International
Legal Protection

International Legal Protection Abroad

Q: Which legal areas are covered?

Insured worldwide: • Damages law (liability cases) • Contract and property law (rental agreements, purchases) • Traffic law (accidents, fines) • Criminal law (defense against charges) Additionally in Germany: • Family and inheritance law • Tax law • Social law PLUS plan extended by: • Employment law (termination protection, salary disputes) Coverage applies from day one abroad – no geographical limitations.

Q: EXPAT LEGAL vs. German legal protection insurance?

German legal protection insurance: • Only 3-6 months coverage abroad • After that: no coverage • Usually no free choice of lawyer abroad EXPAT LEGAL: • Worldwide and unlimited in time • Free choice of lawyer everywhere • Specifically designed for expats • Family insured free of charge Important: For permanent life abroad, German legal protection insurance is unsuitable – it leaves you without protection after just a few months.

Q: How much does EXPAT LEGAL cost?

Basic plan: EUR 16/month • Damages, contract, traffic and criminal law worldwide • Family insured free of charge PLUS plan: EUR 30/month • All basic benefits • + Employment legal protection (for employees) Deductible: EUR 500 per insurance case Payment: Annual prepayment (EUR 192 or EUR 360 per year) Savings tip: Family insurance is free – you pay the same premium whether alone or with family.

Q: How does cost coverage work?

Here's how it works: 1. Report claim (online, by phone or email) 2. ARAG reviews coverage (usually within 48 hours) 3. Upon approval: Cost coverage proceeds Cost reimbursement: • In Europe: unlimited • Worldwide: up to German fee level • Opponent costs: also covered (if you lose) Your deductible: EUR 500 per case Important: ARAG pays the lawyer directly – you don't need to advance the costs.

Q: Do I have free choice of lawyer?

Yes, worldwide and without restrictions! Your options: • Choose your own lawyer (local or in Germany) • Use ARAG lawyer network (in over 100 countries) • Lawyers speak your language Additional services: • Phone consultation with German lawyers • Mediation for out-of-court settlement • Immediate help in case of arrest (24/7 emergency hotline) Advantage: You decide who represents you – no requirements from the insurer.

A legal dispute abroad can drain your bank account. Rental dispute in Barcelona: EUR 12,000 in legal fees. Employment dispute in Dubai: EUR 28,000 for legal representation. Traffic accident in Thailand: EUR 18,000 in court proceedings. EXPAT LEGAL covers these costs – worldwide and unlimited. In Europe even without any limit.

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In 2 minutes

Legal Protection for Expats

A rental dispute in Lisbon can get expensive – just the initial consultation with a lawyer often costs EUR 2,500 or more. With EXPAT LEGAL you pay nothing, because the worldwide coverage handles all lawyer, court and expert fees. In Europe even unlimited.

German legal protection insurance only covers 3-6 months abroad. EXPAT LEGAL, on the other hand, protects you worldwide and without time limit. Your family is insured free of charge.

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Partner: BDAE – specializing in international legal protection for over 30 years. Cooperation with ARAG SE – leading legal protection insurer worldwide. ⚠️ Requirement: German correspondence address and European bank account required.

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International legal protection insurance

Coverage Scope

Damages legal protection & Contract and property law
Criminal legal protection & Administrative offense protection
Administrative legal protection in traffic matters

International Coverage

Worldwide unlimited in time
Protection in all countries
Translation costs for legal disputes included

Special Benefits

Advisory legal protection in family, partnership and inheritance law
Free choice of lawyer abroad
Provision of bail bonds as loans

Ideal for

Expats & Emigrants
Private individuals abroad
Employees of German companies

Coverage Scope

Damages legal protection & Contract and property law
Criminal legal protection & Administrative offense protection
Administrative legal protection in traffic matters

International Coverage

Worldwide unlimited in time
Protection in all countries
Translation costs for legal disputes included

Special Benefits

Advisory legal protection in family, partnership and inheritance law
Free choice of lawyer abroad
Provision of bail bonds as loans

Ideal for

Expats & Emigrants
Private individuals abroad
Employees of German companies

Compare the best
offers

Legal Protection Without Borders

Choose between two plans: The Basic plan starts at EUR 16 per month, the Premium plan with additional employment legal protection costs EUR 30 per month. Your family's co-insurance is free in both plans.

