, which helps mature travellers seeking continued cover.
- Focus on health and travel keeps the offer clear if you want health plus travel in a defined place.
- Voice support through phone gives direct contact for cover and claims questions.
Cons
- Cover stays within health and travel, so needs beyond health and travel call for another provider.
- Support runs on phone only, which limits choice if you prefer written contact.
- As a broker, placement depends on partner underwriters rather than direct underwriting.
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.
MyPhysicianPlan
Who it suits
- Travellers who want health and travel focus with phone guidance through cover choices.
- Mature travellers who value extended age eligibility and steady monthly budgeting.
Who should look elsewhere
- If you want motor or home cover, consider AXA instead, since MyPhysicianPlan stays within health and travel.
- If you want written service channels, consider die Bayerische instead, since MyPhysicianPlan support runs by phone only.
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 | MyPhysicianPlan |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Germany | Yes | No |
| Greece | Yes | No |
| Ireland | 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.
MyPhysicianPlan
What does MyPhysicianPlan cost to start?+
Premium starts at $75 for MyPhysicianPlan cover. Monthly payments are available, so you can spread the cost across the year rather than paying in a lump sum. Exact pricing will depend on your age, cover choice and traveller profile.
Which insurance types does MyPhysicianPlan offer?+
MyPhysicianPlan focuses on health and travel for members and travellers. That means you look here for medical style protection and trip related needs, not for motor, home or pet cover. If you need wider lines, compare a broader provider alongside.
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