ERGO Travel Insurance Services

What ERGO Travel Insurance Services does

ERGO Travel Insurance Services Ltd is a UK-registered private limited company (Company Number 11091555, incorporated 2017) that underwrites and distributes travel insurance policies to UK residents on behalf of the ERGO Group, a German-headquartered insurance conglomerate that the company states has been trusted by more than 30 million people since 1907. The company is authorised and regulated by the Financial Conduct Authority (Registration Number 805870) and operates from a customer-services office in Horsham, West Sussex, with a registered London office at 1 Fen Court. Its product portfolio comprises five core lines — Leisure, Medi-Care (pre-existing medical conditions), Winter Sports, Backpacker, and Cycle and Triathlon — sold across three coverage tiers (Essentials, Extra, Elite) and seven optional add-ons covering gadgets, cruises, rental vehicle excess, golf, pets, weddings, and business travel. All policies are underwritten by Great Lakes Insurance UK Limited, with ERGO TIS acting as the distributor and underwriting agent.

The company's technology stack combines a proprietary online quote-and-purchase platform (quote.ERGOtravelinsurance.co.uk) with two third-party AI/data integrations: CourtCorrect Ltd for NLP-assisted complaint handling, and Verisk Risk Rating Limited for automated risk scoring of pre-existing medical conditions. Operational delivery is sourced from an extensive partner ecosystem, most notably Euro-Center Holding SE for 24/7 global emergency medical assistance and repatriation, with additional claims handling routed through Davies Group, Gallagher Bassett, Insurance Administration Services, Insurance Factory, Taurus, Trent-Services, Global Excel, Mayday, and Air Doctor.

ERGO Travel Insurance generates revenue primarily through insurance premiums on single-trip and annual multi-trip policies, augmented by add-on product sales. The go-to-market model is hybrid: direct-to-consumer through the website and a phone sales desk, supplemented by authorised insurance brokers and intermediaries, with a referral arrangement to the British Insurance Brokers' Association for non-UK residents. The company states it protected over 2 million trips in the most recent year. The customer base is entirely consumer and highly fragmented, segmented into leisure travellers (primary), backpackers, winter-sports enthusiasts, cyclists and triathletes, and travellers with pre-existing medical conditions.

Name

ERGO Travel Insurance Services

Legal name

ERGO Travel Insurance Services Ltd

Website

https://ergotravelinsurance.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

ERGO Travel Insurance Services Ltd is a UK-based travel insurance provider and FCA-authorised subsidiary of ERGO Group, offering single-trip, annual multi-trip, backpacker, winter sports, cycling, and pre-existing medical cover to UK residents through direct online, phone, and broker channels, underwritten by Great Lakes Insurance UK.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel Insurance (Trip Cancellation/Interruption & Delay) (FSAJAJAA)

akta.pro secondary industries

Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Travel insurance
• Single trip cover
• Annual multi-trip
• Pre-existing medical cover
• Winter sports insurance

Headquarters

HQ city

Horsham

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Premiums: ERGO Travel Insurance generates revenue through the sale of travel insurance policies. The company offers single-trip policies for one-off holidays covering round trips up to 90 days, and annual multi-trip policies that protect multiple trips throughout the year. Premiums are calculated based on trip details, traveller information, and medical declarations, including any pre-existing conditions.
2. Add-on Coverage Products: Additional optional coverage products available for purchase including Gadget, Cruise, Rental vehicle excess waiver, Golf, Pet care, Wedding and civil partnership ceremony, and Business travel add-ons.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

ERGO Travel Insurance Services sells UK-regulated travel insurance policies to individual leisure travellers and families, offering single-trip and annual multi-trip cover with optional add-ons (gadget, cruise, golf, pet, wedding, business, rental vehicle excess). Core products include Leisure travel cover, Medi-Care (cover for pre-existing medical conditions), Winter Sports, Backpacker (long-stay up to 18 months), and Cycle and Triathlon insurance, available in three coverage tiers (Essentials, Extra, Elite) with 24/7 emergency medical assistance through the Euro Center partner.

