ERV

What ERV does

ERV (Europäische Reiseversicherung) is a Swiss insurance provider focused on travel, leisure, mobility, health, pet, corporate travel, and event-related coverage. It operates as a branch of Helvetia Schweizerische Versicherungsgesellschaft AG and serves private customers such as individual travelers, families, pet owners, and hosts of foreign guests, as well as business customers including corporate travel buyers and event organizers.

The product portfolio includes Multi Trip annual travel insurance, Single Trip and Group Trip cover, vehicle breakdown and rental vehicle insurance, supplementary health and guest insurance, the coverio health brand, the wau-miau pet insurance brand, Corporate Travel Insurance CTI, and Eventunfallversicherung for events. Its technology stack includes direct online purchase and claims submission, a multilingual online claims portal, the STIP B2B partner platform for quoting and binding policies, mobile wallet pass functionality, and ERVin, an LLM-based customer support chatbot.

ERV monetizes through recurring annual insurance premiums, one-time trip and event premiums, group trip percentage-based pricing, corporate fixed-premium tiers based on travel days, add-on modules, and embedded or co-branded insurance distributed through partners. Its go-to-market combines direct online sales, travel agency and partner distribution through STIP, regional account managers for B2B clients, and embedded channels with banks, telecom, retail, travel, and health-insurance partners.

Name

ERV

Legal name

Europäische Reiseversicherung ERV, Zweigniederlassung der Helvetia Schweizerische Versicherungsgesellschaft AG

Website

https://erv.ch

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

51–100 employees

Short description

ERV is a Swiss insurance provider offering travel, leisure, mobility, health, pet, corporate travel, and event accident coverage to consumers, businesses, foreign guests, and partner-distributed customers through online, B2B portal, and embedded channels.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Carriers and Related Activities (524), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)

akta.pro secondary industries

Embedded Travel Insurance/Protection Payments & Claims Disbursement (THALAHAJ), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Travel insurance
• Leisure protection
• Corporate travel insurance
• Mobility insurance
• Pet insurance

Headquarters

HQ city

Basel

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Travel Insurance (Multi Trip): Annual recurring travel and leisure insurance providing 365-day worldwide coverage. Available in Easy, Clever, and Comfort tiers for individuals and families. Auto-renews annually unless cancelled 3 months before expiry.
2. Single Trip Insurance: One-time travel insurance for individual trips up to 92 days, priced by trip value (up to CHF 10,000 coverage).
3. Group Trip Insurance: Group travel insurance priced as a flat percentage (5-7%) of total arrangement price for groups of 5+ persons.
4. Add-on Packages (Road Trip, Study Trip, COVID-19): Supplementary coverage packages sold as add-ons to annual Multi Trip insurance: Road Trip (CHF 99), Study Trip (CHF 38), COVID-19 (CHF 32).
5. Vehicle Insurance (Rental & Breakdown): Vehicle breakdown protection (CHF 129/year) and rental vehicle insurance (CHF 15.50/day) covering excess, towing, and liability extensions.
6. Guest Insurance (Visitors to Switzerland): Insurance for foreign guests visiting Switzerland/Schengen area, with Schengen-compliant coverage tiers (CHF 25,000/50,000/250,000) and per-day or per-trip pricing.
7. Corporate Travel Insurance (CTI): Business travel insurance with fixed-premium tiers (Economy CHF 364, Business CHF 634, Premium CHF 941 per 50 travel days), priced based on company travel volume. Includes SOS, medical, cancellation, and liability coverage.
8. Event Accident Insurance: Accident and liability insurance for event organizers, covering visitor medical costs, rescue, repatriation, and psychological support. Priced from CHF 500 per event.
9. Partnership/B2B Embedded Insurance: White-label and co-branded insurance solutions sold through bank partners (PostFinance, Cembra, LUKB), telecom (Swisscom), VCS (bike insurance), and other B2B partners, generating commission-based and embedded insurance revenue.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

ERV provides travel, leisure, mobility, health, and pet insurance solutions for Swiss private consumers and corporate clients. Core offerings include annual Multi Trip travel insurance, Single Trip and Group Trip policies, vehicle breakdown and rental vehicle coverage, Schengen-compliant guest insurance, Corporate Travel Insurance (CTI), and event accident insurance. Products are sold directly to consumers online, through B2B partners via the Swiss Travel Insurance Platform (STIP), and through embedded white-label arrangements with banks and telecom providers.

