Updated September 29, 2026 · SumCue Editorial Team
Explorer Travel Insurance vs HanseMerkur Reiseversicherung AT
Explorer Travel Insurance
HanseMerkur Reiseversicherung AT
Higher score in this comparison
Where Explorer Travel Insurance and HanseMerkur Reiseversicherung AT differ
| Compare | Explorer Travel InsuranceReviewVisitVisit | HanseMerkur Reiseversicherung ATReviewVisitVisit |
|---|---|---|
| Insurance types | Travel | Travel, Pet, GadgetCovers more |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email | Online form, Phone |
| Age range | Single trip no max; annual to 79 | up to 65 years of age |
| Premium from | Not confirmed | €1.50 |
| Excess from | £0 | Not confirmed |
| Cover limit | Not confirmed | 300,000 EUR for inpatient treatment abroad |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.9.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- Explorer Travel Insurance is available in 2 more countries.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Claims channels: only Explorer Travel Insurance offers Email.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
Our verdict on each
Explorer Travel Insurance
Explorer Travel Insurance suits travellers who want cover arranged through a broker with support by email and phone, with excess shown as £0 and cover focused on travel in travel. Active since 2011, it keeps the range narrow while claims run through phone and email.
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 | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.6Excess shown as £0 keeps claim cost free at point of claim. | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. |
| Offer | 8.4Cover centres on travel with age terms set out in Single trip no max; annual to 79. | 8.8Higher |
| Trust | 8.7Authorisation under 583108 supports clear oversight. | 9.5Higher |
Feature by feature
| Insurance types | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel | Yes | Yes |
| Pet | No | Yes |
| Gadget | No | Yes |
Positions in our rankings
| Ranking | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance | 11 of 627 | 4 of 627 |
| Travel insurance | 4 of 278 | 2 of 278 |
Every fact side by side
| Fact | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Legal entity | Not confirmed | HanseMerkur Reiseversicherung AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1977 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | Not confirmed | €1.50lowest quarter | €6.02 |
| Excess from | £0below the median | Not confirmed | £30 |
Median across 116 listed providers.
Pros and cons
Explorer Travel Insurance
Pros
- Travel focused range shown in travel, which keeps choice clear for holiday cover.
- Excess from £0 is free at the starting level, which helps with small claims.
- Support and claims by phone and email through email and phone and phone and email.
Cons
- Cover stays limited to travel, so households wanting auto or home cover may prefer AXA.
- Support runs on email and phone only, so travellers wanting chat help may look elsewhere.
- Age terms in Single trip no max; annual to 79 cap annual cover, so older frequent travellers should check limits.
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
Explorer Travel Insurance
Who it suits
- Travellers who want travel cover arranged by a broker, unlike dealing direct with TravelSecure as insurer.
- Travellers happy to manage policies by email and phone through email and phone, rather than chat.
Who should look elsewhere
- Households wanting car, home or health cover as well as travel, where AXA lists wider auto, home and renters.
- Travellers seeking life cover, where Polizza Vita con Bonus focuses on life insurance.
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.
Country by country
| Country | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| United Kingdom | Yes | No |
Questions about each
Explorer Travel Insurance
What type of cover does Explorer Travel Insurance offer?+
Explorer Travel Insurance arranges cover focused on travel, as shown in travel. It acts under broker, so policies are placed with underwriters rather than carried in house. Check policy wording for limits, exclusions and trip terms before you buy.
Who regulates Explorer Travel Insurance?+
It is authorised under 583108 by the Financial Conduct Authority. That authorisation means conduct rules apply to how products are sold and serviced. You can check the register entry before you arrange cover.
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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