Expat LEGAL

AbEUR 16.36 monthly

Private legal protection worldwide. Unlimited in time. Neighborhood, traffic, contracts. EUR 500 deductible. We cover lawyer, court, and litigation costs.

Ideal for:

Expats & Emigrants
Digital Nomads
Long-term stays abroad

Your benefits:

Unlimited coverage in Europe
Protection in legal disputes worldwide
Private legal protection for all life situations

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Expat LEGAL PLUS

AbEUR 29.75 monthly

All basic benefits plus employment legal protection. Workplace conflicts, unpaid wages, terminations. Only in this variant.

Ideal for:

Employees abroad
Seconded workers
Expats with employment

Your benefits:

All basic benefits included
Plus employment legal protection
Comprehensive coverage in all areas

Request quote now

Expat LEGAL

AbEUR 16.36 monthly

Private legal protection worldwide. Unlimited in time. Neighborhood, traffic, contracts. EUR 500 deductible. We cover lawyer, court, and litigation costs.

Ideal for:

Expats & Emigrants
Digital Nomads
Long-term stays abroad

Your benefits:

Unlimited coverage in Europe
Protection in legal disputes worldwide
Private legal protection for all life situations

Request quote now

Expat LEGAL PLUS

AbEUR 29.75 monthly

All basic benefits plus employment legal protection. Workplace conflicts, unpaid wages, terminations. Only in this variant.

Ideal for:

Employees abroad
Seconded workers
Expats with employment

Your benefits:

All basic benefits included
Plus employment legal protection
Comprehensive coverage in all areas

Request quote now

Benefits comparison
at a glance

Benefits in Detail

Basic or Premium? Private to employment legal protection. All modules. Compare. Decide.

Benefit	EXPAT LEGAL	EXPAT LEGAL PLUS With employment protection
Coverage Europe-wide	unlimited	unlimited
Coverage worldwide	German fees	German fees
Damages legal protection
Contract and property law
Criminal legal protection
Extended criminal legal protection	up to EUR 300,000	up to EUR 300,000
Employment legal protection
Tax legal protection (DE)
Social legal protection (DE)
Family & inheritance law advice (DE)
Bail amount (as loan)	up to EUR 500,000	up to EUR 500,000
Family members insured

EXPAT LEGAL

Coverage Europe-wide

unlimited

Coverage worldwide

German fees

Damages legal protection

Contract and property law

Criminal legal protection

Extended criminal legal protection

up to EUR 300,000

Employment legal protection

Tax legal protection (DE)

Social legal protection (DE)

Family & inheritance law advice (DE)

Bail amount (as loan)

up to EUR 500,000

Family members insured

With employment protection

EXPAT LEGAL PLUS

Coverage Europe-wide

unlimited

Coverage worldwide

German fees

Damages legal protection

Contract and property law

Criminal legal protection

Extended criminal legal protection

up to EUR 300,000

Employment legal protection

Tax legal protection (DE)

Social legal protection (DE)

Family & inheritance law advice (DE)

Bail amount (as loan)

up to EUR 500,000

Family members insured

Trusted by
Expats Worldwide

What Our
Clients Say

Real expats. Real experiences. Help when it matters.

"I can highly recommend E.I.C. Expatriate insurance consulting for everyone – especially international people – seeking advice and appropriate coverage on a win-win basis. The E.I.C. team is patient and professional. If I could give 10 stars, I would. Thank you, E.I.C.!!"

Caroline K

Review onGoogle

"I had a very good experience with EIC. The team is competent, professional, and took the time to understand my specific insurance needs. They provided clear advice and helped me find the best insurance options. I can recommend EIC to anyone looking for personal insurance consulting."

