Updated September 29, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs HomeServe
HanseMerkur Reiseversicherung AT
Higher score in this comparison
HomeServe
Where HanseMerkur Reiseversicherung AT and HomeServe differ
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | HomeServeReviewVisitVisit |
|---|---|---|
| Premium from | €1.50Lower | €7 |
| Insurance types | Travel, Pet, Gadget | Home emergency |
| Provider type | Insurer | Broker |
| Claims channels | Online form, Phone | Online, Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Not confirmed |
| Age range | up to 65 years of age | Not confirmed |
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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.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €7.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Pet, Gadget.
- Insurance types: only HomeServe offers Home emergency.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only HomeServe offers Online.
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.
HomeServe
HomeServe suits households seeking home emergency assistance through a broker model with monthly payments available and support by phone and help centre. Premiums start at €7 with excess of €0 and claims online or by phone via online and phone for added convenience.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | HomeServe |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 9.2Premiums start at €7 with excess of €0 paid monthly. |
| Offer | 8.8Higher | 8.4Cover centres on home emergency with claims via online and phone. |
| Trust | 9.5Higher | 9.0Broker model disclosed as broker with ORIAS registration in France. |
How they place
| Ranking | HanseMerkur Reiseversicherung AT | HomeServe |
|---|---|---|
| Insurance | 4 of 627 | 10 of 627 |
Side by side, item by item
| Insurance types | HanseMerkur Reiseversicherung AT | HomeServe |
|---|---|---|
| Travel | Yes | No |
| Pet | Yes | No |
| Gadget | Yes | No |
| Home emergency | No | Yes |
If neither fits
bunq Spain has premium from at €0, against €1.50 for HanseMerkur Reiseversicherung AT and €7 for HomeServe.
bunq Spain reviewWhere these facts come from
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
HomeServe
- assistance.homeserve.fr: 7 facts, checked September 28, 2026
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | HomeServe |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | HomeServe | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | €7above the median | €6.02 |
| Excess from | Not confirmed | €0below the median | €70 |
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.
HomeServe
Pros
- Premiums start at €7 with excess of €0, keeping entry costs clear.
- Monthly payments are available under monthly, helping spread costs across the year.
- Claims can be made via online and phone, with support through phone and help centre.
Cons
- Cover is limited to home emergency, so households wanting wider protection may look elsewhere.
- Support runs on phone and help centre only, without chat or email contact.
- Broker model via broker means cover terms sit with the underlying insurer.
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.
HomeServe
Who it suits
- Households wanting home emergency help via home emergency with claims through online and phone.
- Budget planners who value monthly billing with premiums from €7 and excess of €0.
- Phone led customers who value support through phone and help centre.
Who should look elsewhere
- Readers seeking life cover rather than home emergency help may prefer Polizza Vita con Bonus for life.
- Readers seeking travel cover may prefer TravelSecure with premiums from €5.
- Readers seeking car cover may prefer AXA with premiums from £275.
Country by country
| Country | HanseMerkur Reiseversicherung AT | HomeServe |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Germany | Yes | No |
| United Kingdom | No | Yes |
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.
HomeServe
What does HomeServe cover+
HomeServe focuses on home emergency assistance under home emergency. Claims can be started via online and phone, with phone support alongside online routes. Check the policy summary for limits, exclusions and response terms before buying.
How much does cover cost+
Premiums start at €7. Excess is set at €0, which helps keep entry costs predictable. Monthly payments are available, so costs can be spread across the policy term rather than paid in full.
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