Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs Ottonova
What sets them apart
| Compare |  ARAG |  Ottonova |
|---|---|---|
| Premium from | €14.73Lower | €284 |
| Insurance types | Home, Health, Dental, Pet, Travel, GadgetCovers more | Health, Dental |
| Excess from | €0Lower | €500 |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | Online, Phone | App, Chat, Email, Phone, Post |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- ARAG scores higher overall: 9.4 vs 8.8.
- Founded is lower at ARAG: 1935 vs 2015.
- ARAG is available in 17 more countries.
- Premium from is lower at ARAG: €14.73 vs €284.
- Excess from is lower at ARAG: €0 vs €500.
- Insurance types: only ARAG offers Home, Pet, Travel.
- Claims channels: only ARAG offers Online.
- Claims channels: only Ottonova offers App, Chat, Email.
- Support channels: only ARAG offers Help centre.
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.
Ottonova
Ottonova suits expats and employees in Germany who want health and dental cover handled in an app, with monthly premiums from €284. The premium sits above the site median of €8.37, so it is priced for people who value the digital servicing and the worldwide cover limit rather than the lowest price.
Score breakdown
| Area | ARAG | Ottonova |
|---|---|---|
| Cost | 9.1HigherEntry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top. |
| Offer | 9.3Higher | 9.2 |
| Trust | 9.6Higher | 8.9 |
How they place
| Ranking | ARAG | Ottonova |
|---|---|---|
| Health insurance | 41 of 215 | 22 of 215 |
| Dental insurance | 16 of 50 | 10 of 50 |
Every fact side by side
| Fact | ARAG | Ottonova |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Germany | Germany |
| Founded | 1935Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Phone |
Where each stands against the rest
| Fact | ARAG | Ottonova | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €284highest quarter | €5.97 |
| Excess from | €0below the median | €500highest quarter | €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.
Ottonova
Pros
- Health and dental cover in one place, listed under health and dental
- Monthly payments are available, with a monthly model
- Claims run through the app, chat, email, phone and post under app, chat and email
Cons
- The starting premium of €284 is far above the site median of €8.37
- An excess of €500 applies
- Support runs on email, chat and phone only, with no branch network listed
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.
Ottonova
Who it suits
- Expats living in Germany who need treatment covered outside their home market
- Employees covered through a company plan with a monthly payment model
- Anyone who wants dental alongside health cover under health and dental
Who should look elsewhere
- Price-led buyers, since €284 is well above €8.37
- People who prefer a branch or in-person service, as support is limited to email, chat and phone
- Those wanting free policies, unlike bonus.ch at CHF 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 | Ottonova |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | 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.
Ottonova
How much does Ottonova cost?+
Premiums start at €284 a month, with monthly payments available on a monthly basis. That starting figure sits above the site median of €8.37, so expect a higher bill than a typical comparison. The cover also carries an excess of €500.
Is Ottonova regulated?+
Ottonova is supervised in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). It operates as an insurer rather than a broker, so it carries the risk on the policies it issues rather than placing it elsewhere.
Other options to compare
Other matchups
Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Health
- Insurance providers available in Germany
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Dental
- Insurance providers available in Canada