erv ergo travel insurance

Europeiska ERV is one of the largest providers of private and business travel insurance, as well as insurance for people stationed abroad, on the Swedish market. Every year, we insure 2 million private travellers, 1.5 million business travellers and 12,000 people stationed abroad in any of more than 100 countries across the globe.

Since 1971, Euro-Center has acted as our service office, extending our reach worldwide. Today, there are 12 Euro-Center offices around the world. The staff at our Euro-Centers speak the local language and at least one Scandinavian language.

Experts in safe and secure travel

We know what we insure. We have been all over the world, and have travelled more and further than most. This has given us unrivalled experience of every aspect of travel, and solid training in how to travel safely.

As a large, international insurance company, we are in a position to provide our clients with safe and secure travel. We were established in 1920, so we have more than 90 years of experience.

Compliance at ERV Nordic

"Compliance" means abiding by any applicable laws or corporate rules and principles.

The Compliance Management System at ERV Nordic pursues a number of aims:  

• To ensure the observance of statutory and internal regulations as well as those imposed by regulatory authorities which are relevant to our business
• To avoid risks pertaining to liability, criminal punishment and to our Company´s reputation, is governing bodies (e.g. Management Board, Board of Directors) and employees, and
• To protect customers´ interests in accordance with our claim "To insure is to understand".

ERGO´s Compliance System is controlled by the local Compliance Function (Mette Skriver Have and Judith Nielsen Marchl). The Compliance Function reports directly to the Board of Management of ERV Nordic and with a dotted line to the Board of Directors of ERV Nordic as well as ERGO Compliance. 

Munich RE Code of Conduct

The Munich RE Code of Conduct for all salaried employees, senior executives, members of the Boards of Management and Board of Directors of ERV Nordic provides guidance for legally impeccable behavior based on ethical principles.

Read more about Munich RE Code of Conduct >>  

Whistleblowing Portal  

Indicate violations of laws or rules of the ERGO Code of Conduct.

If you become aware of a violation of the law or a significant breach of the rules of the Munich Re Code of Conduct, you can report this to us here.

You can also do this completely anonymously. In this case, please observe the safety instruction in the Whistleblowing Portal.

Whistleblowing Portal >>

Compliance Management System

​The portfolio of responsibility of ERV Nordic´s Compliance Function includes the systematic risk analysis and the continuous improvement of corporate compliance rules as well as the training and advising of colleagues and the identification of breaches.

The duties of the ERV Nordic Compliance Function include:

• Risk Assessment:  Systematic identification and analysis of relevant risks;
• Early Warning:  Defining and continuously improving corporate compliance rules and norms;
• Advisory:  Informing, training and advising members of the Board of Management, staff and sales partners;
• Monitoring:  Monitoring that regulations are adhered to and identifying breaches.

ERV Nordic´s Compliance Function caries out these tasks on behalf of Europæiske Rejseforsikring A/S including Europeiska ERV Filial. Furthermore, ERV Nordic´s Compliance Function remains in close contact with the compliance team at our parent company ERGO Group AG.

Risk Assessment

The core of the Compliance Management System is a systematic and comprehensive risk assessment, and the results create the basis for the activities of ERV Nordic´s Compliance Function.

ERV Nordic´s Compliance Function assesses the relevant risks in the individual business segments according to a uniform method and involves the respective experts and people in charge in the Company.

The risk assessment comprises the following steps:

• Development of risk scenarios
• Checks of company units or business processes in which these risks could occur
• Assessment of their possible impact and their probability
• Specifications of whether actions are required, and if so, which measures are required beyond those already in place

The risk assessment is carried out at least once each year and ad hoc where required. The ERV Nordic Board of Management is regularly notified of the results and any major changes. ​ 

Early Warning

Adhering to laws and regulations in Denmark and Sweden is, of course, obligatory for all employees, as well as abiding by corporate standards. It is only in this way that economical, liability and reputation risks can be avoided by ERV Nordic in the long term.

One of the most important rules is the Munich RE Code of Conduct for staff, which states our requirements for ethical behavior of employees, senior executives and management, and was last updated in 2018.

Furthermore, there are corporate rules for various topics. Example:

The Guideline on Conflict of Interests and Incentives specify the rules for tendering, planning, procuring and organizing incentives for in-house staff and sales forces.

ERGO Group AG is on ongoing basis developing successive minimum standards, which have to be implemented locally in accordance with local legislation.

All norms valid at ERV Nordic are reviewed regularly and updated where necessary and latest approved versions and further information can be found on our internal Nordic Norms Site. 

