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Arag travel insurance review: All you need to know about it
Learn about Arag travel insurance: coverage details and user reviews to help you choose the best protection for your next trip.
Travelling is one of life’s greatest pleasures. For many, the excitement of choosing a destination, planning an itinerary, packing, and starting the adventure is unmatched. After all, our planet deserves to be discovered. But in the rush to explore, there’s one key factor you shouldn’t overlook: getting proper insurance. Here, factors like the type of trip, duration, and budget come into play. This is also where doubts often appear about which service to choose. To help, we wrote this ARAG travel insurance review: User reviews, coverage options, plan variety, strengths, and areas for improvement. Stay with us and discover if the company delivers what it promises.
What’s ARAG travel insurance and what does it offer?
ARAG is a company with over 85 years in the insurance market. Founded in Düsseldorf, Germany, and present in 19 countries (including Canada, the United States, Australia, and Spain), it’s the largest insurance provider in Germany and a global benchmark. Proof of this are awards like “Best Travel Assistance Company” in 2020 by ADECOSE. But when checking ARAG travel insurance reviews, opinions are mixed.
ARAG’s insurance portfolio is wide and varied, offering options for every type of traveller. In other words, you can tailor the policy to your trip, whether it’s a cruise, a business trip, or skiing in the Alps.
While it generally offers the same as most insurers, some points stand out. For example, it covers card cancellation, expenses from loss or theft of documents, kidnapping costs, and more.
Another differential is the ARAG Wallet Card, a tool for easier policy management. With it, you’ll have all key contact details at hand and request assistance quickly. To get it, you just need to download it from the company’s website with your policy number.
What do ARAG travel insurance policies cover?
As mentioned earlier, ARAG travel insurance offers the basic coverage expected from this type of service. We’re talking about medical assistance, medicines, baggage loss or theft, repatriation in case of serious accidents or death, and more.
Here’s a breakdown of what ARAG travel insurance covers:
- International medical assistance: Policies cover medical, hospital, and repatriation costs in emergencies. So, if you get food poisoning or twist an ankle while trekking, you’ll get medical help.
- Trip cancellation costs: If you must cancel, you can recover part of the money spent on excursions, hotels, transfers, or flights.
- Refund for unused holidays: If you need to return home early, ARAG refunds money for unused holiday days. Check the policy for covered situations.
- Accidents: Travel insurance includes accident cover, such as death, permanent disability caused by accident, and others.
- COVID-19 cover: Includes costs for illness or mandatory quarantine in many plans.
- Baggage protection: Covers loss or theft of luggage. Also includes shipping forgotten or stolen items, delayed baggage, and material damage. For example, imagine you arrive at your destination and when you go to collect your suitcase, you notice that the wheels are damaged and no longer work. In this case, the company will compensate you for the damage caused to your luggage.
- Civil liability: Some plans cover damages caused to third parties.
- Legal assistance: Support with legal matters related to your trip.
- Medical emergency repatriation: Return to your country in critical cases such as severe illness or serious accidents.
ARAG travel insurance plans
Of course, coverage depends on the plan. Let’s look at ARAG’s different travel insurance plans.
| Plan name | Coverage summary |
| ARAG Travellers Plus | Includes over 40 types of cover and more than 20 cancellation causes. Offers discounts for families and groups. No extra cost for age, common activities abroad, or travel to the USA, Japan, Canada, etc. Plan variations: “Adventure”, “Cruise”, “Students”, “Holiday”. All options include medical expenses, repatriation, early return, baggage cover, delays and cancellations, and legal protection. Available annually, covering all trips within one year. This is ideal for people who travel frequently, whether for work, business or pleasure. For greater coverage, you can opt for ARAG Travellers Plus Extended. |
| ARAG Ski and Winter Sports | Ideal for skiing and snowboarding. It includes sledging or ambulance costs (if assistance is required) up to the full cost, medical assistance, reimbursement of the cost of unused ski passes and repatriation. It also includes cancellation cover (for example, you can recover the money you spent on a skiing lesson that you were unable to take). It applies to Spain, Andorra, the rest of Europe and other countries where sports of this type are practised. |
| Foreigners in Spain | This type of insurance is intended for foreigners travelling to Spain or any of the countries that make up the Schengen Area. It includes medical and health assistance, transport or medical repatriation in the event of accident, illness or death; search, location and delivery of lost luggage. |
ARAG travel insurance plans
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What isn’t covered by ARAG travel insurance?
