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Updated September 28, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs Nationwide

HanseMerkur Reiseversicherung AT scores 9.4 and Nationwide 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

Nationwide

9.1/10
Visit

Where HanseMerkur Reiseversicherung AT and Nationwide differ

HanseMerkur Reiseversicherung AT vs Nationwide
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitNationwideReviewVisitVisit
Premium from€1.50$35
Insurance typesTravel, Pet, GadgetAuto, Home, Renters, Life, Motorcycle, Pet
Cover limit300,000 EUR for inpatient treatment abroadUSD 50,000 per bike (custom motorcycle insurance)
Claims channelsOnline form, PhoneCovers morePhone
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 Nationwide: 1925 vs 1977.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Gadget.
  • Insurance types: only Nationwide offers Auto, Home, Renters.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Support channels: only HanseMerkur Reiseversicherung AT offers Email.

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

Nationwide

Nationwide is a US insurer selling auto, home, renters, life, motorcycle and pet cover, with premiums from $35 payable monthly. It suits households that want every policy type under a single long-standing provider, and it prices above the site median, so shoppers on a tight budget get a thinner field here.

Read the full Nationwide review

Score breakdown

HanseMerkur Reiseversicherung AT vs Nationwide
AreaHanseMerkur Reiseversicherung ATNationwide
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.8.8Premiums start at $35 on monthly payments, above the site median €8.31, and the brand ranks 192 of 251 on premium from.
Offer8.8Higher8.6
Trust9.59.6Higher

What each covers

HanseMerkur Reiseversicherung AT vs Nationwide
Insurance typesHanseMerkur Reiseversicherung ATNationwide
AutoNoYes
HomeNoYes
RentersNoYes
LifeNoYes
TravelYesNo
PetYesYes
MotorcycleNoYes
GadgetYesNo

How they place

HanseMerkur Reiseversicherung AT vs Nationwide
RankingHanseMerkur Reiseversicherung ATNationwide
Insurance4 of 62733 of 627
Pet insurance1 of 1577 of 157

Every fact side by side

HanseMerkur Reiseversicherung AT vs Nationwide
FactHanseMerkur Reiseversicherung ATNationwide
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGNationwide Mutual Insurance Company
HeadquartersGermanyUnited States
Founded19771925Lower
Support channelsPhone, Email, Help centreCovers morePhone, Help centre

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.

Nationwide

Pros

  • Cover spans auto, home, renters, life, motorcycle and pet (auto, home and renters), so a household can keep its policies with a single provider.
  • Premiums can be paid monthly (monthly) instead of in one payment, which helps month to month cash flow.
  • Support runs on phone and help centre, giving a phone line and an online help centre as listed routes to the insurer.

Cons

  • Premiums from $35 sit above the site median €8.31, and the brand holds position 192 on premium from out of 251 brands ranked.
  • Claims run on phone alone and support is limited to phone and help centre, so written and chat routes are not offered.
  • The headline premium is quoted in US dollars ($35) by a US insurer, which adds a currency step for UK and European buyers.

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.

Nationwide

Who it suits

  • US households taking out several kinds of personal policy who want a single provider on the paperwork.
  • Motorcycle owners after custom bike cover, where limits reach USD 50,000 per bike (custom motorcycle insurance).
  • Pet owners who would rather add pet cover to an existing auto policy than shop it on its own.

Who should look elsewhere

  • Linxea, at €25, sits closer to readers comparing euro savings products rather than US personal lines.
  • bunq, with a premium from €0, suits readers who want euro everyday banking rather than policy cover.

Country by country

HanseMerkur Reiseversicherung AT vs Nationwide
CountryHanseMerkur Reiseversicherung ATNationwide
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.

Nationwide

What can I insure with Nationwide?+

Nationwide lists auto, home, renters, life, motorcycle and pet (auto, home and renters), so most of a household's personal cover can sit with a single provider rather than a separate insurer for each line. Motorcycle cover is sold as its own line as well as a custom policy for individual bikes.

How much does Nationwide cost?+

Nationwide quotes premiums from $35 on its personal insurance lines. That figure sits above the site median of €8.31, and Nationwide sits at 192 on premium from among 251 brands ranked, so it is not the cheapest field here.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

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Nationwide

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