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HanseMerkur Reiseversicherung AT review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Cheap entry cover for travel, pets and gadgets from one insurer.
Premium from
€1.50↗
Insurance types
Travel, Pet, Gadget↗
Provider type
Insurer↗
Cover limit
300,000 EUR for inpatient treatment abroad↗
Claims channels
Online form, Phone↗
Age range
up to 65 years of age↗
Legal entity
HanseMerkur Reiseversicherung AG↗
Headquarters
Germany↗
Founded
1977↗
Support channels
Phone, Email, Help-centre↗
Official website
hansemerkur.at

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInXekomi.de

Pros and cons

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.
  • Support runs on phone, email and help centre, and claims can go in by online form and phone.
  • Inpatient treatment abroad is covered up to 300,000 EUR for inpatient treatment abroad on the travel protection policies.

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.
  • Claims can be raised by online form and phone only, so there is no app-based or in-app claims route in the listed channels.
HanseMerkur Reiseversicherung AT

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Scored 9.4 / 10 by SumCue.

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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.

Regulation and registers

HanseMerkur Reiseversicherung AT is an insurer, insurer, registered as HanseMerkur Reiseversicherung AG and headquartered in Germany. The group lists the Austrian and German financial supervisors, the FMA Finanzmarktaufsicht in AT and the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany, so the company sits inside two national registers rather than a single one. Buying direct means your policy is written by the company named on the documents, and the register to check in AT is the FMA Finanzmarktaufsicht.

Safety of your money

Because insurer describes an insurer rather than a broker, the risk sits with the company that sets the terms. On the money side, the largest single cover figure is 300,000 EUR for inpatient treatment abroad for inpatient treatment abroad, which is the clearest statement of what a claim can be worth. The main limits to hold in mind are who can buy and who can be reached: entry to the overseas health cover runs to up to 65 years of age, and claims are raised by online form and phone. Everything else on your money depends on the wording of the individual policy.

Who runs it

The contract is written by HanseMerkur Reiseversicherung AG, which has been trading since 1977 and is based in Germany. It is an insurer that writes policies across travel, pet and gadget, so the same company handles travel, pet and gadget risks. Day to day contact runs on phone, email and help centre, and a claim can be lodged by online form and phone. Being a long-standing insurer with its own registers is the practical comfort here, rather than a bank or platform sitting between you and the cover.

How HanseMerkur Reiseversicherung AT compares

Where HanseMerkur Reiseversicherung AT is available

Available
Austria, Germany
Licence in Austria
FMA Finanzmarktaufsicht, checked September 26, 2026
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Is it regulated?+

The company lists the FMA Finanzmarktaufsicht in AT and the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) in Germany. In Austria you can check its standing with the FMA Finanzmarktaufsicht, which is the register to look at for a policy bought there.

What is the biggest amount I can claim?+

The clearest figure is 300,000 EUR for inpatient treatment abroad for inpatient treatment abroad on the travel protection policies. That is the treatment cap, not a cap on every part of a trip, so check the cancellation and personal baggage sections separately in the policy wording.

What kinds of insurance can I buy?+

The product set runs to travel, pet and gadget, so travel, pet and gadget cover sit with the same insurer. travel, pet and gadget does not list motor, home or life policies, so anyone needing those has to look elsewhere for them.

How do I get hold of them?+

Support runs on phone, email and help centre, and a claim itself is lodged by online form and phone, which means an online form or a phone call. There is no app channel in the list, so have your policy details and booking reference ready before you call.

Am I old enough to buy it?+

For the overseas health cover the entry point is up to 65 years of age. Once you are past that, the policy may be priced higher or unavailable, so it is worth getting a quote early rather than assuming a standard rate applies.

Can I pay monthly?+

Monthly premiums are the norm on this category, with 89% of insurers in the travel insurance ranking offering them. HanseMerkur is written into the same insurance, travel insurance and pet insurance lists, so a monthly structure is the normal way a policy here is set up.

How does this compare with a savings account?+

They do different jobs. A savings product such as Linxea starts at €25 and holds your money, while HanseMerkur charges premiums from €1.50 to carry a risk for a trip or a pet. One is a pot of money, the other is protection.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Cheap entry cover for travel, pets and gadgets from one insurer.

9.4/10Visit