Advisory  

Information, Training and Advice  

Regular communication on compliance topics is an important part of our Compliance Management System and heightens employees´ awareness, thereby reinforcing the culture of compliance within the organization. This is achieved through internal communication channels such as the intranet or emails, as well as regular training events. The latest updated norms are always available on our internal Nordic Norms Site.

Regular training sessions impart the compliance objectives and help in attaining standardized common understanding. Participation is mandatory for employees, senior executives and members of the Board of Management, both in-house and in sales forces.

Training includes online modules as well as face-to-face training sessions where ERV Nordic´s Compliance Function informs the entire staff or Board members and managers directly. They act as multipliers and pass on the relevant content covered in the training materials to their teams.

Our Board members and all executive employees working in-house have been training on Compliance topics in 2017. Training sessions for new employees are conducted on a quarterly basis alternating between training sessions in Denmark and Sweden. 

Identifying and handling breaches

Violations of statutory provisions or Munich RE Code of Conduct (rules and internal norms are not tolerated at ERV Nordic, they are clarified and punished as appropriate). Each incident is individually assessed and sanctioned depending on the extent of the infringement. Checks are also carried out as to whether norms or processes in the Company need to be changed.

Violations are identified in a variety of ways. Apart from regular enquiries conducted among in-house staff and sales forces in Denmark and Sweden, ERV Nordic´s employees who wish to report an infringement of laws or other serious breaches can contact ERV Nordic´s Compliance Function or ERGO Compliance in confidence.

Furthermore, ERV Nordic´s Compliance Function reports on relevant events to ERGO Compliance each quarter. These include major cases of fraud and breaches of compliance, supervisory topics and major infringements of applicable rules. The reports are assessed by ERGO Compliance and then pursued by the units responsible.

Employees who do not wish to contact neither ERV Nordic´s Compliance Function nor ERGO Compliance directly can also make contact through an independent external ombudsman, who is also obliged to maintain strict confidentiality.

Violations of statutory provisions, Munich RE Code of Conduct  or other internal rules are not tolerated at ERV Nordic, they are clarified and punished as appropriate.

We are convinced that the vast majority of our staff and sales agents act in an exemplary fashion. However, even the best possible set of regulations cannot stop cases of misconduct from taking place. And despite comprehensive auditing and monitoring, we will not always know all grievances with our company.

But we will follow up all evidence of misconduct which is being brought to our attention from within or outside our company. Relevant cases will be assessed individually and will be sanctioned according to the extent of the breach of the rules.

Annual Report

• 2016 - english translation not avilable

Solvency and Financial Condition Report 2023

• Quantitative Reporting Template

Solvency and Financial Condition Report 2022

Solvency and financial condition report 2021, solvency and financial condition report 2020, solvency and financial condition report 2019.

• Quantitative Reporting Template (updated June 4th 2020)

Solvency and Financial Condition Report 2018

• Quantitative Reporting Template ( updated April 23rd 2019)

Solvency and Financial Condition Report 2017

• Quantitative Reporting Template ( updated July 10th 2018)

Solvency and Financial Condition Report 2016

• Quantative Reporting Template

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ERGO Reiseversicherung AG

ERGO Reiseversicherung: specialising in keeping travellers safe

ERGO Reiseversicherung AG is the ERGO Insurance Group's travel-protection specialist, and therefore belongs to Munich Re, one of the world’s leading reinsurers and risk carriers.

Market leadership – more peace of mind when travelling ERGO Reiseversicherung has been writing travel insurance history for over 110 years. Today ERGO Reiseversicherung is the German market leader in this segment and as one of the leading providers of travel insurance is now represented in over 20 countries world-wide. With its international network, ERGO Reiseversicherung guarantees its customers optimum support before, during and after their trip. Besides its competence as a travel insurer, ERGO Reiseversicherung sees itself as an innovative service provider.

Vacation in Germany - properly insured between the North Sea and the Alps. We offer some special products for travel inside Germany, in which trips of up to 48 hours into bordering countries are also insured.

Insure foreign guests adequately. You can insure foreign guests who are visiting Germany with our Incoming-insurance. With ERGO Reiseversicherung travel insurance, every guest is not only warmly welcomed, but also feels safe during his trip.

More information about ERGO Reiseversicherung: www.ergo-reiseversicherung.de

Kontakt & Ansprechpartner

• Travel Insurances

About ERGO Reiseversicherung

Best service, comprehensive information, world-class performance and absolute dependability. A strong parent company and an international network of subsidiaries, shareholdings and branches have enabled ERGO Reiseversicherung to form a powerful network delivering travel insurance. The ERGO Reiseversicherung network accompanies its customers and partners across the world.

