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Updated September 28, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs Lemonade

HanseMerkur Reiseversicherung AT scores 9.4 and Lemonade 9.1 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
Lemonade

Lemonade

9.1/10
Visit

What sets them apart

HanseMerkur Reiseversicherung AT vs Lemonade
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitLemonadeLemonadeReviewVisitVisit
Premium from€1.50$5
Insurance typesTravel, Pet, GadgetAuto, Home, Renters, Life, Pet
Cover limit300,000 EUR for inpatient treatment abroadUp to $100,000,000
Claims channelsOnline form, PhoneApp, Phone, Email
Monthly paymentsNot confirmedYes
Age rangeup to 65 years of ageNot confirmed

Same on both: Provider type (Insurer).

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 9.1.
  • Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 2015.
  • Lemonade is available in 3 more countries.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Gadget.
  • Insurance types: only Lemonade offers Auto, Home, Renters.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only Lemonade offers App, Email.
  • Support channels: only Lemonade offers 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

Lemonade

Lemonade is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.

Read the full Lemonade review

Score breakdown

HanseMerkur Reiseversicherung AT vs Lemonade
AreaHanseMerkur Reiseversicherung ATLemonade
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.9.2
Offer8.89.4Higher
Trust9.5Higher8.9

Feature by feature

HanseMerkur Reiseversicherung AT vs Lemonade
Insurance typesHanseMerkur Reiseversicherung ATLemonade
AutoNoYes
HomeNoYes
RentersNoYes
LifeNoYes
TravelYesNo
PetYesYes
GadgetYesNo

Choosing between them

Pick HanseMerkur Reiseversicherung AT if cost and trust matter most.

Pick Lemonade if offer matter most.

How they place

HanseMerkur Reiseversicherung AT vs Lemonade
RankingHanseMerkur Reiseversicherung ATLemonade
Insurance4 of 62731 of 627
Pet insurance1 of 1576 of 157

Every fact side by side

HanseMerkur Reiseversicherung AT vs Lemonade
FactHanseMerkur Reiseversicherung ATLemonade
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGLemonade Insurance Company
HeadquartersGermanyUnited States
Founded1977Lower2015
Support channelsPhone, Email, Help centrePhone, Email, Chat, Help centreCovers more

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.

Lemonade

Pros

  • Premiums start at $5, and monthly payments keep the cost spread across the year.
  • Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
  • Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.

Cons

  • Health and travel cover is not among its insurance types (auto, home and renters).
  • Its starting premium of $5 sits above the figures shown for the listed alternatives.
  • An annual single payment is not among its payment models (monthly).

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.

Lemonade

Who it suits

  • People who want one monthly payment model across more than one kind of personal cover.
  • People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
  • People who want claims and support in the app as well as over the phone.

Who should look elsewhere

  • bunq, which lists a starting premium of €0, is a cheaper starting point on price.
  • bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
  • Linxea, which lists a higher starting premium of €25, sits in a different price band.

Current offers

Lemonade

Current offer

  • Bonus

    Rover gift card for new Lemonade Pet policyholders: Rover gift card

    New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue

    Source, checked September 26, 2026

  • First period offer

    Pet bundle discount: 10%

    Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons

    Source, checked September 26, 2026

  • First period offer

    Pet multi-pet discount: 10%

    Policy for more than one cat or dog in the same household

    Source, checked September 26, 2026

  • First period offer

    Pet annual payment discount: 5%

    Pay for the pet policy annually instead of monthly

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs Lemonade
CountryHanseMerkur Reiseversicherung ATLemonade
AustriaYesNo
FranceNoYes
NetherlandsNoYes
United KingdomNoYes
United StatesNoYes
GermanyYesYes

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.

Lemonade

What is Lemonade's starting premium?+

Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.

Can I pay for cover monthly?+

Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

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Lemonade

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