Updated September 30, 2026 · SumCue Editorial Team
Compass vs TravelSecure
Compass
Higher score in this comparison
TravelSecure
What sets them apart
| Compare | CompassReviewVisitVisit | TravelSecureReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, PetCovers more | Travel |
| Provider type | Broker | Insurer |
| Monthly payments | YesHas it | No |
| Claims channels | Phone, Email, Online portal, Post | Online, Email |
| Premium from | Not confirmed | €5 |
| Excess from | Not confirmed | €25 |
| Age range | 18+ (resident in Italy) | Not confirmed |
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Key differences
- Compass scores higher overall: 9.4 vs 9.0.
- Monthly payments: only Compass.
- Insurance types: only Compass offers Home, Home emergency, Health.
- Claims channels: only Compass offers Phone, Online portal, Post.
- Claims channels: only TravelSecure offers Online.
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.
TravelSecure
TravelSecure suits seniors seeking travel cover from an insurer setup with phone plus help centre support for claims handled online and by email. Premiums start at €5 with excess from €25, while monthly payments shape the budgeting trade off for annual cover.
Score breakdown
| Area | Compass | TravelSecure |
|---|---|---|
| Cost | 9.2Higher | 8.8Premiums start at €5 with excess from €25 |
| 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. | 8.4Travel focus shown by travel with claims via online and email |
| Trust | 9.6 | 9.6Direct insurer model shown by insurer for clear accountability |
Licences and countries
| Country | Compass | TravelSecure |
|---|---|---|
| Italy | Banca d'Italia Albo dei Gruppi Bancari n. 1030 (Gruppo Bancario Monte dei Paschi di Siena) IVASS RUI D000203141 sez. D | Not confirmed |
Additional countries for Compass: 1. Additional countries for TravelSecure: 1.
Positions in our rankings
| Ranking | Compass | TravelSecure |
|---|---|---|
| Insurance | 14 of 627 | 12 of 627 |
| Travel insurance | 7 of 278 | 5 of 278 |
Every fact side by side
| Fact | Compass | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Compass Banca S.p.A. | Not confirmed |
| Headquarters | Italy | Not confirmed |
| Founded | 1960 | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Credit cards
| Fact | Compass | TravelSecure |
|---|---|---|
| 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 | TravelSecure | Median |
|---|---|---|---|
| Premium from | Not confirmed | €5below the median | €6.02 |
| Excess from | Not confirmed | €25below the median | €70 |
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
TravelSecure
Pros
- Direct insurer setup for clear accountability on travel policies
- Premiums start at €5, below typical travel premium levels for budget planning
- Claims routes via online and email give digital options for documentation and updates
Cons
- Cover centres on travel only, so households wanting wider protection may look at AXA
- Support runs on phone and help centre only, which limits choice for readers wanting chat or email help
- Monthly payments are not available, so budgeting stays tied to €5 paid upfront
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
TravelSecure
Who it suits
- Seniors planning trips who value a direct insurer route for travel cover
- Travellers comfortable paying upfront at €5 without monthly payments
- Readers happy with phone plus help centre support via phone and help centre
Who should look elsewhere
- Readers wanting life cover rather than trip cover may prefer Polizza Vita con Bonus given life
- Readers wanting broker choice across many insurers may prefer Explorer Travel Insurance given broker
- Readers wanting instalment budgeting may look beyond TravelSecure as monthly payments are not available
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 | TravelSecure |
|---|---|---|
| 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.
TravelSecure
What does TravelSecure cover?+
TravelSecure focuses on travel cover, so you arrange protection for trips rather than for home, auto or health needs. That narrow focus helps seniors compare trip options clearly. Check policy terms to confirm cancellation, medical and baggage scope before you buy.
How much does TravelSecure cost?+
Premiums start at €5 for trip cancellation style cover, with final cost shaped by trip value, duration and traveller profile. That entry point helps you gauge affordability early. Always compare excess, limits and exclusions alongside headline premium before purchase.
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