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• Travel Insurances

• About ERGO Reiseversicherung

You travel – We care

Medical Travel Insurance

Medical travel insurance of ERGO Reiseversicherung is the perfect cover for your stay abroad.

Multi-Cover

ERGO Reiseversicherung's travel insurance for students and au-pairs. Tailor-made multi-cover package for your specific needs:

This is an information by ERGO Reiseversicherung AG which suits advertising purposes.

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ERV travel & care 4+

Ergo reiseversicherung ag.

• 5.0 • 4 Ratings

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Description.

ERV travel & care: Your mobile partner for safe travels! New! * Up to date Corona-News and Regulations for your Destination And additionally * Alerts with alert function, e.g. in case of delays, fire, extreme weather conditions, unrest or terror attacks in country of destination (via Direct Push Notification or SMS) *Safety and travel advice with local emergency numbers. The emergency centre is always a call away. * Hospitals, pharmacies, consulates or police in your area incl. directions. Benefits for you: Reliable, trusted medical facilities are labelled for you. For insurance holders of ERGO Reiseversicherung, treatment costs are paid for in partner hospitals - without advance payments! *Document safe for all your documents, such as e.g. your passport, travel documents, vaccination pass or insurance documents * And much, much more such as, e.g. translator for medications, or currency calculator PLUS: Report damages using the app Upload doctor’s bills via app while abroad, report damages and get money back within 2 days! (only for policy holders) Test for 30 days now! For customers of ERGO Reiseversicherung with annual travel insurance or students/aupairs included automatically. You travel. We care. The app increases your safety and helps you to avoid threats, wherever you are. At any time, you can get to safety or directly call the emergency centre in case of medical problems. The ERV travel & care app is operated by the travel insurance company ERGO Reiseversicherung (former: ERV - Europäische Reiseversicherung) and GWS (Global Warning System). It is a GPS-based app, which runs continuously in the background and can significantly reduce battery life. However, due to intelligent GPS restriction, this effect is reduced to a minimum.

Version 5.6.14

Small bugfixes

Ratings and Reviews

App privacy.

The developer, ERGO Reiseversicherung AG , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

Data Linked to You

The following data may be collected and linked to your identity:

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Privacy practices may vary, for example, based on the features you use or your age. Learn More

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IMPORTANT BEFORE YOU BUY

It is essential that you check the latest FCDO advice for your destination before you travel. Our travel insurance policies do not provide cover for travel to an area where the FCDO advises against all or all but essential travel.

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• Extra Cover
• Your Details

Step 1: Your Trip

All fields marked with * must be completed. All prices include Insurance Premium Tax (IPT)

Please take care to answer all the questions accurately and completely. If you don't, we may cancel your policy and we may reject any claims, or not pay them in full.

Which policy is best for you?

Leisure provides cover for a single trip of up to 90 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy.

Add-ons are also available: Gadget, Cruise, Rental vehicle excess waiver, Golf, Pet care, Wedding and civil partnership ceremony and Business travel.

Medi-Care provides the same cover as our Leisure product plus it can provide cover for pre-existing medical conditions (subject to screening).

Winter Sports provides cover for a single trip of up to 276 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy if you will be taking part in winter sports during your trip.

Backpacker provides long stay single trip cover for trips of up to 18 months.

Cycle and Triathlon provides cover for a single trip of up to 90 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy if you will be taking part in cycling activities or an amateur triathlon during your trip. Cover for theft or damage to your bicycle is included.

Winter Seasonnaire provides cover for a ski season of up to 12 months whilst working in a ski resort.

Winter Seasonnaire - staff provides cover for a ski season of up to 12 months whilst working in a ski resort where your employer already provides you with insurance for Emergency Medical and Repatriation expenses whilst at work and during leisure time as this policy will only provide up to £5,000 of cover.

Winter Sports

Cycle and Triathlon

Winter Seasonnaire

Winter Seasonnaire - Staff

Single trip provides cover for one specific trip

Annual multi - trip provides cover if you intend to take several trips in one year.

Destination(s)

For single trip tell us the specific country or countries where you will be travelling.

For annual multi - trip you must select which region you will be travelling to ensuring this will cover you for all the countries you plan to visit. If you are unsure which region your destination(s) falls in, please check the country list within the policy wording.

Single Trip

Annual Multi Trip

Europe including UK

Worldwide exc US, Canada, Mexico and the Caribbean

Worldwide inc US, Canada, Mexico and the Caribbean

Important: For Annual multi trip policies you will not be covered for travel cancellation until your policy start date. Please choose today's date if you want cover as soon as possible.

