Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 29, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan

HanseMerkur Reiseversicherung AT scores 9.4 and MyPhysicianPlan 8.7 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
MyPhysicianPlan

MyPhysicianPlan

8.7/10
Visit

What sets them apart

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitMyPhysicianPlanMyPhysicianPlanReviewVisitVisit
Premium from€1.50$75
Insurance typesTravel, Pet, GadgetHealth, Travel
Provider typeInsurerBroker
Cover limit300,000 EUR for inpatient treatment abroad$50K-$200K
Age rangeup to 65 years of ageup to 99 years
Monthly paymentsNot confirmedYes
Claims channelsOnline form, PhoneNot confirmed

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 8.7.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
  • Insurance types: only MyPhysicianPlan offers Health.

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

MyPhysicianPlan

MyPhysicianPlan suits travellers seeking cover across health and travel through a broker setup shown as broker with monthly payments available, with premiums starting at $75. Cover limits run $50K-$200K with eligibility described as up to 99 years, while support runs on phone only, so expectations around contact should be set before applying.

Read the full MyPhysicianPlan review

Score breakdown

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
AreaHanseMerkur Reiseversicherung ATMyPhysicianPlan
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.8.7Premiums start at $75 with monthly payments available for budgeting
Offer8.8Higher8.4Cover spans health and travel with limits of $50K-$200K for medical needs
Trust9.5Higher8.8Operated by MyPhysicianPlan, Inc. based in US with phone contact

How they place

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
RankingHanseMerkur Reiseversicherung ATMyPhysicianPlan
Insurance4 of 6272 of 627
Travel insurance2 of 2781 of 278

Where each is licensed and available

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
CountryHanseMerkur Reiseversicherung ATMyPhysicianPlan
AustriaNot confirmed
GermanyNot confirmed

Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for MyPhysicianPlan: 1.

What each covers

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
Insurance typesHanseMerkur Reiseversicherung ATMyPhysicianPlan
HealthNoYes
TravelYesYes
PetYesNo
GadgetYesNo

Every fact side by side

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
FactHanseMerkur Reiseversicherung ATMyPhysicianPlan
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGNot confirmed
HeadquartersGermanyNot confirmed
Founded1977Not confirmed
Support channelsPhone, Email, Help centreNot confirmed

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.

MyPhysicianPlan

Pros

  • Cover across health and travel keeps health and travel protection under the same broker arrangement
  • Cover limits of $50K-$200K give a clear ceiling for planning treatment costs abroad
  • Eligibility described as up to 99 years accommodates mature travellers who face tighter age rules elsewhere

Cons

  • Support runs on phone only, which limits choice if you prefer chat or email contact
  • Cover focuses on health and travel only, so households wanting auto or home cover may prefer AXA
  • Premiums start at $75, which sits above TravelSecure at €5 for trip only needs

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.

MyPhysicianPlan

Who it suits

  • Travellers wanting health plus travel cover in health and travel rather than life cover from Polizza Vita con Bonus
  • People who value monthly payments and phone contact via phone over chat led service from AXA

Who should look elsewhere

  • Households seeking life cover should consider Polizza Vita con Bonus, which focuses on life rather than health and travel
  • Trip only buyers sensitive to entry price may prefer TravelSecure at €5 rather than MyPhysicianPlan at $75

Country by country

HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
CountryHanseMerkur Reiseversicherung ATMyPhysicianPlan
AustriaYesNo
GermanyYesNo
United StatesNoYes

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.

MyPhysicianPlan

How much does MyPhysicianPlan cost to start?+

Premiums start at $75 for MyPhysicianPlan cover. The exact amount you pay will depend on the plan options selected, the level of cover chosen and personal circumstances. Monthly payments are available, which can help spread the cost rather than requiring payment in a lump sum.

Can I pay for MyPhysicianPlan in instalments?+

Monthly payments are available with MyPhysicianPlan, which suits travellers who prefer to budget through regular instalments. This structure aligns with its monthly model and can make planning medical and travel protection more predictable. Terms around billing dates and plan changes should be checked before applying.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

Visit

MyPhysicianPlan

Visit