Expat Legal
International Legal Protection Insurance
- Unlimited coverage worldwide
- Worldwide protection without time limits
- Legal protection for contracts and property law
When foreign law becomes your problem
Living and working abroad, you may not always know every local law.
Different countries, different rules—this can lead to issues faster than expected. Paying damages or defending yourself in court alone? Neither is ideal.
Information at a Glance
Your benefits:
- Worldwide coverage without time limits
- No German residence required
- Unlimited coverage in Europe and worldwide
- 24-hour emergency hotline
Why standard German legal insurance falls short
A German legal protection policy typically offers only limited coverage abroad. Once you deregister your German address—which is common for emigrants or long-term assignments—it provides no coverage at all.
EXPAT LEGAL is designed for exactly this: full protection and signup possible without a German address, as long as you’re employed abroad.
Coverage Overview
Find the right plan for you
Included in both plans:
Damage compensation legal protection—unlimited in Europe and worldwide
Criminal defense up to €500,000 worldwide; extended in Europe to €300,000
Traffic violation defense
Contract/property law, administrative law for traffic matters
Preventive legal protection, disciplinary/professional law protection
Additionally covered in Germany: Tax/social law, victim of violent crime protection, consultation for guardianship up to €1,000, patient will consultation up to €500
EXPAT LEGAL
Full international legal protection as described above.
- Deductible: €500 per case
Annual premium: €196.32
EXPAT LEGAL PLUS
- All EXPAT LEGAL benefits
- plus employment law protection for employees (after 3-month waiting period).
Annual premium: €357.00
Both premiums include insurance tax. Underwritten by ARAG SE.
Important Documents
General Information and Policy Conditions
General Insurance Conditions
Claims Guidance
For legal questions or initial consultation, contact ARAG directly:
In emergencies, reach ARAG 24/7:
Provide your framework contract number (issued upon signup) when contacting ARAG.
Submit written claims directly via email to:
