Updated October 21, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs Napo pet insurance
HanseMerkur Reiseversicherung AT
Higher score in this comparison
Napo pet insurance
Where HanseMerkur Reiseversicherung AT and Napo pet insurance differ
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | Napo pet insuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Travel, Pet, GadgetCovers more | Pet |
| Cover limit | 300,000 EUR for inpatient treatment abroad | £16,000 per year |
| Claims channels | Online form, Phone | Online |
| Age range | up to 65 years of age | 4 weeks to under 15 years |
| Premium from | €1.50 | Not confirmed |
| Provider type | Insurer | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | £99 |
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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 Travel, Gadget.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form, Phone.
- Claims channels: only Napo pet insurance offers Online.
- Support channels: only HanseMerkur Reiseversicherung AT offers Phone.
- Support channels: only Napo pet insurance 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.
Napo pet insurance
Napo pet insurance suits pet owners who want monthly billing with online claims and chat based help. Cover runs to £16,000 per year with excess starting at £99 for pets in 4 weeks to under 15 years, plus monthly payments available.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | Napo pet insurance |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 8.9Excess starts at £99 with billing through monthly |
| Offer | 8.8Higher | 8.5Pet focused pet with cover to £16,000 per year and claims via online |
| Trust | 9.5 | Not confirmed |
What each covers
| Insurance types | HanseMerkur Reiseversicherung AT | Napo pet insurance |
|---|---|---|
| Travel | Yes | No |
| Pet | Yes | Yes |
| Gadget | Yes | No |
Licences and countries
| Country | HanseMerkur Reiseversicherung AT | Napo pet insurance |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for Napo pet insurance: 1.
How they place
| Ranking | HanseMerkur Reiseversicherung AT | Napo pet insurance |
|---|---|---|
| Insurance | 4 of 627 | 51 of 627 |
| Pet insurance | 1 of 157 | 10 of 157 |
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | Napo pet insurance |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Napo Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | Napo pet insurance | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | Not confirmed | €6.02 |
| Excess from | Not confirmed | £99above the median | £30 |
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.
Napo pet insurance
Pros
- Yearly cover to £16,000 per year for vet costs
- Monthly billing through monthly with monthly payments offered
- Online claims via online with help on email, chat and help centre
Cons
- Support runs on email, chat and help centre only, which may frustrate you if you prefer phone help
- Claims run through online only, so you manage the whole journey online via online
- Eligibility is framed by 4 weeks to under 15 years, so pets outside that span fall outside the target group
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.
Napo pet insurance
Who it suits
- Choose Napo over Oney Préstamos if you want pet cover, since Oney Préstamos focuses on health, life and gadget
- Choose Napo over Linxea if pet is the priority, since Linxea focuses on life
Who should look elsewhere
- Skip Napo for Oney Préstamos if you need health, life or gadget cover, since Oney Préstamos centres on health, life and gadget
- Skip Napo for Linxea if life cover is the goal, since Linxea centres on life
Country by country
| Country | HanseMerkur Reiseversicherung AT | Napo pet insurance |
|---|---|---|
| Austria | Yes | No |
| 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.
Napo pet insurance
What does Napo pet insurance cover?+
Napo pet insurance provides pet cover with yearly limits to £16,000 per year. That structure suits you if vet bills are the main worry, since the policy centres on pet and monthly billing through monthly. Check exclusions before you apply.
Can you pay monthly for Napo pet insurance?+
Yes, monthly payments are offered, and billing runs through monthly. That suits you if you prefer to spread the cost across the year rather than pay in a lump. Cover still runs to £16,000 per year while you keep payments current.
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