Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs WorldTrips
What sets them apart
| Compare |  ERGO Group Deutschland |  WorldTrips |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | USD 2,000,000 overall maximum (Atlas Travel) |
| Claims channels | Online, Phone | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Age range | Under 36 (13% start bonus for young people) | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
Same on both: Provider type (Insurer).
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Key differences
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only WorldTrips offers Help centre.
Our verdict on each
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
WorldTrips
WorldTrips is a US insurer that has traded since 1998, built for expats who need medical cover away from home, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan. The trade-off to weigh is the excess, which runs $0 to $5,000 across plans.
Score breakdown
| Area | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.6HigherSite premiums start from a median of €8.37, and the travel ranking median is €7.93, so pricing sits mid-market. |
| Offer | 9.1 | 9.1 |
| Trust | 9.6Higher | 9.4 |
Licences and countries
| Country | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for WorldTrips: 1.
How they place
| Ranking | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Travel insurance | 10 of 291 | 12 of 291 |
Every fact side by side
| Fact | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | WorldTrips Insurance Services |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Email, Chat, Phone | Email, Phone, Help centre |
Business insurance
| Fact | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | WorldTrips | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €5.97 |
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
Median across 109 listed insurance providers.
Pros and cons
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
WorldTrips
Pros
- Built for expats, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan rather than a short trip limit.
- A specialist insurer trading since 1998 and based in the United States.
- Claims can be filed through Member Portal (DocuSign), mail and fax, so a claim does not rest on a single route.
Cons
- The overall ceiling is USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan, so very large medical bills stop at that figure.
- Excess runs $0 to $5,000 across plans, so a claim can leave you funding a share of the bill.
- Support reaches you through email, phone and help centre, with claims handled over Member Portal (DocuSign), mail and fax.
Who each suits
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
WorldTrips
Who it suits
- Expats and long-stay residents abroad whose usual healthcare sits in another country.
- Parents covering a child, since the age rule sets a minimum age and older applicants still qualify, though at a lower policy maximum.
- Travellers who want to start a claim in person, by phone or in writing, through Member Portal (DocuSign), mail and fax.
Who should look elsewhere
- Households wanting auto, home, life or pet cover in the same place: WorldTrips sells travel only, where Good Sam Insurance Agency and bonus.ch list travel with other lines.
- Travellers who need medical sums above the USD 2,000,000 overall maximum (Atlas Travel) ceiling: that is the hard limit on the Atlas Travel plan, so Euroasia Insurance is worth a quote for larger figures.
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | WorldTrips |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
WorldTrips
What does WorldTrips actually cover?+
WorldTrips writes travel medical cover aimed at expats. The overall maximum on the Atlas Travel plan is USD 2,000,000 overall maximum (Atlas Travel), so a long hospital stay abroad is covered up to that ceiling rather than to a small trip limit. Exact benefits depend on the plan you pick.
Who is this cover designed for?+
The stated audience is expats, so it suits people whose normal healthcare sits in another country. Family members are covered too: the age rule sets a minimum age for applicants, and older applicants can still buy cover but at a lower policy maximum. Short trips may find the cover broader than needed.
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