Product overview

ERV (Europäische Reiseversicherung) operates as a multi-product insurance platform offering travel, mobility, health, and leisure insurance solutions. The core product portfolio centers on Multi Trip (annual travel insurance with three tiers: Easy, Clever, Comfort) supplemented by Single Trip and Group Trip for individual and group travel. Add-on modules include Road Trip (vehicle assistance), Study Trip (language travel), COVID-19 Zusatzpaket (pandemic coverage), and Freizeitschutz (leisure activities). Mobility offerings encompass Fahrzeugpannenhilfe (vehicle breakdown) and Mietfahrzeugversicherung (rental car). Health insurance products include Arzt- und Spitalkosten (supplementary health), Gästeversicherung (guest insurance), and the coverio health brand. The wau-miau sub-brand covers pet insurance for dogs and cats. Corporate solutions include Corporate Travel Insurance CTI (business travel) with Economy, Business, and Premium tiers, plus Eventunfallversicherung (event accident insurance). ERV functions as a subsidiary of Helvetia Schweizerische Versicherungsgesellschaft AG, distributing through B2B partners via the Swiss Travel Insurance Platform (STIP) and direct consumer channels.

Differentiator

Problem solved

Functional benefit

Brands

• coverio: Health insurance product
• wau-miau
• Corporate Travel Insurance CTI
• Multi Trip
• Single Trip
• Group Trip
• Mietfahrzeugversicherung
• Gästeversicherung
• Eventunfallversicherung

Products and services

• Multi Trip
• Single Trip
• Group Trip
• Fahrzeugpannenhilfe (Vehicle Breakdown Protection) Vehicle breakdown protection with 24-hour helpline for cars and motorhomes up to 3.5t including trailers and motorcycles. Covers towing, spare parts shipping, return transport, and vehicle repatriation within Europe. Family members driving insured vehicles are covered.
• Mietfahrzeugversicherung (Rental Vehicle Insurance) Rental vehicle insurance covering excess costs up to CHF 5,000 for collision and theft damage. Includes liability coverage enhancement up to CHF 5,000,000. Valid worldwide including Switzerland for cars, minivans, motorhomes, motorcycles, bicycles, and houseboats. Premium: CHF 15.50 per day.
• Arzt- und Spitalkosten (Supplementary Health Insurance) Supplementary health insurance complementing Swiss basic health insurance (KVG) and accident insurance (UVG) for treatments abroad. Recommended for travel to high-cost countries (USA, Canada, Australia, New Zealand, Japan). Coverage from CHF 39 for 31-365 days, with treatment costs up to CHF 100,000 per person.
• Gästeversicherung (Guest Insurance) Insurance for foreign guests visiting Switzerland and Schengen states. Covers medical costs and travel expenses with Schengen visa-compliant options. Coverage options from CHF 25,000 to CHF 250,000 with premiums starting at CHF 59 for 8 days. Family coverage available for up to 6 persons in same household.
• coverio (Health Insurance Brand) Health insurance brand under ERV offering supplementary health coverage products for various needs.
• wau-miau (Pet Insurance) Pet insurance brand for dogs and cats. Animals between 3 months and 6 years can be enrolled; coverage continues for life once enrolled. Free choice of veterinarian with coverage for illness, accident, and preventive care (vaccinations, neutering). Distributed via www.wau-miau.ch.
• Corporate Travel Insurance (CTI) Comprehensive business travel insurance package for corporate clients. Features 24-hour helpline, medical assistance, travel information, and visa support. Available in Economy (CHF 364), Business (CHF 634), and Premium (CHF 941) tiers based on 50 travel days. Includes cancellation, medical costs, luggage protection, and legal assistance.
• Eventunfallversicherung (Event Accident Insurance) Accident insurance for event attendees and volunteers. Covers medical treatment, emergency transport, search and rescue, and psychological crisis support 24/7. Capital benefits up to CHF 200,000 for death or disability. Event aggregate limit of CHF 5,000,000. Premiums from CHF 500.

Quantifiable outcome

• Up to CHF 60,000 cancellation cost coverage per person/family
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature4 records

Partnerships

18 partnerships are on record, tiered core, major and minor.