Product overview

ERGO Travel Insurance Services offers a comprehensive portfolio of travel insurance products distributed across multiple customer-facing brands and coverage tiers. The core offerings include Leisure (single trip up to 90 days or annual multi-trip up to 32 days per trip), Medi-Care (same as Leisure plus cover for pre-existing medical conditions), Winter Sports (single trip up to 276 days or annual multi-trip with winter sports coverage), Backpacker (long-stay single trip up to 18 months), and Cycle and Triathlon (cover for cycling activities and amateur triathlon). The company provides three coverage levels—Essentials, Extra, and Elite—with add-on options including Gadget, Cruise, Rental Vehicle Excess Waiver, Golf, Pet Care, Wedding and Civil Partnership Ceremony, and Business Travel. Policies are underwritten by Great Lakes Insurance UK Limited and include 24/7 emergency medical assistance through partners such as Euro-Center. The primary customer-facing digital properties are ergoinsure.co.uk for information and quote.ergotravelinsurance.co.uk for purchasing.

Differentiator

Problem solved

Functional benefit

Products and services

• Leisure Travel Insurance

Quantifiable outcome

• Over 2 million trips protected per year
• +1 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Great Lakes Insurance UK Limited (GLUK)coreStrategic or Co-development PartnerGreat Lakes Insurance UK Limited is the underwriter for ERGO Travel Insurance policies. ERGO TIS underwrites policies on behalf of GLUK. GLUK also acts as a Data Controller for certain personal data collected by ERGO TIS.
• Euro-Center Holding SEcoreTechnology or IntegrationEuro-Center provides 24/7 emergency medical assistance services for ERGO Travel Insurance customers. Also handles claims processing as a third-party claims handler.
• Verisk Risk Rating LimitedcoreTechnology or IntegrationProvides automated risk scoring system for calculating premiums for pre-existing medical cover. Makes automated decisions about risk scores based on comparison with other policyholders in the industry.
• British Insurance Brokers' Association (BIBA)minorChannel Partner/ Reseller/ DistributorBIBA provides referral services for non-UK residents or those who have already departed on their trips. ERGO directs customers who cannot be served to BIBA's website for alternative provider options.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• InsureandGo: UK travel insurance provider owned by MAPFRE, offering single trip, annual, and family policies with medical screening — competes head-to-head with ERGO TIS in price-comparison aggregators.
• Direct Line Travel Insurance: Major UK general insurer offering travel cover alongside home and motor policies — overlaps ERGO TIS in core single-trip and annual travel insurance for the UK consumer market.
• Churchill Travel Insurance: Direct Line Group's travel insurance brand, offering tiered single-trip and annual cover distributed via comparison sites — a direct UK consumer competitor with comparable product tiers.
• Avanti Travel Insurance: UK specialist travel insurer targeting older travelers and those with medical conditions, offering single trip, annual multi-trip, and cruise cover comparable to ERGO TIS's tiered and add-on structure.
• World Nomads: Specialist travel insurer for backpackers, adventure travelers, and long-stay trips; competes directly with ERGO TIS's Backpacker and Winter Sports products on niche segments.
• Staysure: UK-based direct-to-consumer travel insurance specialist, particularly strong in the over-50s segment, with single trip, annual multi-trip, and pre-existing medical condition cover — directly overlapping ERGO TIS's core product set and distribution model.
• AllClear Travel Insurance: UK travel insurance specialist focused on travelers with pre-existing medical conditions — the closest direct competitor to ERGO TIS's Medi-Care product and its signature differentiator.

Broad incumbents

• Allianz Travel Insurance: UK presence of global insurer Allianz (sister to ERGO Group's parent Munich Re) offering travel cover alongside home, motor, and life — competes in the same UK travel segment from a broader incumbent position.
• AXA Travel Insurance: UK arm of global insurer AXA offering travel cover as part of a broader personal insurance portfolio — competes with ERGO TIS in mainstream leisure travel but across a much wider product range.

Emerging players

• Battleface: Travel insurance provider specializing in adventure, sports, and high-risk-activity cover (e.g., winter sports, cycling, motorsport) — an emerging competitor with partial overlap to ERGO TIS's Winter Sports and Cycle & Triathlon products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ergotravelins
• Facebookfacebook.com/ERGOTravelInsurance
• LinkedInlinkedin.com/company/ergotis

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ERGO Travel Insurance Services