Please select the number of travellers, you will then see a field for each traveller's date of birth.

Individual is one person who is 18 years of age or older.

Couple is you and your spouse, including a civil partner or co-habitee.

Family is a maximum of two adults (aged 18 or over) can be covered by a Family policy. You, your spouse (including civil partner or co-habitee) and up to 5 of your children aged 17 years and under (at the time of purchase). In this description 'children' includes children, step-children, adopted children, foster children and grandchildren.

Group is a group of individuals travelling together, who may not be related and can be up to 7 people in total.

Individual(s)

Medical exclusions

If you or anyone to be insured on this policy answer Yes to any of the following questions (1 to 4), we will not be able to provide a quote or issue a policy:

• should have sought medical advice?
• is under investigation?
• is on a waiting list to undergo investigation?
• is waiting for test results?
• has been given a terminal prognosis?
• Is any person to be insured on this policy suffering from a medical condition which he/she knows will require medical treatment during an insured journey?
• Is any person to be insured on this policy intending to travel to get medical treatment abroad?
• Has any person to be insured on this policy at any time during the last five years been treated for alcohol or drug addiction?

Please call 0370 950 1790 or visit the BIBA website at www.BIBA.org.uk where you will find a list of alternative providers that may be able to provide cover.

Pre-existing conditions to declare

If you or anyone to be insured on this policy answer Yes to any of the following questions (5 to 8), you must declare your pre-existing medical condition(s) to us:

• Is any person to be insured on this policy suffering from a psychiatric or psychological condition?
• a cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• a lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• any form of cancer whether in remission or not?
• a cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• a renal condition or diabetes?
• is being prescribed regular medication?
• is receiving treatment of any kind?
• is on a waiting list for inpatient hospital treatment?
• has required an organ transplant or required dialysis?
• Is suffering from a medical condition which could reasonably be expected to give rise to a claim?

Please declare any pre-existing medical conditions that you or anyone travelling on this policy have. By answering the medical declaration questions, you confirm you have the authority and will provide complete and accurate medical information about everyone to be covered. If you are unsure of any answers, please contact the person(s) on whose behalf you are answering. If you don't declare pre-existing medical conditions, it may result in part or all of a claim not being paid.

By pre-existing medical conditions we mean:

Any condition, for which you should have sought medical advice, which is under investigation or you are on a waiting list or you are waiting for test results.

You have been given a terminal prognosis.

Any condition which you know will require medical treatment during an insured journey.

You intend to get medical treatment abroad.

You have been treated for alcohol or drug addiction in the last five years.

Any psychiatric or psychological condition.

Any cardiovascular or heart -related condition such as a heart attack, angina, chest pain or hypertension, any lung or respiratory -related condition, any form of cancer, any cerebro - vascular condition such as a stroke or T.I.A. (transient ischaemic attack), any renal condition or diabetes.

Any condition for which, in the last 12 months, you have been prescribed or are on regular medication, received treatment of any kind, required an organ transplant or dialysis.

Any condition which could reasonably be expected to give rise to a claim.

For full details of what is considered a pre-existing medical condition, please click here .

Please note that the Backpacker, Cycle and Triathlon, Seasonnaire and Winter Sports products do not cover pre-existing medical conditions. If you declare any pre-existing medical conditions to us, we will provide you with a quote for the Medi-Care product. Please make sure that this product meets your needs.

Do you have any pre-existing medical conditions to declare?

• Terms of Business

01403 788 513

Our team are here to help: Monday to Friday 9am-5pm

Telephone calls may be recorded for security purposes under our quality control procedures. Calls are charged at local rates from landlines and mobiles.

Discover the ERGO Travel and Care App

ERV travel & care: Your mobile partner for safe travels!

By clicking the ‘Show prices’ button you are confirming that you have read, understand and meet our eligibility conditions.

Eligibility Conditions:

• you are 18 years of age or over at the date of buying the Policy
• you and all persons to be insured have an address in the United Kingdom, Channel Islands or the Isle of Man; and
• you and all persons to be insured have lived in the United Kingdom, Channel Islands or the Isle of Man for at least 6 of the last 12 months; and
• you and all persons to be insured are registered with a GP in the United Kingdom, Channel Islands or the Isle of Man
• you and all persons to be insured are in the United Kingdom, Channel Islands or the Isle of Man when the policy is purchased and have not started a trip.

By clicking the ‘Continue’ button you are confirming that you have read, understood, agree with and meet the above Eligibility Conditions and Statements.

