ERGO Reiseversicherung AG Oddział w Polsce

What ERGO Reiseversicherung AG Oddział w Polsce does

ERGO Ubezpieczenia Podróży is the Polish branch of ERGO Reiseversicherung AG, itself part of the Munich Re/ERGO Group, one of Europe's largest insurance conglomerates. Operating from Gdańsk with a team of 33, the company is a specialist travel insurer underwriting coverage for approximately 2 million Polish travelers annually. The business traces its lineage to 1907 via the ERV brand and was rebranded to the current ERGO Ubezpieczenia Podróży identity in 2019 as part of the group's global consolidation onto the ERGO master brand.

The product portfolio spans individual single-trip policies, family coverage, multitrip annual plans, trip cancellation, the Corporate Travel Insurance (CTI) program for businesses, the Eventim ticket insurance offering for live events, and two add-on modules — Pakiet AUTO (auto assistance) and Pakiet SPORT (adventure-sports coverage). Underwriting risk is pooled at the German parent, while a 24/7 Polish-language alarm and assistance center is delivered through a partnership with Euro-Center, the group's shared travel-assistance platform.

Distribution is multi-channel: direct-to-consumer online sales, the Strefa Agenta agent-network portal, a corporate broker program, and embedded partnerships with Poland's leading tour operators (Itaka, Coral Travel, Exim Tours, Sun&Fun, Grecos Tour). The digital stack includes the MojePodróże policy self-service portal, the ERGO travel&care mobile app, and digital insurance cards integrated into Google Wallet, Apple Wallet, and Your Wallet — replacing paper/PDF policy delivery with native mobile-wallet artifacts. The entity does not disclose revenue, is not VC-backed, and shows no public AI/ML capability.

Name

ERGO Reiseversicherung AG Oddział w Polsce

Legal name

ERGO Reiseversicherung AG Oddział w Polsce

Website

https://ergo-ubezpieczeniapodrozy.pl

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

ERGO Ubezpieczenia Podróży is the Polish branch of ERGO Group, offering travel insurance to individual travelers, families, and corporate clients via online direct sales, an agent network, and tour operator partnerships, serving approximately 2 million Polish customers annually.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Carriers and Related Activities (524), Insurance Carriers (5241), Insurance Agencies and Brokerages (524210)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

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

akta.pro secondary industries

Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB), Emergency Response Operations Centers & Case Management Platforms (THACANAM), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Travel insurance
• Trip cancellation insurance
• Corporate travel insurance
• Annual multitrip insurance
• Travel assistance services

Headquarters

HQ city

Gdańsk

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Short-term Travel Insurance: One-time insurance policies for single trips lasting 1-92 days. Customers purchase individual policies for specific travel dates.
2. Multitrip Annual Insurance: Annual policies covering unlimited trips throughout the year. Recurring revenue from annual premiums.
3. Corporate Travel Insurance (CTI): Tailored business travel insurance programs for companies, sold as named policies or per-person-day policies with annual contracts
4. Eventim Ticket Insurance: Insurance for event tickets sold exclusively at Eventim point of sale, providing 100% refund for covered reasons

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels3 records

Core offering

ERGO Ubezpieczenia Podróży is a Polish travel insurance provider offering individual, family, and annual multitrip travel insurance, as well as Corporate Travel Insurance (CTI) for employers and trip cancellation insurance for travelers booking through partner travel agencies. The branch operates a 24/7 Polish-language alarm center and is distributed both directly online and through partner travel agencies and ticket vendors in Poland.

Product overview

ERGO Ubezpieczenia Podróży operates as a comprehensive travel insurance platform offering both individual and corporate insurance products. The core portfolio includes short-term individual travel insurance (1-92 days), family travel insurance (up to 2 adults + 4 children per policy), annual multitrip insurance, and trip cancellation insurance. For business clients, Corporate Travel Insurance (CTI) provides flexible named or per-person-day policies. Add-on modules include Pakiet AUTO for road assistance and Pakiet SPORT for extreme sports coverage. The company also provides specialized Eventim ticket insurance and operates digital services including the travel&care mobile app and digital insurance cards compatible with Google Wallet, Apple Wallet, and YourWallet. Assistance services (Podstawowy and Pełny) are included across all variants with 24/7 Polish-language alarm center support via Euro-Center.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Travel Insurance Single-trip travel insurance for individual Polish travelers covering medical costs, luggage, travel delays, and other travel-related risks during personal trips abroad and domestically.
• Family Travel Insurance Travel insurance covering an entire family on a single trip, providing medical, luggage, and travel assistance coverage for all family members traveling together.
• Annual Multitrip Insurance Year-long subscription travel insurance product for frequent travelers, covering multiple trips per year under one renewable annual policy.
• Corporate Travel Insurance (CTI) Business travel insurance for Polish companies whose employees travel for work, providing group-level coverage for medical emergencies, trip cancellation, and assistance during business trips.
• Trip Cancellation Insurance Standalone or add-on insurance covering the cost of non-refundable travel bookings when a trip must be cancelled due to illness, accident, or other covered reasons, typically sold at the point of booking through partner travel agencies.

