I had a claim raised for a house issue due to natural calamity. Initially no one responded to my claim for days. Eventually, a nice colleague reached out to us, and verified our claim. I got a conf... See more
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See what reviewers are saying
ERGO is the right insurance to everyone, 100% recommended. All possibilities in one service provider, prices and service is the best. You know it when you need it. The team available 24/7 when somethi... See more
Company replied
ERGO Travel Insurance has shown a complete lack of compassion, fairness, and common sense. My cancellation claim was rejected after my 18-month-old daughter became serious... See more
Company replied
I am so happy to be one of the ERGO Customer and I am always satisfied with their good policy. I can say that, ERGO is one of the best insurance companies in Deutschland.
Company replied
Company details
- Insurance company
- Car and Motor Insurance Agency
- Dental insurance agency
- Home Insurance Agency
- Life Insurance Agency
- Non-bank financial service
Written by the company
ERGO ist eine der großen Versicherungsgruppen in Deutschland und Europa. Weltweit ist die Gruppe in über 20 Ländern vertreten und konzentriert sich dabei auf ihre Kern- und Wachstumsmärkte in Europa und Asien. ERGO bietet ein umfassendes Spektrum an Versicherungen, Vorsorge, Investments und Serviceleistungen. Rund 38.600 Menschen arbeiten weltweit als angestellte Mitarbeiter oder als Vermittler für die ERGO Group. Im Heimatmarkt Deutschland gehört ERGO mit einem umfassenden Angebot zu den führenden Anbietern in den Segmenten Leben, Sach und Gesundheit. 2023 hatte ERGO einen Versicherungsumsatz von 20 Milliarden Euro sowie versicherungstechnische Aufwände in Höhe von knapp 18 Milliarden Euro. ERGO gehört zur Munich Re – einem der weltweit führenden Risikoträger.
Contact info
Germany
- meinfeedback@ergo.de
- ergo.de
3.8
Great
8K reviews
Replied to 99% of negative reviews
Typically replies within 24 hours
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Avoid ERGO Travel Insurance at All Costs
ERGO Travel Insurance has shown a complete lack of compassion, fairness, and common sense.
My cancellation claim was rejected after my 18-month-old daughter became seriously ill just hours before an international flight. She had a high fever and persistent vomiting, and at midnight, we contacted NHS 111, the UK’s official out-of-hours emergency medical service. After a clinical assessment, we were explicitly advised not to travel.
ERGO refused the claim because:
We didn’t take a vomiting infant to A&E at 2–3 a.m.
NHS 111 medical advice was dismissed as “insufficient.”
A GP letter issued later the same day (after symptoms eased) didn’t magically state she was unfit at 06:00 that morning
This is utterly unrealistic, unreasonable, and cruel.
They even claimed my child was “fit to fly” — despite the fact that the only medical advice available at the time told us not to travel, and despite the journey being over 24 hours door-to-door (multiple flights plus a 12-hour road trip).
ERGO seems to expect parents to either:
Ignore NHS medical advice, or
Drag a dangerously unwell toddler to the hospital in the middle of the night, or
Force a sick child onto long-haul flights just to protect their paperwork
This is insurance in name only. When you actually need help, they hide behind technicalities, hindsight, and impossible standards of “proof.
If your claim involves a child, illness, or real-world emergencies, do not expect ERGO to support you. I am now escalating this to the Financial Ombudsman Service.
I strongly advise anyone considering ERGO Travel Insurance to look elsewhere.
18 December 2025
Unprompted review
Reply from ERGO Deutschland
Hello Mr. Siddhant Awati,
thank you for taking the time to share your experience with us.
We are very sorry to hear that your toddler has become seriously ill.
We can fully understand how stressful this situation must have been for you and your family.
We kindly ask you to reach out directly to the feedback team at ERGO Travel Insurance regarding your concern. Please send your details along with the case number to feedback@ergo-reiseversicherung.de so that your case can be reviewed again.