Berat Akan

Review onGoogle

"I was referred to EIC for support with my insurance. I am very satisfied with the service and quick response time, especially with the fast and efficient support from Dominik and Ida. I feel reliably supported in managing my health insurance needs."

Krishna Chaitanya

Review onGoogle

"My employer chose EIC for my insurance matters, and as an expat, I can say this decision was more than justified. The team is very responsive, helpful, and recognizes our concerns as expats in advance, solving problems before they arise. Highly recommended!"

Eren Sen

Review onGoogle

"Great colleagues who were able to solve what seemed like an unsolvable problem for one of my clients, saving them an expensive and time-consuming exit and re-entry to the USA. Thank you for the great collaboration. I'm glad to have colleagues like you."

Pascal Holz

Review onGoogle

"EIC proceeds professionally. They provide appropriate advice and conduct due diligence. The colleagues also try to find solutions when there are teething problems. I'm glad to be served by them. (I give 4 stars for a small issue, but it's not critical to mention as they quickly found a solution.) All the best for the EIC team."

Prafulla Gade

Review onGoogle

"Excellent support and quick response. They helped me find the best insurance plan for my situation. Tim is my contact person! He actively engaged in my process and took care of everything. I can only recommend them."

Sahil Mehta

Review onGoogle

"Mr. Scheulen advised us very professionally and took intensive care, even though it became clear early in the consultation process that there would be no insurance conclusion in the near future. I highly appreciated this and thank him sincerely for the thorough and committed consultation."

Elke Dr. Müller-Schneck

Review onGoogle

More about us
Our Partners

Our Experts Advise You

Waysafe is part of EIC Versicherungsmakler GmbH with 15+ years of experience in international insurance for expats and digital nomads. As BaFin and IHK-regulated insurance brokers, we work closely with leading insurers for international solutions.

Partner: BDAE – Specialist for international legal protection for over 30 years. With ARAG SE – Europe's largest legal protection insurer with worldwide coverage.

Comprehensive advice on legal matters abroad. Conclusion also possible from abroad. Premiums based on plan, residence, occupation. We find the right modules.

Our Partners

FAQ

Frequently Asked Questions (FAQ)

EXPAT LEGAL is an international legal protection insurance for private individuals abroad – valid worldwide and without time limit. Cost coverage: • In Europe: unlimited • Worldwide: up to German fee level Offered by BDAE in cooperation with ARAG SE, one of Europe's leading legal protection insurers. Unlike German legal protection insurance, your coverage doesn't end after 3-6 months.

Ideal for: • Expats and emigrants • Digital nomads without permanent residence • Seconded employees • Long-term travelers (over 6 months) • Families abroad Family insurance: Your partner and children are insured free of charge! For employees: The PLUS plan offers additional employment legal protection – important for terminations or disputes with employers abroad.

Insured worldwide: • Damages law (liability cases) • Contract and property law (rental agreements, purchases) • Traffic law (accidents, fines) • Criminal law (defense against charges) Additionally in Germany: • Family and inheritance law • Tax law • Social law PLUS plan extended by: • Employment law (termination protection, salary disputes) Coverage applies from day one abroad – no geographical limitations.

Yes, EXPAT LEGAL is fully valid in Germany – even during longer home visits. Additionally insured in Germany: • Tax law (e.g. disputes with tax office) • Inheritance law (e.g. inheritance disputes) • All standard areas (traffic, contracts, criminal) You can easily commute between abroad and Germany without worrying about insurance gaps.

German legal protection insurance: • Only 3-6 months coverage abroad • After that: no coverage • Usually no free choice of lawyer abroad EXPAT LEGAL: • Worldwide and unlimited in time • Free choice of lawyer everywhere • Specifically designed for expats • Family insured free of charge Important: For permanent life abroad, German legal protection insurance is unsuitable – it leaves you without protection after just a few months.