Although ARAG travel insurance offers very complete coverage, some things aren’t included. For example, pre-existing conditions might not be covered. Other exclusions include baggage damage not reported on time, cancellations without proof, and extreme sports. For winter sports, there’s a specific plan. Also excluded are medical costs beyond your coverage limit and baggage losses caused by negligence.
ARAG travel insurance: customer service reviews
ARAG offers several customer service channels. In any situation, you can contact them through:
- 24/7 phone: International helpline for emergencies (multilingual).
- Email: For less urgent queries, though responses take longer.
- Mobile app: To track policies and requests in real time.
- Web portal: With detailed info and self-service guides.
Overall, ARAG’s service is well rated. Users highlight fast medical emergency management and efficient attention by phone and web. Refunds are also processed quickly.
However, some say administrative responses could improve. Here are a few customer opinions on ARAG’s service:
“I called to ask about my policy cover. They answered clearly, patiently, and reassured me. Thanks a lot!” María de Lucio
“The agent was kind, patient, and professional. She resolved all my questions. A pleasure to speak with them.” Fátima Redondo
ARAG website review
The ARAG website is intuitive and easy to use, with full details of all their insurance, not just travel. A highlight: Downloading the General Conditions PDF gives you a detailed guide with examples. It also explains each policy’s terms (though long to read). The general conditions of each policy are also explained (of course, you have to take the time to read the entire document, which is quite long).
Users appreciate the quick and easy insurance purchase process and the many payment options.
Pros and cons of ARAG travel insurance
As seen, ARAG travel insurance has many strengths, but also areas to improve. Here’s a summary table:
| What ARAG should keep | What ARAG should improve |
| Covers very high expenses: up to €500,000 in Europe and €1,000,000 worldwide. | Prices may be slightly higher than competitors focused only on travel insurance. |
| Wide plan portfolio, including winter sports and cruises. | Some exclusions aren’t clearly explained, causing confusion with claims. |
| Civil liability and legal advice in all plans. | Extensive documentation required for some claims. |
| Simple purchase process on the website. | |
| 24/7 multilingual customer service. |
Pros and cons of ARAG travel insurance
ARAG user experience and reviews
You now know user opinions on ARAG’s customer service and website. But what about medical care abroad or baggage protection? Reviews are varied, showing it depends on personal experience. Here’s a summary of comments:
For medical care abroad, many praise the speed and quality of assistance. Still, some complain about reimbursement delays.
On baggage protection, travellers appreciate help locating luggage. However, compensation can be limited. Always read policy details to see exclusions.
For trip cancellation refunds, opinions are divided. Many report negative experiences with claims, as seen below:
“I always bought their policies, until my last trip when I needed them, and they did nothing. We missed a flight connection due to a delay, lost money on hotels and extra costs. They gave no refund or compensation. A disaster. Never again.” Jordi Revert
“Don’t ever buy cancellation cover from them. They ask for endless documents before paying. I cancelled, but lost everything. Terrible practice!” Hopefully, you won’t need it!!! Ignacio Borrego Polanco
ARAG travel insurance: FAQs
Yes, ARAG offers family travel insurance. These plans cover medical assistance, baggage protection, and cancellations, with special rates for groups. Perfect for families with children. When purchasing, provide all members’ details and check cover matches your activities.
ARAG has 24/7 customer service via international calls, email, and mobile app. In emergencies, contact their assistance centre for guidance. They’ll locate the nearest medical centre, manage refunds, or arrange repatriation. Always carry policy details and insurance documents.
Pre-existing conditions aren’t automatically covered. However, some specific plans may include them if declared at purchase and with an added cost. Always read the terms and check with ARAG for eligibility and limits.