We hope a satisfactory solution can be found.
Best regards
Tanja vom "ERGO Mein-Feedback-Team"
Reply from ERGO Deutschland
Hello UGOCHUKWU VICTOR NWAGWU,
Thank you for your feedback!
I appreciate your encouragement and we look forward to discussing future plans further.
Best regards,
Natalie from the "ERGO Mein-Feedback-Team"
The worst App in the world
The worst App in the world. For every action on app it gaves Error even for simpel inbouw uploading or sending a message or chat with Customer Service. Even a normal e-mail adres is not working. I sent a text message to the agent to the mobile number. He tried to send me a document, it didn’t work 🥺🤨 the worst thing is: these issues are not new, it is now about 1 year like this.
31 October 2025
Unprompted review
Reply from ERGO Deutschland
Hallo Consumer,
thank you for your feedback.
We're sorry to hear about your negative experience with the app.
We understand how frustrating it can be when you encounter errors, especially with basic functions like uploading and messaging. Your concerns regarding the ongoing issues over the past year are noted, and we take them seriously.
We are committed to improving the app and will work on addressing these problems. If you have any additional details or specific examples, please feel free to share them with us.
You can reach us via email at meinfeedback@ergo.com.
Please include the following information in your message:
- Your insurance policy number
- Your username on Trustpilot
- Your full name
- Your address
Best regards,
Natalie from the "ERGO Mein-Feedback-Team"
I was confronted with the most rudeness…
I was confronted with the most rudeness from 2 customer service agents. Both spoken with me in the most degrading way. The first one did just put the phone down after she spoken with me as I am stupid, I explained the situation to the second one Frau Gudrun and she replied its not my issue intead of apologising, representing the ERGO - incredible customer service. Do they know without clients they would not have a job and I was super nice and so upset in the end, the second one put the phone down as she refused to apologise for her colleagues behaviour.
29 October 2025
Unprompted review
Reply from ERGO Deutschland
Hallo Claudia Pfeiffer,
thank you for taking the time to share your feedback.
I'm truly sorry to hear about your experience with our customer service agents. It’s completely understandable to feel upset when treated poorly, and I appreciate you bringing this to our attention. We strive to provide a positive experience for all our clients, and it’s clear that we fell short in this instance.
Your feedback is invaluable, and I would like to ensure that your concerns are addressed properly. Please don’t hesitate to reach out via email at meinfeedback@ergo.de. Please provide us with the following information:
- Your insurance policy number
- Your username on Trustpilot
- Your full name
- Your address
I will make sure that your situation is reviewed and that appropriate actions are taken.
Thank you for your patience, and I hope to assist you in resolving this matter!
Best regards,
Natalie from the "ERGO Mein-Feedback-Team"
Horrible experience
When you make a claim i did not realise that you needed to take out Life insurance as well as Travel ins with this company as it took 6 months before claim was settled which did not help my wife's and my health, we had to cancel our holiday on the morning of travel as my wife was very ill and all this company did was keep asking for more and more information and 12 months of medical records which in the end they didn't need, so please be very careful of this company if you see them they are untrust worthy.
Because of all the stress i myself finished up in Hospital for the day and night so i hope this company can feel proud of there achievements.
29 May 2025
Unprompted review
Reply from ERGO Deutschland
Hallo Alan Cullwick,
vielen Dank, dass Sie Ihre Erfahrungen mit unserer Reiserücktrittsversicherung mit uns teilen.
Es tut uns leid zu lesen, dass Sie mit dem Service der ERGO Reiseversicherung unzufrieden sind und dass es zu solchen Unannehmlichkeiten gekommen ist.
