The Best Digital Insurance Providers
Top digital insurers and insurtechs, ranked by claims handling, pricing and service from proof-verified policyholder reviews.
#2
Loop Health
InsuranceGlobal
Health insurance plus care for India.
3.9/ 5
(156)
#3
Feather
InsuranceEurope
English-friendly insurance for expats.
3.9/ 5
(111)
#4
MAIF
InsuranceEurope
A French mutual insurer with a good rep.
3.8/ 5
(200)
#5
Surein
InsuranceGermany
Insurance management for small business.
3.8/ 5
(195)
#6
Qover
InsuranceEurope
Embedded insurance across Europe.
3.8/ 5
(178)#7
Tryg
InsuranceEurope
A leading Nordic insurer.
3.8/ 5
(178)
#8
Alan
InsuranceEurope
Health insurance, reinvented.
3.8/ 5
(172)
#9
ottonova
InsuranceGermany
Germany’s digital private health insurer.
3.8/ 5
(171)
#10
Ladder
InsuranceGlobal
Flexible term life insurance.
3.8/ 5
(169)
#11
Wakam
InsuranceEurope
White-label insurance for partners.
3.8/ 5
(167)
#12
Ethos
InsuranceGlobal
Life insurance without the hassle.
3.8/ 5
(166)
#13
Swiss Life
InsuranceEurope
A leading life and pensions insurer.
3.8/ 5
(162)#14
CoverWallet
InsuranceGlobal
Business insurance, simplified.
3.8/ 5
(160)
#15
Clearcover
InsuranceGlobal
Smarter, app-based car insurance.
3.8/ 5
(154)The full ranking
| # | Provider | TrustScore | Reviews | Verified |
|---|---|---|---|---|
| 1 | Waggel | 3.9 | 184 | 49 |
| 2 | Loop Health | 3.9 | 156 | 48 |
| 3 | Feather | 3.9 | 111 | 44 |
| 4 | MAIF | 3.8 | 200 | 91 |
| 5 | Surein | 3.8 | 195 | 83 |
| 6 | Qover | 3.8 | 178 | 83 |
| 7 | Tryg | 3.8 | 178 | 67 |
| 8 | Alan | 3.8 | 172 | 64 |
| 9 | ottonova | 3.8 | 171 | 85 |
| 10 | Ladder | 3.8 | 169 | 89 |
| 11 | Wakam | 3.8 | 167 | 73 |
| 12 | Ethos | 3.8 | 166 | 47 |
| 13 | Swiss Life | 3.8 | 162 | 63 |
| 14 | CoverWallet | 3.8 | 160 | 77 |
| 15 | Clearcover | 3.8 | 154 | 55 |
Frequently asked questions
- What is the best insurer in 2026?
- Waggel currently leads with a TrustScore of 3.9/5 from 184 reviews (49 proof-verified). The full ranking is updated as new verified reviews are validated.
- How are these insurance ranked?
- Each provider's TrustScore weights proof-verified Fourseek reviews most heavily (50%), then blends Apple App Store, Google Play and other third-party ratings. Only providers with a meaningful number of reviews are ranked.
- Are these reviews verified?
- Yes. Fourseek weights reviews where the customer uploaded proof of interaction above anonymous or scraped ratings, so the ranking reflects real, verifiable experiences.
Browse the full insurance directory or by region: Insurance in Germany, Insurance in Europe.