If you are a non-UK resident or have already departed on your trip, please call 0370 950 1790 or visit the BIBA website at www.BIBA.org.uk where you will find a list of alternative providers that may be able to provide cover.

Europæiske ERV travel insurance Denmark

Europæiske erv is the leading provider of travel insurance in denmark and has been so since 1920..

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Leading travel insurance provider in Denmark

Europæiske ERV was the first provider of travel insurance in Denmark and today retains the leading position in the travel insurance market.

Travelling safely

We have over 100 years of experience in providing security and safety to travellers. The majority of Danish tourists and travellers take out their travel insurance with us. We have obtained this loyalty by guaranteeing personal and swift assistance to our customers no matter where in the world they are when an accident occurs.

Ownership and organisation

Europæiske ERV is owned by the German insurance corporation, ERGO , and has sister-companies in many European countries.  This means that you carry one of the world’s biggest networks in your luggage, when you choose Europæiske ERV as your travel insurance company. Even so we continue to focus on the individual customer, and you still speak to our skilled employees in Denmark.

Member of the International Travel Insurance Alliance (ITIA)

ITIA consists of an association of international companies offering travel insurance products and other travel related services. ITIA is headquartered in Munich and went under the name ETIG until 2018. 

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ERGO Travel Insurance Ltd   Reviews

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Reviews 4.6.

2,550 total

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TOTAL WASTE OF MONEY !

TOTAL WASTE OF MONEY ! ERG-20240422-05193 Just had toi cancel my planned trip to London as my friend who I am planning to visit just called to say his father inlaw has died suddenly I guessed this may come under the heading of 'Home Emergency" as nothing else seemed appropriate I am then asked to upload documents to prove my claim. I decline to call my friend back to get documentation.

Date of experience : 26 April 2024

Reply from ERGO Travel Insurance Ltd

Hello, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Really easy to access, purchase and use. All details available immediately via email-no hassle.

Date of experience : 25 April 2024

Hello, Many thanks for your review, great to hear you found the process easy. Kind regards, ERGO.

Only experience so far of actually…

Only experience so far of actually needing travel insurance & ergo were very good at every step. Helpful & assuring staff & once we got all receipts etc together payment was agreed & made quickly. Would definitely recommend.

Date of experience : 29 February 2024

Hello Adam, Many thanks for letting us know our customer service is up to the high standards we set, great to hear we could process your claim quickly. Kind regards, ERGO.

Easy to arrange

Easy to arrange, quick delivery, very reasonable cost

Hello Andrew, Great to hear you found the process easy and that we remain competitively priced. Many thanks for your review, ERGO.

easy to get travel insurance

easy to get travel insurance at a good price

Hello Christopher, Great to hear you found the process easy and that we remain competitively priced. Many thanks for your review, ERGO.

Ergo via payingtoomuch.com - fantastic!

I took out travel insurance with payingtoomuch.com (for whom I have left a great review). I see the insurance company they covered with was Ergo and it was with Ergo that I lodged, recently, five claims, due to my husband's cancer returning. My claims were all dealt with them - and settled! money in my bank account - within, easily, 5 working days. No fuss, no hassle. I cannot recommend them highly enough, or thank them sufficiently, at what is, for us, a very difficult time.

Date of experience : 01 March 2024

Hello Sue, Many thanks for your great review, it is very much appreciated. Good to know we could be there in what is obviously a difficult time for you, and great to hear our customer service is up to the high standards we set. Kind regards, ERGO.

Great little company for great short…

Great little company for great short trips giving you peace of mind

Hello Susan, Many thanks for your review, great to hear we could give you peace of mind. Kind regards, ERGO.

It was so easy to book this insurance

Hello Lynne, Great to hear you found the process easy, it is always good to know. Many thanks, ERGO.

Value for money

Excellent communication - easy to set up and good value. Peace of mind knowing you are covered.

Date of experience : 09 April 2024

Hello Patricia, Many thanks for letting us know you found the process easy, and that we remain competitively priced. Kind regards, ERGO.

Helpful and welcoming

Helpful and welcoming. Easy to ask questions of.

Hello, Many thanks for your great review, it is very much appreciated. Kind regards, ERGO.

Very fast and efficient service

Date of experience : 28 April 2024

Hello Marion, Many thanks for your great review, it is very much appreciated. Kind regards, ERGO.

Good price quick online result

Hello Karen, Great to hear you found the process speedy and that we remain competitively priced, thanks for letting us know. Kind regards, ERGO.

Easy process!!

Great, highly recommended, easy from beggining to end.