Sollte noch Klärungsbedarf bestehen, bitte ich Sie, eine E-Mail an feedback@ergo-reiseversicherung.de mit folgenden Informationen zu senden:
- Versicherungsscheinnummer
- Ihren Usernamen auf Trustpilot
- Ihren vollständigen Namen
- Ihre Anschrift
Viele Grüße von Andrea aus dem "ERGO Mein-Feedback-Team"
Communication I guess fine
Communication I guess fine; more than 2 months to pay me back for the dental treatments I paid in advance. Not acceptable.
4 September 2025
Unprompted review
Reply from ERGO Deutschland
Hello Maria,
thank you for bringing this to our attention.
We apologize for the delay in processing your reimbursement for the dental treatments. We understand that waiting for more than two months is frustrating, and we are committed to resolving this issue as quickly as possible.
Thank you for your patience.
Best regards,
Natalie from „ERGO Mein-Feedback-Team“
Rude customer support
I am absolutely frustrated with ERGO’s customer support. I called to ask about the status of my case and was greeted with extreme rudeness from the agent. She immediately said she couldn’t tell me the status and had no information (what?). Then she complained that the system hadn’t granted her access all day. When she finally logged in, there was a loud, constant beeping—caused by her cheek pressing phone buttons—making it nearly impossible to understand what she was saying. When I asked her to repeat herself because I didn’t understand, she sighed loudly and responded tersely with something completely different. I may not be a native German speaker, but that doesn’t justify being treated dismissively—even though I was simply asking what the next steps were and what to expect. I ended the call out of sheer frustration. ERGO, please do better!
2 September 2025
Unprompted review
Reply from ERGO Deutschland
Hello Kat,
thank you for your feedback.
We are sorry to hear that you had such a negative experience with our customer support.
Unfortunately, there was a prolonged widespread system outage yesterday that made it almost impossible for us to address our customers' concerns.
Our systems should be functioning properly again today, and our customer service team is happy to assist you. Of course, we are also happy to answer your questions in writing. You can reach us at the email address meinfeedback@ergo.de. Please include the following information along with your questions in your message:
- Your policy number
- Your name and address
- Your username
Providing your information will help us assign your concern more quickly.
We would like to apologize once again for the conversation you had yesterday.
Best regards
Tanja vom "ERGO Mein-Feedback-Team"
Reply from ERGO Deutschland
Hallo Bright Asewo,
besten Dank für die 5-Sterne Bewertung.
Es freut uns, dass Sie sich für uns entschieden haben und wir Sie zu unseren zufriedenen Kunden zählen dürfen.
Viele Grüße von Bernd vom "ERGO Mein-Feedback-Team"
Reply from ERGO Deutschland
Hallo fomukong julius,
besten Dank für die Bewertung und für das Lob.
Wir freuen uns zu hören, dass alles in Ordnung ist.
Viele Grüße von Bernd vom "ERGO Mein-Feedback-Team"
customer service behavior is very rude.
First of all their customer service is very bad . Their behavior is like they don’t care about my opinion.
I have an Ergo Rechtsschutz insurance. I just tried two weeks to contact through customer service number and get to know how can get a free lawyer advice. Yesterday one customer service provider told me that as a foreigner You can’t get any free advice or help from the lawyer.
So, why should I pay every month for this insurance? Why everything is so complicated? Your customer service provider should speak friendly.
4 June 2025
Unprompted review
Reply from ERGO Deutschland
Hello Ashis Saha,
thank you for your review.
We apologize for any inconvenience.
We will be happy to forward your review to the relevant department to address your concerns.
Furthermore, we ask that you please provide us with the following information by email to meinfeedback@ergo.de:
Your insurance policy number
Your name, address, and date of birth
Your Trustpilot username
We hope this is in your best interest and that we can resolve the matter.
Sincerely,
Tanja from the "ERGO My Feedback Team"
Reply from ERGO Deutschland
Hello Praharsha Sirsi,
thank you for your feedback.
We're pleased that you manage your contracts digitally with us and find the online services connected to the customer portal helpful.
We're happy to help.
