Review: ERGO travel insurance

Key features

  • Has a range of policies for many different types of travellers
  • It underwrites policies for household name companies
  • ERV has a travel policy for cyclists

Summary

Previously trading as ERV Travel, ERGO Travel Insurance is part of the Munich Re Group, one of the world’s largest reinsurers. Its UK headquarters (European Travel Insurance) is part of a network of 21 offices throughout Europe.

Its products are used by some of the world’s largest travel companies, airlines, hotel chains, tour operators and many more. It offers a wide range of travel products, from backpacker policies to cover for pre-existing medical conditions.

Find out if ERGO is in our list of the 10 best travel insurance policies or see how much you could save when you get a travel insurance quote from ERGO today.

Cover provided by ERV

ERGO offers many different types of travel insurance policies — such as  backpacker cover and leisure cover — including policies for those with pre-existing medical conditions.

Within each policy is three levels of cover — Element, Protect and Optimum.

Pre-Existing Medical Care Cover

Its Pre-Existing Medical Care Cover “gives you the freedom to experience the world [...] for people seeking travel insurance with medical conditions”.

Element Protect Optimum
Medical expenses Up to £7.5m Up to £10m Up to £15m
Cancellation Up to £1,500 Up to £3,000 Up to £5,000
Personal possessions Up to £750 Up to £1,500 Up to £2,500
Personal accident Up to £10,000 Up to £20,000 Up to £30,000

All ERGO Medi-Care Annual Multi-Trip Travel Insurance products offer free 24/7 medical assistance as standard.

Leisure Travel Insurance

ERGO’s Leisure Travel Insurance was “created by people who love to travel and understand what you want from your holiday travel insurance”. They offer both Single and Annual Multi-Trip policies for Europe and worldwide.

Its policy levels are some of the coverage options are outlined below:

Element Protect Optimum
Medical expenses Up to £7.5m Up to £10m Up to £15m
Cancellation Up to £1,500 Up to £3,000 Up to £5,000
Personal possessions Up to £750 Up to £1,500 Up to £2,500
Personal accident Up to £10,000 Up to £20,000 Up to £30,000

Winter Sports cover

Winter Sports insurance can cover you for a range of activities including skiing and snowboarding. It’s important to make sure you have Winter Sports cover if you’re planning on a Ski Holiday.

ERGO’s Winter sports cover includes cover for:

Element Protect Optimum
Medical expenses Up to £7.5m Up to £10m Up to £15m
Cancellation Up to £1,500 Up to £3,000 Up to £5,000
Winter sports equipment Up to £500 Up to £750 Up to £1,000
Personal accident Up to £10,000 Up to £20,000 Up to £30,000

ERGO also provide cover for:

  • — It has three levels of cover, predominantly aimed at protecting cyclists. Read our cyclists guide to insurance to learn more about cover while travelling.
  • — Cover for activities like surfing, trekking, snorkelling and more. It has three levels of cover that range from Traveller, Adventurer and Pioneer which are all designed to reflect the experience of each backpacker.
  • — Specialist travel insurance that is designed for winter and summer seasons; specifically, ski and snowboarding instructors, chalets hosts, and other  seasonal staff.

How much does cover cost?

Your policy will depend on a number of factors, such as how old you are, where you live, and where you’re travelling to. Prices will vary depending on what ERGO policy you are considering, but we’ve looked at the cost of two of its standard travel products.

Annual worldwide cover for a 22-year-old gives prices:

Element Protect Optimum
£29.89 £40.44 £61.80

For a 40-year-old on a worldwide single trip for up to 10 days, the quotes are:

Element Protect Optimum
£24.42 £33.04 £50.50

Find out how ERGO’s cover compares with the top travel insurance companies.

What do ERV customer reviews say?

On the reviewer website Trustpilot, ERGO Travel Insurance is rated 3.7 out of 5 stars with an overall rating of “Average” (correct as of September 2021).

This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.