Hello Angela, Many thanks for your review, great to hear you found the process easy. Kind regards, ERGO.

Avoid this company. SCAMMERS

I would give zero stars but can’t. Flight back to UK was cancelled so I would miss the train I booked and wanted to refund the ticket, tried to make a claim and the process asks about 2 questions and goes straight to decline. Waste of money and wouldn’t recommend this company at all. Trainline should be ashamed. Avoid this company they are not interested once they have your money

Date of experience : 17 April 2024

Hello Ian, Could you please send over your policy number so a member of the team can look in to this for you. Many thanks, ERGO.

Smooth and easy to use

Super easy to purchase and modify an insurance. Paige on the phone line is swift to respond and very polite. Prices are very competitive, highly recommended - much better than the banks providing travel insurances out there. Thank you team!

Date of experience : 19 February 2024

Hello Pooja, Many thanks for your 5 star review, it is very much appreciated. Great to hear you found the process easy and that our service is up to the high standards we set. Kind regards, ERGO.

Easy to setup at short notice

Easy process and rapid response.

Hello, Many thanks for your review, great to hear you found the process easy and that our service team is performing up to the high standards we set. Kind regards, ERGO.

Cheap travel cover

Clear concise wording in policy documents and prompt response.Have used before and always been satisfied.

Date of experience : 05 April 2024

Hello Jennifer, Great to hear you found the process clear and concise, many thanks for letting us know. Kind regards, ERGO.

Fabulous easy to use …

Fabulous easy to use …. Low cost

Date of experience : 29 April 2024

Efficiency and value for money

Date of experience : 23 April 2024

Hello Debra, Great to hear we remain competitively priced and that you found the process efficient. Kind regards, ERGO.

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ERGO Travel Insurance Ltd   Reviews

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Reviews 4.6.

2,550 total

Most relevant

Easy website to use

Date of experience : April 25, 2024

Reply from ERGO Travel Insurance Ltd

Hello Susan, Many thanks for your review, great to hear you found the process easy. Kind regards, ERGO.

Bought on line

Bought on line. Very clear and easy to use. Good price.

Hello Clare, Great to hear you found the process easy and that we remain competitively priced. Kind regards, ERGO.

Easy and straightforward

Date of experience : April 23, 2024

Hello Barry, Many thanks for letting us know you found the process easy and straightforward, it is very much appreciated. Kind regards, ERGO.

Everything was so smooth

Everything was so smooth, a very stress free experience.

Date of experience : April 02, 2024

Hello Sandra, Great to hear you found the process stress free, it is always good to know. Many thanks, ERGO.

London Bound

It's always wise to have travel insurance wherever you are going. This was an excellent price for a one day trip.

Date of experience : February 14, 2024

Hello Catherine, Many thanks for letting us know you got the cover you needed, and that we remain competitively priced. Kind regards, ERGO.

Satisfactory

Ergo was easy to use and I will have no hesitation in using it them again when needed

Date of experience : March 11, 2024

Hello Eileen, Great to hear you found the process easy and that you will use us again. Many thanks, ERGO.

Don't be conned I to spending your hard earned cash on an ergo insurance policy even if it is only 90p They will NOT payout and will not answer your queries My train was cancelled and I was stuck I tried to claim but there is no option for a cancelled service tried an alternative e reason and claim was denied

Date of experience : February 24, 2024

Hello Deborah, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Clarity in what "pre-existing medical…

Clarity in what "pre-existing medical conditions" means along with checklist in case of doubt. Competitive premium rate.

Date of experience : March 19, 2024

Hello Polly, Many thanks for your great review, it is good to know you found our policies clear and that we remain competitively priced. Kind regards, ERGO.

Easy to navigate the site with simple…

Easy to navigate the site with simple instructions, emails delivered quickly.

Date of experience : March 15, 2024

Hello Corinne, Many thanks for letting us know you found the site easy to use, it is very much appreciated. Kind regards, ERGO.

so easy to book,no hidden pitfalls, will use again in the future.

Date of experience : March 26, 2024

Hello Rodney, Many thanks for your great review, it is very much appreciated. Kind regards, ERGO.

Easy and quick to use

Date of experience : April 29, 2024

Loyal customer let down

Until this week, I spent up to £1000 a month on the trainline and after refusing to refund me for an error they made last year, I let it go and gave them another try. This week time my trip was cancelled and the first time I have ever claimed on their insurance, it was denied with no explanation, no contact and no follow-up. I have been a loyal customer and spent well over £10,000 on tickets through the trainline but the two times in years I’ve asked for anything back (due to their own fault and circumstances out of my control), I have been let down. I will now be taking my business to a competitor. ERG-20240226-53388 Edited 01Apr24 to add: This is the only negative review I’ve ever posted on Trustpilot. Despite their response below, no effort has been made to contact me after a month.