Quantifiable outcome

• 2 million Polish citizens insured annually
• +2 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Euro-CentercoreTechnology or IntegrationEuro-Center serves as ERGO Ubezpieczenia Podróży's alarm center and assistance provider, coordinating emergency medical services, hospital admissions, and repatriation for policyholders abroad. The partnership provides 24/7 Polish-language support available on all continents.
• ItakacoreChannel Partner/ Reseller/ DistributorLeading Polish tour operator and travel agency, distributing ERGO travel insurance products to its customer base booking package holidays and travel services.
• Coral TravelcoreChannel Partner/ Reseller/ DistributorMajor Polish travel agency and tour operator distributing ERGO travel insurance alongside its travel packages.
• Exim TourscoreChannel Partner/ Reseller/ DistributorPolish tour operator and travel agency partner distributing ERGO travel insurance products.
• Sun&FunminorChannel Partner/ Reseller/ DistributorPolish travel agency distributing ERGO travel insurance products to its customer base.
• GrecosminorChannel Partner/ Reseller/ DistributorPolish tour operator partner distributing ERGO travel insurance products.
• EventimcoreChannel Partner/ Reseller/ DistributorEvent ticketing platform partnership for exclusive sale of event ticket cancellation insurance. Policy can only be purchased during ticket checkout on Eventim website.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Signal Iduna (Poland): Signal Iduna operates in Poland as part of a German insurance group, offering travel and health insurance products with similar German heritage and group-affiliated positioning, competing for overlapping customer segments.
• Wiener (Vienna Insurance Group, Poland): Wiener, part of Vienna Insurance Group, provides travel and other personal insurance lines in Poland, with comparable German/Austrian group heritage and similar reliance on agent and tour operator channels.
• Generali Poland: Generali offers travel insurance within its Polish multi-line portfolio, leveraging the Generali Group's international assistance network as a competitive counter to ERGO's Euro-Center-backed 24/7 service.
• Compensa (Vienna Insurance Group, Poland): Compensa is a Polish non-life insurer under Vienna Insurance Group offering travel and personal lines, sharing channel partners and customer segments with ERGO and competing for agent-sold travel policies.
• UNIQA (Poland): UNIQA operates in Poland offering property, motor, and travel insurance products, competing in the same agent and broker distribution channels used by ERGO's Strefa Agenta and corporate broker program.

Broad incumbents

• AIG Travel Guard: AIG Travel Guard is a long-established incumbent in travel insurance offering individual and corporate policies worldwide, with broad product breadth that overlaps ERGO's core offerings but spans more geographies and segments.
• PZU (Polish insurer travel line): PZU is Poland's largest domestic insurer offering travel insurance within a broader property, life, and motor portfolio, providing an embedded competitor with superior local brand recognition and cross-sell reach versus ERGO's travel-only positioning.

Emerging players

• World Nomads: World Nomads is a digitally-native travel insurance provider focused on adventure and backpacker segments, representing an insurtech-style competitor with strong online distribution that contrasts with ERGO's traditional agency-led model.

Direct peers

• AXA Partners (Travel Insurance): AXA Partners operates a global travel insurance and assistance business offering trip cancellation, medical, and corporate travel products through similar distribution channels, competing head-to-head with ERGO in the Polish market.
• Allianz Travel: Allianz Travel is a leading global travel insurance provider offering single-trip, annual multitrip, and family coverage with 24/7 assistance—directly competing with ERGO's core individual and family product suite across European markets including Poland.

Market position

Strengths5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ergo-ubezpieczenia-podrozy

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 Reiseversicherung AG Oddział w Polsce