Updated September 28, 2026 · SumCue Editorial Team
Compass vs HanseMerkur Reiseversicherung AT
Compass
Higher score in this comparison
HanseMerkur Reiseversicherung AT
Compass vs HanseMerkur Reiseversicherung AT: the differences
| Compare | CompassReviewVisitVisit | HanseMerkur Reiseversicherung ATReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Travel, Pet, Gadget |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Online form, Phone |
| Age range | 18+ (resident in Italy) | up to 65 years of age |
| Premium from | Not confirmed | €1.50 |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Not confirmed | 300,000 EUR for inpatient treatment abroad |
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Key differences
- Founded is lower at Compass: 1960 vs 1977.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only Compass offers Home, Home emergency, Health.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
- Claims channels: only Compass offers Email, Online portal, Post.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only HanseMerkur Reiseversicherung AT offers Email.
Our verdict on each
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
HanseMerkur Reiseversicherung AT
HanseMerkur Reiseversicherung AT suits travellers and pet owners who want one insurer for travel, pet and gadget cover, with premiums from €1.50. Support runs on phone, email and help centre, and it is an insurer rather than a broker, so cover sits with the company that sets the terms.
Score breakdown
| Area | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.2 | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. |
| Offer | 9.2HigherFixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. | 8.8 |
| Trust | 9.6Higher | 9.5 |
Feature by feature
| Insurance types | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Home | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Gadget | No | Yes |
| Home emergency | Yes | No |
Choosing between them
Pick Compass if offer matter most.
Pick HanseMerkur Reiseversicherung AT if cost matter most.
Where these facts come from
Compass
- compass.it: 10 facts, checked September 26, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
How they place
| Ranking | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance | 14 of 627 | 4 of 627 |
| Travel insurance | 7 of 278 | 2 of 278 |
| Pet insurance | 2 of 157 | 1 of 157 |
Every fact side by side
| Fact | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Compass Banca S.p.A. | HanseMerkur Reiseversicherung AG |
| Headquarters | Italy | Germany |
| Founded | 1960Lower | 1977 |
| Support channels | Phone, Help centre | Phone, Email, Help centreCovers more |
Credit cards
| Fact | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 7.38% to 15.84% | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rewards rate | Cashback Base on spending above a minimum threshold | Not confirmed |
| Perks | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number | Not confirmed |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | Compass | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | Not confirmed | €1.50lowest quarter | €6.02 |
Median across 116 listed providers.
Pros and cons
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
HanseMerkur Reiseversicherung AT
Pros
- Premiums start at €1.50, well under the site median of €8.31 and the insurance ranking median of €7.95.
- It is an insurer, not a broker, so insurer means the cover and the claims are handled by the same company.
- One insurer covers travel, pet and gadget, so you can hold travel, pet and gadget policies in the same place.
Cons
- Entry is capped by age, at up to 65 years of age for the overseas health cover, so older travellers may be priced or turned away.
- Cover is limited to the categories listed in travel, pet and gadget, which do not include motor, home or life policies.
- A single competitor keeps its headline entry at €25, far above €1.50, though that figure is a savings product, not a policy.
Who each suits
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
HanseMerkur Reiseversicherung AT
Who it suits
- Travellers buying a single-trip or annual policy who want an insurer behind the wording rather than a comparison site.
- Pet owners who want gadget and travel cover from the same insurer.
- Anyone who wants a low entry price and will deal with phone, email and help centre when something goes wrong.
Who should look elsewhere
- Anyone past the up to 65 years of age entry point for overseas health cover.
- If you need motor, home or life cover, since travel, pet and gadget does not list them.
- If you want to raise a claim only in an app, because online form and phone covers online form and phone.
Current offers
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
Country by country
| Country | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
HanseMerkur Reiseversicherung AT
How much does a policy cost?+
Premiums start at €1.50 on the entry-level overseas health cover. That sits below the site median of €8.31 and the insurance ranking median of €7.95, so it is a low bar to enter. Trip length, destination and age shape the real price.
Who is behind the cover?+
You are contracting with an insurer, insurer, rather than a broker or a comparison site. The named company is HanseMerkur Reiseversicherung AG, based in Germany and trading since 1977. That means the terms, the claims handling and the payout all come from the same firm.
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