Date of experience : February 27, 2024

Hello Dave, Many thanks for sending over your policy number, a member of the team will look into this for you. Kind regards, ERGO.

Straight forward booking

That was the most straight forward search, easy to understand, simple to follow & effortless to set up.

Date of experience : February 03, 2024

Hello Stephen, Great to hear you found the process straightforward, it is always good to know. Many thanks, ERGO.

Easy and seamless transition

Date of experience : April 13, 2024

Hello, Many thanks for letting us know you found the process easy, it is always good to know. Kind regards, ERGO.

Scam insurance company & false advertising

Don't waste your time taking out insurance with this company as despite advertising that certain elements are covered, they'll use any excuse to not pay out. I tried claiming for ski theft but was told that the skis were left 'outside of my control' when they were on the ski rack visible from where I was sitting outside in a restaurant. Anyone who has been skiing knows that skis must be left on the racking. Absolutely false advertising to state that ski theft is covered when the most basic of scenarios isn't. Waste of time and money.

Date of experience : February 01, 2024

Hello Molly, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Where is my documents relating to the…

Where is my documents relating to the insurance ?

Hello, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Pleasant experience, no hassle

Simple, straightforward form, quick response. Information available to review without having to search for it.

Hello Kathrene, Many thanks for your great review, It is good to know that you found the process straightforward and that our team are performing to the high standards we set. Kind regards, ERGO.

Easy to get a quote

Hello Belinda, Great to hear you found the process easy, it is always good to know. Many thanks, ERGO.

Is the insurance to cover a scam?

(My husband writing this). I took out the insurance to cover my train journey from Truro in Cornwall to Dublin, Ireland. My connection in Birmingham was cancelled just after I got there, I was advised to take alternative trains which got me to Hollyhead too late for the booked ferry. Thus my ferry was missed and I had to spend the night in the waiting room of the ferry port instead of the hotel room I had paid for. No claim allowed - 'Under section 1 paragraph 15 of 'not covered' (it was pointed out to me after the claim was submitted) is 'If the insured journey is cancelled, delayed or re-routed by the train operating company' !!!!! This insurance is a scam and does not cover the reason most people take it out - Cancellation Not Covered! Avoid. The only reason for one star is the politeness of the turn down. Policy number ERG-20231006-85312

Date of experience : November 15, 2023

Hello Susan, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

All adverse weather classes as a catastrophe

Ok till you try to claim for adverse weather,IThey don’t pay out as they don’t pay ou for floods so basically if it rains heavy they class it as a flood.They don’t pay out for adverse weather because they class it as a storm and they don’t pay out for storm.Just look at the catastrophe section of the policy & you see what I mean.

Date of experience : January 23, 2024

Hello Debra, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Our motto is “You travel – We care”. We want our policyholders to be able to travel with peace of mind and the feeling that they are well provided for. We’ve therefore designed this app to provide you, our insured customer, with the right information before, during and after your trip. At the same time, we provide you with information about safety in your area that can help you stay “ on the safe side,” even when you’re at home.

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ERGO Travel Insurance Ltd   Reviews

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Reviews 4.6.

2,550 total

Most relevant

Easy website to use

Date of experience : 25 April 2024

Reply from ERGO Travel Insurance Ltd

Hello Susan, Many thanks for your review, great to hear you found the process easy. Kind regards, ERGO.

Bought on line

Bought on line. Very clear and easy to use. Good price.

Hello Clare, Great to hear you found the process easy and that we remain competitively priced. Kind regards, ERGO.

Easy and straightforward

Date of experience : 23 April 2024

Hello Barry, Many thanks for letting us know you found the process easy and straightforward, it is very much appreciated. Kind regards, ERGO.

Everything was so smooth

Everything was so smooth, a very stress free experience.

Date of experience : 02 April 2024

Hello Sandra, Great to hear you found the process stress free, it is always good to know. Many thanks, ERGO.

London Bound

It's always wise to have travel insurance wherever you are going. This was an excellent price for a one day trip.

Date of experience : 14 February 2024

Hello Catherine, Many thanks for letting us know you got the cover you needed, and that we remain competitively priced. Kind regards, ERGO.

Satisfactory

Ergo was easy to use and I will have no hesitation in using it them again when needed

Date of experience : 11 March 2024

Hello Eileen, Great to hear you found the process easy and that you will use us again. Many thanks, ERGO.