Best regards, Tanja from the "ERGO My Feedback Team"
Reply from ERGO Deutschland
Hallo Kledis Blloshani,
besten Dank für die 5-Sterne Bewertung und für das Lob!
Wir freuen uns, dass wir Sie zu unseren zufriedenen Kunden zählen dürfen.
Viele Grüße von Bernd vom "ERGO Mein-Feedback-Team"
ERGO is very reliable source
19 May 2025
Unprompted review
Reply from ERGO Deutschland
Hello Kevin Ajayi,
thank you for your review.
We are pleased that you see us as a reliable partner.
We are happy to be there for you.
Many greetings from Tanja - "ERGO Mein-Feedback-Team"
Avoid this company
Avoid this company. They take your money quickly but provide no service. They don’t respond, refuse to pay, and take no responsibility. I’m stuck in a two-year contract with them. I will never go back!
25 April 2025
Unprompted review
Reply from ERGO Deutschland
Hello JY,
thank you for your review.
We offer various supplemental dental insurance plans. The benefits of each plan vary.
We apologize if there was a misunderstanding regarding the benefits, and you are dissatisfied.
Our customer service team will be happy to assist you and inform you about the contractually agreed benefits of your existing contract.
We hope this is in your interest and ask you to email us with the following information to meinfeedback@ergo.de.
- Your insurance policy number
- Your name and address
- Your Trustpilot username
Best regards
Tanja vom "ERGO Mein-Feedback-Team"
🚩 Avoid this company
🚩 Avoid this company. ⛔️ After two years of full casco, paid at enormous prices, although I have three cars insured with them, they refused to pay a vandalism damage. They invoked puerile reasons, such as the amount in the sales contract being too low, proof of a parking ticket and the lack of witnesses. Basically, I had to prove to them how the damage occurred, and do the police's job. Dear insurers, that's why it's called full casco, that's why you rob us of extra money, so that we can have peace of mind! ⛔️
3 October 2024
Unprompted review
Reply from ERGO Deutschland
Hello david white,
thank you for your review.
We are sorry that your claim was not settled.
We would like to forward your review to the vehicle claims department and ask that you provide us with the following information via email.
- The claim number/policy number
- Your name and address
- Your Trustpilot username
We hope this is in your interest.
Sincerely,
Tanja, "ERGO My Feedback Team""
ERGO Germany Fraud not answering emails
My wife A.....a M ...er (d.o.b. ...06.14) prev of Munich Bavaria had a policy mature in Sept 2024. She currently resides in South Africa.
It was paid out to a fictitious A..,a M...,.r to a bank account in Austria. A......er was sent a proof of payment, but we think your systems are hacked, as the bank appears as fictitious as the gmail account. The 'real' A...
a M....er has never changed her email address.
All emails to Ergo Germany as well as phone calls, are going unanswered. Short of going to the social media, how does one resolve this immediately ?
Kindest regards
Trevor Clarke
On behalf of A....a M.....ter
1 September 2024
Unprompted review
Reply from ERGO Deutschland
Hallo Cybele Lodge,
vielen Dank für Ihre Bewertung.
Es tut uns leid, dass unser Schadenservice nicht reibungslos funktioniert und Sie noch keine Rückmeldung erhalten haben.
Bei der Klärung dieser Angelegenheit möchten wir Ihnen behilflich sein und die die zuständigen Ansprechpartner in Kenntnis setzen.
Damit wir dies tun und die Kollegen kontaktieren können, bitten wir Sie uns folgende Informationen via E-Mail an meinfeedback@ergo.de zu senden:
- Ihren Usernamen auf Trustpilot
- Ihren vollständigen Namen
- Den Namen Ihrer Frau
- Versicherungsscheinnummer
- Anschrift
Mit freundlichen Grüßen
Bernd vom „ERGO Mein-Feedback-Team“
We have an old contract with Ergo…
We have an old contract with Ergo direct. Unfortunately we made it online. Never again! Unfriendly customer service. No advice! Now I stand here Ergo won't pay because they say the teeth were missing before we took the contract. We told Ergo I had teeth missing and there
was no problem they would pay. 12 years on Ergo won't pay for the missing teeth. Wouldn't even pay for a bridge so I had to pay. What's the point in insurance if they won't pay. Even though they advertise they will pay even if you have missing teeth! We made the contract online so now we are left in " no mans land" thinking of cancelling the contract. Great after 12 years. Waste of money.
