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Updated September 29, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)

HanseMerkur Reiseversicherung AT scores 9.4 and HelloSafe (Atlas) 8.6 out of 10. Compare their differences and shared features below.
HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Higher score in this comparison

9.4/10
Visit
HelloSafe (Atlas)

HelloSafe (Atlas)

8.6/10
Visit

What sets them apart

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitHelloSafe (Atlas)HelloSafe (Atlas)ReviewVisitVisit
Premium from€1.50Lower€9
Insurance typesTravel, Pet, GadgetCovers moreTravel
Provider typeInsurerBroker
Cover limit300,000 EUR for inpatient treatment abroadEmergency medical expenses EUR 500,000 - 2,500,000
Claims channelsOnline form, PhonePhone, Email, Chat
Age rangeup to 65 years of ageAll ages, every nationality
Monthly paymentsNot confirmedNo

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.6.
  • HanseMerkur Reiseversicherung AT is licensed in 1 more country.
  • HelloSafe (Atlas) is available in 26 more countries.
  • Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €9.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only HelloSafe (Atlas) offers Email, Chat.

Our verdict on each

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.

Read the full HanseMerkur Reiseversicherung AT review

HelloSafe (Atlas)

HelloSafe suits expats seeking travel cover through a broker model with helpful support across phone, email and chat for trip planning. Premiums start at €9 with emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000, while monthly payments stay unavailable for annual plans and cover remains travel focused.

Read the full HelloSafe (Atlas) review

Score breakdown

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
AreaHanseMerkur Reiseversicherung ATHelloSafe (Atlas)
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.8.5Premiums start at €9 with annual payment in view.
Offer8.88.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats.
Trust9.5Higher8.5Broker entry under licence 21008038 with assisted support.

Positions in our rankings

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
RankingHanseMerkur Reiseversicherung ATHelloSafe (Atlas)
Insurance4 of 62713 of 627
Travel insurance2 of 2786 of 278

Side by side, item by item

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
Insurance typesHanseMerkur Reiseversicherung ATHelloSafe (Atlas)
TravelYesYes
PetYesNo
GadgetYesNo

Where each is licensed and available

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
CountryHanseMerkur Reiseversicherung ATHelloSafe (Atlas)
AustriaNot confirmed
FranceNot confirmed
ORIAS 21008038
GermanyNot confirmed

Available in 1 country for both. Additional countries for HanseMerkur Reiseversicherung AT: 1. Additional countries for HelloSafe (Atlas): 27.

If neither fits

bunq Spain has premium from at €0, against €1.50 for HanseMerkur Reiseversicherung AT and €9 for HelloSafe (Atlas).

bunq Spain review

Sources behind this comparison

HanseMerkur Reiseversicherung AT

  • hansemerkur.at: 10 facts, checked September 26, 2026

HelloSafe (Atlas)

  • hellosafe.com: 8 facts, checked September 29, 2026

Every fact side by side

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
FactHanseMerkur Reiseversicherung ATHelloSafe (Atlas)
AudienceNot confirmedExpats
Legal entityHanseMerkur Reiseversicherung AGNot confirmed
HeadquartersGermanyNot confirmed
Founded1977Not confirmed
Support channelsPhone, Email, Help centreNot confirmed

Where each stands against the rest

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
FactHanseMerkur Reiseversicherung ATHelloSafe (Atlas)Median
Premium from€1.50lowest quarter€9above the median€6.02

Median across 116 listed providers.

Pros and cons

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.

HelloSafe (Atlas)

Pros

  • Emergency medical expenses at Emergency medical expenses EUR 500,000 - 2,500,000 give clear headroom for travel medical needs
  • Premiums start at €9, which sits near the middle of travel premiums across the site
  • Support across email, chat and phone gives choice for questions and claims while travelling

Cons

  • Life cover is not among its travel, so households wanting life protection alongside travel need a second provider
  • Home and motor cover are not among its travel, which keeps the range narrow for households wanting bundled policies
  • HelloSafe acts as broker, so policy terms and claims depend on the partner insurer behind each plan

Who each suits

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.

HelloSafe (Atlas)

Who it suits

  • Expats seeking travel cover that is open to All ages, every nationality and arranged online
  • Travellers who value emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000 with support across email, chat and phone

Who should look elsewhere

  • Households wanting life cover should look at Polizza Vita con Bonus, which focuses on life rather than travel
  • Travellers seeking very low entry premiums could compare TravelSecure, which lists premiums starting at €5 against €9

Country by country

HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
CountryHanseMerkur Reiseversicherung ATHelloSafe (Atlas)
AustriaYesNo
BrazilNoYes
BulgariaNoYes
CanadaNoYes
CroatiaNoYes
CzechiaNoYes
DenmarkNoYes
EstoniaNoYes

8 of 29 countries where either is available.

Questions about each

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.

HelloSafe (Atlas)

What does HelloSafe travel insurance cost?+

Premiums start at €9 for HelloSafe travel cover. The exact amount you pay depends on destination, duration, age and selected medical limits. You should compare the entry premium against emergency cover and trip features before choosing.

Can I pay for HelloSafe cover monthly?+

Monthly payments are listed as unavailable for annual travel cover. That means you pay for the selected period in a lump sum at purchase. If spreading cost across the year matters, compare providers that allow monthly payments.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

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HelloSafe (Atlas)

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