We have annual travel insurance with ERGO Group and recently had a very good experience with their service. We planned a Disneyland trip for our daughter, but the night before she became very... See more
Company replied
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See what reviewers are saying
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
Company replied
🚩 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, su... See more
Company replied
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
Company details
- Insurance Company
- Auto 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
9K reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 98% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Solid foundation, but the gaps are telling
Solid foundation, but the gaps are telling"
Spending a few minutes scrolling through ERGO's reviews across different platforms gives you a pretty clear picture. On their own site, they're sitting at a glowing 4.7—clean, curated, controlled. But step over to independent sites like Trustpilot, and the story shifts. The 1-star reviews aren't that many in the grand scheme, but they cluster around the same pain points: claims that dragged on for months, communication that went cold, customers who felt they had to chase just to get a status update.
To their credit, they respond to almost every negative review. And they do it well—polite, professional, always offering to escalate to their "Feedback-Team." That's the kind of response discipline that keeps a brand afloat when things go wrong.
But here's the thing that jumps out at me—and I say this as someone who works in reputation management day in, day out: they're not closing the loop. They reply, they redirect, but the reviews never get updated. No follow-up comments from the customer saying "they fixed it." No resolution posts. So the negative narrative just sits there, frozen, doing quiet damage over time.
I won't sugarcoat it—with a few strategic nudges, this could easily be a 5-star profile across the board. The bones are there. The infrastructure, the response team, the willingness to engage. It would honestly take more fine-tuning than heavy lifting.
Whether they actually want that is another question. Sometimes companies prefer the controlled environment they've built on their own turf, and independent platforms become an afterthought. That's a choice. But if they ever decide to treat every platform the way they treat their own site? They'd be unstoppable.
11 June 2026
Unprompted review
Reply from ERGO Deutschland
Hello Biteris One,
thank you for your detailed look at our reviews.
When it comes to "closing the loop" on public platforms, resolutions at our end mostly happen in direct exchange with our customers and rarely become visible on the platform itself.
That is an observation we will take with us.
Kind regards,
Tanja vom "ERGO Mein-Feedback-Team"
Excellent and Reliable Travel Insurance During a Difficult Trip
We have annual travel insurance with ERGO Group and recently had a very good experience with their service.
We planned a Disneyland trip for our daughter, but the night before she became very sick with a high fever and could barely walk, so we were unable to use our Disneyland tickets. We also used ERGO’s online doctor/video consultation service during the trip, which was very convenient and helpful.
After opening a claim for the unused Disneyland tickets and related costs, the process was quick and smooth. They only requested a few documents, and the refund was processed within days.
We travel often as a family, and this insurance gives us real peace of mind. I’ve already extended the coverage for the coming years.
Thank you for the fast, professional, and reliable support.
14 March 2026
Unprompted review
Reply from ERGO Deutschland
Dear Mehdi B.,
thank you so much for taking the time to share your experience in such detail.
We are very sorry to hear that your daughter became so unwell right before your Disneyland trip — that must have been a real disappointment for the whole family.
We are glad that we could at least take the financial worry off your shoulders quickly, and that our online doctor service was helpful during your travels.
It means a lot to us that you have already extended your coverage for the coming years. We wish you and your family many wonderful, smooth, and above all, healthy trips ahead.
Kind regards,
Tanja from the "ERGO Mein-Feedback-Team"
No communication whatsoever
They simply don't answer their mails or calls, it is really astounding that something like this is even legal.
7 April 2026
Unprompted review
Reply from ERGO Deutschland
Hello Jan Hoste,
Thank you very much for your message.
I am very sorry to hear that you have not received any response to your emails and calls so far. We will review your concern immediately and ensure that you receive a response as soon as possible.
To look into your matter in more detail, we would like to clarify why no response has been received so far. Please send us an email to meinfeedback@ergo.de with the following information:
- Policy number
- Your username on Trustpilot
- Your full name
- Your address
We will forward your concern immediately to the responsible department.
Thank you very much for your patience. We are doing everything we can to help you as quickly as possible.
Kind regards,
Natalie from the “ERGO Mein-Feedback-Team”
After almost 6 months
After almost 6 months, still waiting for travel claim to be sorted after my Sister was told she had hours to live, meaning i had to gly back from our holiday. No compassion at all. Have made it very stressful having to go over and over it everytime I call.
2 March 2026
Unprompted review
Reply from ERGO Deutschland
Hallo CompleteSavings member,
vielen Dank für Ihre Bewertung.
Es tut uns sehr leid zu hören, dass Sie in einer so belastenden Situation auf die Bearbeitung Ihres Reisekostenantrags warten müssen und dabei zusätzlichen Stress durch wiederholte Erklärungen erfahren haben.
Wir können gut nachvollziehen, wie schwierig das für Sie sein muss, und bitten die Ihnen entstandenen Unannehmlichkeiten ausdrücklich zu entschuldigen.
Gerne stehen wir Ihnen persönlich zur Verfügung, um den Prozess zu beschleunigen und Ihr Anliegen direkt an die zuständigen Kollegen im Leistungsteam weiterzuleiten.
Bitte senden Sie uns dazu folgende Angaben via E-Mail an meinfeedback@ergo.de:
- Ihre Versicherungsscheinnummer
- Ihren Usernamen auf Trustpilot
- Ihren vollständigen Namen
- Ihre Anschrift
Mit freundlichen Grüßen
Bernd vom "ERGO Mein-Feedback-Team"
Extremely disappointed – Poor service and irrelevant upsells
Unfortunately, this is a negative review. ERGO is incredibly slow, fails to honor contract terms, and does not provide proper support. I still haven't received the insurance certificate for my vision insurance. Instead, I receive monthly advertisements for dental and accident insurance—policies I canceled years ago.
The customer service is baffling. When I called to inquire about my vision coverage, a representative named Mr. Hof asked, "Do you have home contents insurance?" Seriously? What does home contents insurance have to do with my eyes?
After years of dealing with unwanted ads and poor communication, I have decided to leave ERGO for good. It’s simply not worth the hassle.
24 February 2026
Unprompted review
Reply from ERGO Deutschland
Hallo Hossein Mehrabani,
vielen Dank, dass Sie sich die Zeit genommen haben, uns Ihr Feedback mitzuteilen.
Es tut uns leid zu hören, dass Sie mit unserem Service unzufrieden sind und dass es zu Verzögerungen bei der Bereitstellung Ihres Versicherungsscheins gekommen ist.
Gern möchten wir prüfen, was dazu geführt hat, dass Ihnen dieser nicht zugestellt wurde, und den Versand nachholen. Bitte senden Sie uns eine E-Mail an meinfeedback@ergo.de und teilen Sie uns die folgenden Informationen mit:
- Ihre Versicherungsscheinnummer
- Ihren Namen und Ihre Adresse
- Ihren Benutzernamen bei Trustpilot
Mit diesen Angaben können wir Ihr Anliegen schneller bearbeiten und Ihnen die notwendige Unterstützung bieten.
Mit freundlichen Grüßen
Tanja vom ERGO Mein-Feedback-Team
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""
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