11 February 2025
Unprompted review
Reply from ERGO Deutschland
Hello Z Matthes,
thank you for your review.
From a customer perspective, your anger is very understandable.
As an insurer, we must check each benefit case based on the contractual conditions to determine whether the requested service is contractually covered.
In our pension contracts for dentures and tooth preservation in both the old and the new tariff generation, no benefits are insured for teeth that were already missing before the start of the contract.
We are sorry that you are disappointed.
You are welcome to contact us by email if you have any questions regarding your contract.
You can reach us at the email address meinfeedback@ergo.de.
Mit freundlichen Grüßen
Tanja vom "ERGO Mein-Feedback-Team"
Scammer company
I bought insurance for a concert, a concert I really wanted to go to. Unfortunately, as I was travelling, I got sick with COVID. In this day and age, you do not go to your doctor with COVID, you do a test at home and you stay put. That is what I did. I tried reselling the tickets, but it did not work, and as I could not go to the concert, I tried to claim what I paid for. I am now 80 eur out of pocket. They are scammers, and they will ask for a medical certificate just so that they don't have to pay you. Do not use them!
They also do not allow you to write text, the only way to upload anything is to upload a PDF. Awful interface, not at all user friendly, suits this awful company.
3 January 2025
Unprompted review
Reply from ERGO Deutschland
Hello Marion,
thank you for your review.
We are sorry that you are so disappointed with ERGO travel insurance.
The ERGO travel insurance feedback team is your contact in this case.
We would like to ask you to contact the ERGO travel insurance feedback team by email and describe your case.
You can reach the feedback team at feedback@ergo-reisevericherung.de. Please include your details and the case number.
Best regards
Tanja from "ERGO My Feedback Team"
Alles gut….
8 November 2024
Unprompted review
Reply from ERGO Deutschland
Hallo Mark Breen,
vielen Dank für Ihre positive Bewertung.
Schön zu hören, dass alles in Ordnung ist.
Wir sind gerne für Sie da.
Viele Grüße von Tanja vom "ERGO Mein-Feedback-Team"
Ergo does not resolve my claims
Ergo did not resolve my claim after 7 months
I decided to pay extra for my liability insurance at Ergo so that in case I lose my keys my insurance would cover it. Unfortunately it happened to me, and I cannot get my claim resolved at ERGO after 7 months.
I have already spent so much time to provide the required documents. But they seem to delay the process deliberately at each step. They play a long game of trying to get me tired of trying it again. Every time, I send them the required information, they get back with some new questions. I answer, and nothing happens until I reach out again to ask about the progress, that is the point when they send me their new next question.
Their latest inquire is about the age of the lock. I don't even live in that apartment any more and why couldn't they ask this question at the beginning? What does it change when I already have an invoice from the owner? How could I prove the age of the lock?
Why should I pay for their insurance and for the extras if I don't benefit from it when I need it?
Stay away from them!
25 November 2024
Unprompted review
Reply from ERGO Deutschland
Hello Dávid Szabó,
thank you very much for your feedback.
We are sorry that you are dissatisfied with the way your claim has been handled.
We would like to forward your review to the contact person, who is responsible for you.
Furthermore, we hope that this is also in your interest and ask that you email us with this information to meinfeedback@ergo.de.
- Your claim number
- Your name and address
- Your Trustpilot username
With this data, an assignment can be made, and the correct specialist department can be informed.
Best regards
Tanja vom "ERGO Mein-Feedback-Team"
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