• Helvetia Schweizerische Versicherungsgesellschaft AGcoreStrategic or Co-development PartnerERV is a branch (Zweigniederlassung) of Helvetia, operating under its regulatory license since January 2019. Helvetia is the parent company providing financial stability, regulatory standing, and distribution infrastructure.
• STIP (Swiss Travel Insurance Platform)coreTechnology or IntegrationProprietary B2B technology platform enabling travel agencies and partners to quote, bind, and manage ERV insurance policies online. STIP is the primary distribution technology for the B2B partner network.
• MigrosmajorChannel Partner/ Reseller/ DistributorMigros retails ERV insurance products through its store network, reaching millions of Swiss consumers. Migros is one of Switzerland's largest retailers.
• HotelplanmajorChannel Partner/ Reseller/ DistributorHotelplan, a major Swiss travel tour operator, distributes ERV travel insurance through its booking platform and retail branches.
• SwisscareminorChannel Partner/ Reseller/ DistributorSwisscare distributes ERV travel insurance products to its customer base.
• GlobetrotterminorChannel Partner/ Reseller/ DistributorSwiss travel retailer and tour operator Globetrotter offers ERV travel insurance to its customers.
• TicketcornerminorChannel Partner/ Reseller/ DistributorTicketcorner, a Swiss event ticket platform, offers ERV ticket cancellation insurance for event attendees.
• interhomeminorChannel Partner/ Reseller/ Distributorinterhome, a vacation rental platform, distributes ERV insurance to holiday accommodation bookers.
• ITS CoopminorChannel Partner/ Reseller/ DistributorITS Coop, the travel division of Swiss cooperative Migros, offers ERV travel insurance through its booking channels.
• PostFinancemajorChannel Partner/ Reseller/ DistributorPostFinance partnered with ERV to offer credit card travel insurance and purchase protection to PostFinance cardholders. ERV launched insurance solutions for PostFinance credit cards.
• CembramajorChannel Partner/ Reseller/ DistributorCembra partnered with ERV to offer travel and purchase protection insurance embedded in Cembra credit cards.
• Luzerner Kantonalbank (LUKB)majorChannel Partner/ Reseller/ DistributorLUKB partnered with ERV to offer debit and credit card purchase protection insurance to LUKB customers.
• SwisscommajorChannel Partner/ Reseller/ DistributorSwisscom partnered with ERV to offer short-term travel and leisure insurance to Swisscom customers, launched as a bundled telecom-plus-insurance product.
• SwicaminorChannel Partner/ Reseller/ DistributorSwica health insurer offers ERV travel insurance as a supplementary product to its health insurance customers.
• HelsanaminorChannel Partner/ Reseller/ DistributorHelsana health insurer offers ERV travel insurance as a supplementary product to its health insurance customers.
• VCS (Verkehrs-Club der Schweiz)minorChannel Partner/ Reseller/ DistributorVCS partnered with ERV to launch a new bike insurance product. For each policy sold, CHF 1 is donated to a VCS cycling project.
• Medicall AGcoreStrategic or Co-development PartnerMedicall AG operates ERV's 24/7 emergency alarm center (Alarmzentrale) providing SOS assistance, medical triage, repatriation coordination, and crisis support worldwide. Phone: +41 848 801 803.
• Coop RechtsschutzminorStrategic or Co-development PartnerCoop Rechtsschutz (legal insurance) provides ERV's legal consultation services for travel legal protection coverage. Also listed as a legal contact for ERV policyholders with legal questions.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• AXA Assistance: AXA's travel insurance and assistance arm combining underwriting with 24/7 medical assistance and repatriation services. Closely mirrors ERV's bundling of travel insurance with SOS, repatriation and corporate/event cover.
• Generali Global Assistance: Generali's travel-insurance unit serving US and European customers with trip cancellation, medical and assistance products, including through partner and embedded channels. Directly comparable to ERV on product mix and reliance on partner distribution.
• World Nomads: Specialist travel insurer focused on long-haul, adventure and student travellers with annual and single-trip products sold via travel agencies and online. Comparable to ERV on specialist travel cover, agency distribution and study-trip offerings.
• AIG Travel: Travel insurance division of AIG providing international travel medical, cancellation and assistance cover to individuals and corporate clients. Directly comparable to ERV in multi-line travel insurance, assistance platform integration and corporate-product focus.
• Chapka Assurances: French travel-insurance specialist offering single-trip, multi-trip, working-holiday and Schengen guest cover distributed online and through travel partners. Comparable to ERV on product breadth and Schengen-compliant guest insurance.
• Allianz Travel: World's largest dedicated travel-insurance provider offering single-trip, annual and corporate travel cover globally through bank, airline and agency partnerships. Direct competitor to ERV in product scope, partner-led distribution model and embedded travel-insurance go-to-market.

Broad incumbents

• Die Mobiliar: Switzerland's largest cooperative general insurer with a strong branch network and a packaged travel-insurance offering. Competes head-to-head with ERV on annual travel cover sold to Swiss households and SMEs but lacks ERV's specialist product depth.
• Zurich Insurance Switzerland: Large general Swiss insurer offering travel cover as part of a much broader P&C and life portfolio. Overlaps with ERV on travel insurance but does not specialise in it; competes for the same Swiss consumer and corporate wallet share.

Emerging players

• HeyMondo: Digital-first European travel-insurance insurtech focused on multi-trip and single-trip cover sold D2C and via OTAs. Represents the emerging digitally native challenger that ERV's own digital roadmap (ERVin, STIP, mobile wallet) is designed to defend against.

Regional players

• Cover-More: Leading Australian and Asia-Pacific travel-insurance specialist operating through airline, bank and travel-agency partnerships. Strongly comparable business model to ERV but geographically distinct, providing a regional benchmark for embedded and partner-led travel cover economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xlinkedin.com/company/europaeische-reiseversicherung
• Facebookfacebook.com/erv.ch
• LinkedInlinkedin.com/company/europaeische-reiseversicherung
• Instagraminstagram.com/erv.ch

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

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 ERV