Don't be conned I to spending your hard earned cash on an ergo insurance policy even if it is only 90p They will NOT payout and will not answer your queries My train was cancelled and I was stuck I tried to claim but there is no option for a cancelled service tried an alternative e reason and claim was denied

Date of experience : 24 February 2024

Hello Deborah, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Clarity in what "pre-existing medical…

Clarity in what "pre-existing medical conditions" means along with checklist in case of doubt. Competitive premium rate.

Date of experience : 19 March 2024

Hello Polly, Many thanks for your great review, it is good to know you found our policies clear and that we remain competitively priced. Kind regards, ERGO.

Easy to navigate the site with simple…

Easy to navigate the site with simple instructions, emails delivered quickly.

Date of experience : 15 March 2024

Hello Corinne, Many thanks for letting us know you found the site easy to use, it is very much appreciated. Kind regards, ERGO.

so easy to book,no hidden pitfalls, will use again in the future.

Date of experience : 26 March 2024

Hello Rodney, Many thanks for your great review, it is very much appreciated. Kind regards, ERGO.

Easy and quick to use

Date of experience : 29 April 2024

Loyal customer let down

Until this week, I spent up to £1000 a month on the trainline and after refusing to refund me for an error they made last year, I let it go and gave them another try. This week time my trip was cancelled and the first time I have ever claimed on their insurance, it was denied with no explanation, no contact and no follow-up. I have been a loyal customer and spent well over £10,000 on tickets through the trainline but the two times in years I’ve asked for anything back (due to their own fault and circumstances out of my control), I have been let down. I will now be taking my business to a competitor. ERG-20240226-53388 Edited 01Apr24 to add: This is the only negative review I’ve ever posted on Trustpilot. Despite their response below, no effort has been made to contact me after a month.

Date of experience : 27 February 2024

Hello Dave, Many thanks for sending over your policy number, a member of the team will look into this for you. Kind regards, ERGO.

Straight forward booking

That was the most straight forward search, easy to understand, simple to follow & effortless to set up.

Date of experience : 03 February 2024

Hello Stephen, Great to hear you found the process straightforward, it is always good to know. Many thanks, ERGO.

Easy and seamless transition

Date of experience : 13 April 2024

Hello, Many thanks for letting us know you found the process easy, it is always good to know. Kind regards, ERGO.

Scam insurance company & false advertising

Don't waste your time taking out insurance with this company as despite advertising that certain elements are covered, they'll use any excuse to not pay out. I tried claiming for ski theft but was told that the skis were left 'outside of my control' when they were on the ski rack visible from where I was sitting outside in a restaurant. Anyone who has been skiing knows that skis must be left on the racking. Absolutely false advertising to state that ski theft is covered when the most basic of scenarios isn't. Waste of time and money.

Date of experience : 01 February 2024

Hello Molly, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Where is my documents relating to the…

Where is my documents relating to the insurance ?

Hello, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Pleasant experience, no hassle

Simple, straightforward form, quick response. Information available to review without having to search for it.

Hello Kathrene, Many thanks for your great review, It is good to know that you found the process straightforward and that our team are performing to the high standards we set. Kind regards, ERGO.

Easy to get a quote

Hello Belinda, Great to hear you found the process easy, it is always good to know. Many thanks, ERGO.

Is the insurance to cover a scam?

(My husband writing this). I took out the insurance to cover my train journey from Truro in Cornwall to Dublin, Ireland. My connection in Birmingham was cancelled just after I got there, I was advised to take alternative trains which got me to Hollyhead too late for the booked ferry. Thus my ferry was missed and I had to spend the night in the waiting room of the ferry port instead of the hotel room I had paid for. No claim allowed - 'Under section 1 paragraph 15 of 'not covered' (it was pointed out to me after the claim was submitted) is 'If the insured journey is cancelled, delayed or re-routed by the train operating company' !!!!! This insurance is a scam and does not cover the reason most people take it out - Cancellation Not Covered! Avoid. The only reason for one star is the politeness of the turn down. Policy number ERG-20231006-85312

Date of experience : 15 November 2023

Hello Susan, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

All adverse weather classes as a catastrophe

Ok till you try to claim for adverse weather,IThey don’t pay out as they don’t pay ou for floods so basically if it rains heavy they class it as a flood.They don’t pay out for adverse weather because they class it as a storm and they don’t pay out for storm.Just look at the catastrophe section of the policy & you see what I mean.

Date of experience : 23 January 2024

Hello Debra, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

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