Updated September 29, 2026 · AssureCue Editorial Team
dotsure.co.za vs ERGO
Where dotsure.co.za and ERGO differ
| Compare |  dotsure.co.za | ERGO ReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | ZAR 99 | CZK 44 |
| Insurance types | Pet, Auto, Home, Motorcycle, Life | Travel |
| Monthly payments | YesHas it | No |
| Excess from | ZAR 2,000 | €150 |
| Claims channels | Online Manage Portal, Phone, Email | Online, Phone, Email, Chat |
| Age range | Drivers 20 to 80 years old | 18-69 |
| Cover limit | Not confirmed | 100 million CZK medical expenses |
Same on both: Provider type (Insurer).
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Key differences
- Monthly payments: only dotsure.co.za.
- Insurance types: only dotsure.co.za offers Pet, Auto, Home.
- Insurance types: only ERGO offers Travel.
- Claims channels: only dotsure.co.za offers Online Manage Portal.
- Claims channels: only ERGO offers Online, Chat.
- Support channels: only dotsure.co.za offers Help centre.
- Support channels: only ERGO offers Chat.
Our verdict on each
dotsure.co.za
Dotsure is a South African insurer that writes pet, car, home, motorcycle and life cover, paid monthly, with car policies open to drivers in the Drivers 20 to 80 years old band. It suits households wanting a single insurer across several lines, and veterinary practices needing professional and public liability.
ERGO
ERGO suits adults planning single trips who want cover from an insurer with long history and clear medical limits. Premiums start at CZK 44 with medical expenses cover of 100 million CZK medical expenses and claims support across online, phone and email.
Score breakdown
| Area | dotsure.co.za | ERGO |
|---|---|---|
| Cost | 9.0HigherPet cover starts at ZAR 99; the site's median starting premium is €8.37, and pet excess begins at ZAR 2,000. | 8.9Entry travel premiums start at CZK 44, which frames upfront cost. |
| Offer | 9.2Higher | 9.0Travel focus shown by travel with medical cover of 100 million CZK medical expenses. |
| Trust | 9.6 | 9.7HigherLong operating history since 1907 as insurer supports trust. |
Feature by feature
| Insurance types | dotsure.co.za | ERGO |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Travel | No | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
Where they rank in our lists
| Ranking | dotsure.co.za | ERGO |
|---|---|---|
| Business insurance | 54 of 147 | 62 of 147 |
| Professional indemnity and liability insurance | 19 of 39 | 22 of 39 |
| Public liability insurance | 22 of 52 | 26 of 52 |
Availability and regulation
| Country | dotsure.co.za | ERGO |
|---|---|---|
| Czechia | Not confirmed | |
| South Africa | Not confirmed |
Additional countries for dotsure.co.za: 1. Additional countries for ERGO: 1.
Sources behind this comparison
dotsure.co.za
- dotsure.co.za: 11 facts, checked September 26, 2026
ERGO
- ergo-cestovni.cz: 12 facts, checked September 29, 2026
Every fact side by side
| Fact | dotsure.co.za | ERGO |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Dotsure Limited (Registration number 2006/000723/06) | ERGO Cestovní Pojišťovna, a. s. |
| Headquarters | South Africa | Czechia |
| Founded | Not confirmed | 1907 |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat |
Business insurance
| Fact | dotsure.co.za | ERGO |
|---|---|---|
| Cover types | Professional indemnity, Public liability | Public liability, Professional indemnity, PropertyCovers more |
| Indemnity limit | Not confirmed | CZK 100,000,000 |
| Industries | Veterinary practices | Travel, tourism, business travel, entrepreneurs, self-employed |
Pros and cons
dotsure.co.za
Pros
- A single insurer writes pet, auto and home cover, so every policy sits in the same relationship.
- Monthly payments are available, and the payment model is listed as monthly.
- Claims run on online Manage Portal, phone and email.
Cons
- An excess of ZAR 2,000 sits in front of a pet claim, so small bills may not be worth claiming.
- Support runs on phone, email and help centre only.
- Business cover is written for Veterinary practices and limited to professional indemnity and public liability.
ERGO
Pros
- Medical expenses cover of 100 million CZK medical expenses for single trip travel.
- Premiums start at CZK 44 for entry level trip cover.
- Claims can be made via online, phone and email.
Cons
- Excess starts at €150, which adds upfront cost to small claims.
Who each suits
dotsure.co.za
Who it suits
- South African households already holding pet, car, home, motorcycle or life policies.
- Owners who prefer spreading the cost monthly, since the payment model is monthly.
- Veterinary practices looking for professional indemnity and public liability.
Who should look elsewhere
- Readers who want a lower starting premium: bunq lists a starting premium of €0, against ZAR 99 for Dotsure pet cover.
- Anyone wanting health, renters and travel in the same basket: Good Sam Insurance Agency lists auto, home and renters.
ERGO
Who it suits
- Adults within 18-69 seeking single trip travel cover
- Entrepreneurs and self employed travellers needing business travel protection
Who should look elsewhere
- Shoppers wanting wider personal cover beyond travel may prefer LV=, which lists auto, home and pet.
- Shoppers comparing low entry premiums may check die Bayerische, which shows €2.09.
Current offers
dotsure.co.za
Current offer
Discount code
15% multi-pet discount on pet insurance premium: 15% off premium
Insure more than one pet on the same policy
Source, checked September 26, 2026
Discount code
20% lifetime discount when buying car insurance online: 20% off premium
Car insurance purchased online
Source, checked September 26, 2026
Country by country
| Country | dotsure.co.za | ERGO |
|---|---|---|
| Czechia | No | Yes |
| South Africa | Yes | No |
Questions about each
dotsure.co.za
How much does pet cover cost?+
Pet cover starts at ZAR 99, and monthly payments are available, so the premium is spread over the year instead of a yearly bill. Across the brands on the site the median starting premium is €8.37, so this figure sits well above the middle of the market.
What is the excess on a pet policy?+
The pet excess starts at ZAR 2,000, the part of a vet bill you cover before the policy pays. Raising it lowers the monthly premium, so the sensible figure depends on how often you expect to claim and what you can put aside.
ERGO
What does ERGO travel cover cost at entry level?+
Premiums for ERGO single trip travel cover start at CZK 44. The exact amount depends on destination, length of stay and chosen options. The starting figure helps compare entry cost before reviewing limits and excess.
What medical cover limit does ERGO provide for travel?+
ERGO provides medical expenses cover of 100 million CZK medical expenses for its single trip travel product. That limit applies to medical costs abroad under the policy terms. Travellers should check how the limit fits destination healthcare costs and planned activities.