Updated September 29, 2026 · AssureCue Editorial Team
ERGO vs Income Insurance
Where ERGO and Income Insurance differ
| Compare | ERGO ReviewSee alternativesSee alternatives |  Income Insurance |
|---|---|---|
| Premium from | CZK 44 | SGD 0.60 |
| Insurance types | Travel | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more |
| Excess from | €150 | SGD 250 |
| Cover limit | 100 million CZK medical expenses | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Online, Phone, Email, Chat | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | 18-69 | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Monthly payments | No | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Income Insurance scores higher overall: 9.4 vs 9.3.
- Founded is lower at ERGO: 1907 vs 1970.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only ERGO offers Online, Chat.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Support channels: only ERGO offers Chat.
- Support channels: only Income Insurance offers Help centre.
Our verdict on each
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.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | ERGO | Income Insurance |
|---|---|---|
| Cost | 8.9Entry travel premiums start at CZK 44, which frames upfront cost. | 9.1HigherPremiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 9.0Travel focus shown by travel with medical cover of 100 million CZK medical expenses. | 9.6Higher |
| Trust | 9.7HigherLong operating history since 1907 as insurer supports trust. | 9.5 |
Positions in our rankings
| Ranking | ERGO | Income Insurance |
|---|---|---|
| Travel insurance | 110 of 295 | 11 of 295 |
| Business insurance | 62 of 147 | 9 of 147 |
| Professional indemnity and liability insurance | 22 of 39 | 3 of 39 |
Where each is licensed and available
| Country | ERGO | Income Insurance |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for ERGO: 1. Additional countries for Income Insurance: 1.
Every fact side by side
| Fact | ERGO | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Legal entity | ERGO Cestovní Pojišťovna, a. s. | Income Insurance Limited |
| Headquarters | Czechia | Singapore |
| Founded | 1907Lower | 1970 |
| Support channels | Email, Phone, Chat | Phone, Email, Help centre |
Business insurance
| Fact | ERGO | Income Insurance |
|---|---|---|
| Cover types | Public liability, Professional indemnity, PropertyCovers more | Professional indemnity |
| Indemnity limit | CZK 100,000,000 | Not confirmed |
| Industries | Travel, tourism, business travel, entrepreneurs, self-employed | Not confirmed |
Pros and cons
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.
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Who each suits
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.
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | ERGO | Income Insurance |
|---|---|---|
| Czechia | Yes | No |
| Singapore | No | Yes |
Questions about each
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.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
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