Basic plan: EUR 16/month • Damages, contract, traffic and criminal law worldwide • Family insured free of charge PLUS plan: EUR 30/month • All basic benefits • + Employment legal protection (for employees) Deductible: EUR 500 per insurance case Payment: Annual prepayment (EUR 192 or EUR 360 per year) Savings tip: Family insurance is free – you pay the same premium whether alone or with family.

Yes, like any legal protection insurance there are waiting periods: • Standard areas: 3 months • Employment law: 6 months • Contract law: 3 months (for existing contracts) No waiting period for: • Traffic legal protection after accidents • Criminal legal protection for sudden charges Important: Take out insurance before a legal dispute is foreseeable. Ongoing proceedings are not insured. We're happy to discuss the details in a free consultation.

Here's how it works: 1. Report claim (online, by phone or email) 2. ARAG reviews coverage (usually within 48 hours) 3. Upon approval: Cost coverage proceeds Cost reimbursement: • In Europe: unlimited • Worldwide: up to German fee level • Opponent costs: also covered (if you lose) Your deductible: EUR 500 per case Important: ARAG pays the lawyer directly – you don't need to advance the costs.

Yes, worldwide and without restrictions! Your options: • Choose your own lawyer (local or in Germany) • Use ARAG lawyer network (in over 100 countries) • Lawyers speak your language Additional services: • Phone consultation with German lawyers • Mediation for out-of-court settlement • Immediate help in case of arrest (24/7 emergency hotline) Advantage: You decide who represents you – no requirements from the insurer.

The insurance still pays – as long as the claim was approved in advance. Covered are: • Your lawyer and court costs • Opponent's costs (up to coverage limit) • Expert and witness costs Your deductible: EUR 500 (regardless of outcome) Important: Always get ARAG's coverage confirmation first. Without confirmation, you risk being stuck with the costs.

Yes, EXPAT LEGAL is flexibly adjustable: Possible at any time: • Extend benefits (e.g. from Basic to PLUS plan) • Change deductible Possible at year end: • Reduce benefits • Downgrade plan Example: Becoming an employee? Then upgrade to the PLUS plan with employment legal protection. We support you with all adjustments free of charge.

EXPAT LEGAL offers more than just cost coverage: Bail: Provided as interest-free loan (up to EUR 100,000) Translation costs: Documents and court proceedings are translated Phone consultation: Free initial consultation with German lawyers Mediation: Out-of-court dispute resolution (saves time and money) 24/7 emergency hotline: In case of arrest or emergencies abroad Deductible: EUR 500 per insurance case

Cancellation period: 3 months before contract end Contract terms: • 1 year (flexible, but more expensive) • 3 years (standard, cheaper) • 5 years (long-term, best conditions) Payment: Annual prepayment Special cancellation right: For permanent return to Germany, you can cancel early. Important: After contract end, the contract automatically renews for 1 year if you don't cancel. We remind you of cancellation deadlines in time.

For permanent return to Germany you have several options: Special cancellation right: You can end EXPAT LEGAL early without the regular cancellation period. Insurance in Germany: • EXPAT LEGAL is fully valid in Germany • You can keep the insurance • Alternatively: switch to German legal protection insurance Our service: We advise you on the switch and arrange German legal protection insurance if needed for a seamless transition.

Yes, fully digital from anywhere in the world: 1. Fill out online application (5 minutes) 2. Receive contract documents by email 3. Insurance begins after payment receipt 4. Policy number and documents immediately available Important: Insurance is valid from contract start – existing or foreseeable legal disputes are not insured. We advise you in German via video call, email or WhatsApp – regardless of your time zone.

Yes, under certain conditions: Private individuals: • Legal protection insurance deductible as special expenses • Usually limited to maximum amount (approx. EUR 2,800 total for insurance expenses) Self-employed/Freelancers: • Employment legal protection deductible as business expenses • Private legal protection remains special expenses Living abroad: The tax rules of your host country apply Recommendation: Clarify details with a tax advisor for international matters. We're happy to provide a premium confirmation.

International Legal Protection Abroad