ARAG Versicherungen Reviews 

No proper customer support and no responses to any of the emails. I just send a post if I need a response.
Started my contract with a different price and now with another increased price although we proved to have no recurring issue. I have no idea how an accident in a timeframe between the contract is signed and the time when the contract period started effectively was considered to be a pre-Illness. When I raised my concern and asked to cancel the contract there was no question on why I would like to cancel and if there is anything they can help or support. Rather it was a threatening post saying that I cannot cancel for the next two years. All in all I’m a very unsatisfied customer and I regret moving from Public insurance to Arag.

Where do I begin; I wish I'd read the online reviews prior to signing up with this rogue company. Like a previous reviewer said, AVOID this company particularly if you happen to be a foreigner residing in Germany. They will treat you worse than garbage. They have no problems taking your money from you in premiums but will find every possible reason for witholding your legally valid reimbursement claims. Nothing seems to work with them. i had made the mistake of having them as my legal and health insurers meaning I am unable to seek legal redress for the money I am still owed. Being a German company, they know they have the upper hand when dealing with foreigners, or at least they think they do, but they have now met one who will not stand for their nonsense dodgy behaviour. I have almost 3kEuros due back from them, which they are refusing to pay.
The company's management should really be struck off from any professional bodies to which they belong. Disgraceful and shameless company!

-1 star if I could

UPDATE (8 Jun 2023)
I note they have posted the same pointless generic response they do with all reviews. Ignore that nonsense - I have been sending them emails nad letters for the past 8 months or so and still no further from getting any actual responses and resolution. They're hoping that I give up - fat chance of that happening. The whole company from the board down to the customer non-services people should be wholly ashamed of themselves and the scam they seemto be running. I am looking for a proper legal recourse for getting my money back from these cowboys!

It is taking more than 2 months to pay out Krankentagegeld, despite providing them with doctors documents and employers documents. Horrible and slow service.

No communication in English - only paper based communication from ARAG, which leads to delays

Do not trust these people. Before you sign the papers, they promise you everything. Afterwards, it's another story. Basically ARAG is a scam operating as an insurance company. Just my experience dealing with them.

ARAG in New Hampshire did not have any atyorneys that could deal with a landlord tenant issue where i am the tenant and the landlord was not rpoviding heat and hot water per the leases.I had the premium plan. This organization is horrible and every attorney i dealt with was very rude.

I was kicked out from the insurance because ARAG did not want to pay psychotherapy. They found a single episode of asthma from years ago and used that to kick me out without warning or further explanation. It is expensive and the customer service is absolute garbage. It is impossible to get a hold of them on the phone and you never get the same person treating your case. Worst experience of my life, I would not recommend it to anyone.

I got a case number to get help from a lawyer that is recommended by ARAG to appeal a decision given by child benefit office (they rejected my application to get child benefit for my son going to university in Netherlands but still part of my household). I explained the situation to ARAG and they confirmed I can use my legal insurance and gave me a case number. The law firm recommendation to appeal did not make sense at all and I did not want to increase the cost so I just appealed the decision myself which was accepted. Law firm requested €226 for their consultancy service. ARAG refused to pay stating that tax law does not pay consultation service. I can understand this but this should have been told me by ARAG at the beginning what will be paid and what will not be paid. Another frustration is I did not get any response back from ARAG when I officially complained about their decision and asked an explanation. This was not professional at all. I am no longer working with them. They seemed to be professional until I needed to use the insurance.

Horrible experience. Every single medical bill is contested, doctors interrogated to find out how can they charge me more. They have increased the price twice in 2 years and they also do not speak ANY English.

Seriosly people, avoid Arag like the plague. By far the worst experience in Germany in over six years. They won't communicate with you in any other form than strictly German letters sent by mail. They will not cover your health expenses and still raise the insurance. The list goes on, they will try to srew you over in any and every way. What an absolute disaster of a company. Anyone working for Arag should drown in their shame.

No English support or language on site. Hidden payments! Very bad support!

I am ARAG Customer for more than 2.5 years ( Rechtsschutz), in those 2.5 years i have reported just 2 cases, in wich i got just a legal advice from a lawyer (Telephone) without any further legal actions or court fees, even though they cancelled the contract.
you can stay als long you pay without any complaints, as soon as you need help prepare yourself to get your contract cancelled.

Please don't sign up if you don't speak German, it's extremely hard to find a customer representative who speaks English and also the app is only available in German. I signed up via Check24 and have been with them for 6 months and had multiple issues with the reimbursement of the bills. The agent from Check24 has not been very useful, despite the big commission he took, so please make sure you're not fooled by any agent. They take forever to reimburse the bills and are not fully transparent about their coverage so I have to call them every single time I have tests or treatments to take This is my first experience with a private health insurance company in Germany so I can't compare with other companies but my experience so far has been terrible.

I have paid this insurance for 3-4 years, when I first time got lawyers in 2-3 cases in one year, they closed the contract - of course legal matters may take several years - I had confirmation of the cost-coverage (Zuzage Kostenubernahme) but later they refused to cover more than one-correspondance cost (like nothing). I would warn everyone to avoid such name which does not care their customers in troubled times.

This insurance company terminated my contract with them on false terms, while i was not responsible for the complete misbehaviour of a colleague, or so called boss, who diffamed, threatened and peformed brutal violance against me in an employment with Opodo Ltd, part of eDreams ODIGEO.
For this reason my life was severely threatened and damaged, my son was kidnapped, i lost my home etc. The insurance costs would have had to be directed correctly to the violator and criminal in this regard.

Terrible customer service, no English, no digital experience to submit/download essential documents, and expensive for what you get.

I have tried to have an issue resolved by calling 6 separate times. Each time I talked to someone new with a different story. Essentially a giant run-around.

I just moved to ARAG PKV and I am extremely disappointed. Their coverage and offer seemed very generous when I made the decision, but after a few months it's become clear just how poor their customer service is.

I sent an email to their customer service team THREE WEEKS ago, and have heard nothing back. All I want to know is if I'm eligible for a check-up.

UNLAWFUL, DISHONEST, CRIMINAL ORGANIZATION! ARAG IS NOT AN INSURANCE, IT IS A TRAP! THEY GET YOUR DATA ILLEGALLY AND SEND INVOICES OF INSURANCES NEVER HIRED BEFORE. CUSTOMER SERVICE, CHAT AND EMAIL ARE NONEXISTENT SERVICES THAT JUST PUSH THEIR MISTAKES TO ONE ANOTHER AND NO ONE HAS COMPETENCE, DECENCY OR CHARACTER TO SOLVE ANYTHING!

I recently returned to Germany from living many years abroad. I was advised to sign up with a Rechtsschutz. I chose Arag but was unaware that if you use their legal services more than twice that they will terminate your contract which has the adverse effect that no other insurer will insure you... No upfront information, no warning, just a termination... So beware, life lesson learned...