Updated September 29, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs Polizza Vita con Bonus
HanseMerkur Reiseversicherung AT
Higher score in this comparison
Polizza Vita con Bonus
Where HanseMerkur Reiseversicherung AT and Polizza Vita con Bonus differ
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | Polizza Vita con BonusReviewVisitVisit |
|---|---|---|
| Insurance types | Travel, Pet, Gadget | Life |
| Provider type | Insurer | Broker |
| Cover limit | 300,000 EUR for inpatient treatment abroad | 1000000 EUR |
| Age range | up to 65 years of age | 18-75 |
| Premium from | €1.50 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Claims channels | Online form, Phone | Not confirmed |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.0.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Pet, Gadget.
- Insurance types: only Polizza Vita con Bonus offers Life.
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.
Polizza Vita con Bonus
Polizza Vita con Bonus suits adults seeking life cover through a broker, with monthly payments and cover of 1000000 EUR. Support across email, phone and chat and IVASS licence E000765298 help you verify the setup before you compare quotes and apply.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | Polizza Vita con Bonus |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 9.1Monthly payments are available and the billing model is listed as monthly, which keeps premiums spread across the year. |
| Offer | 8.8 | 9.0HigherLife focus shown in life with cover of 1000000 EUR and age range 18-75 defines the choice on offer. |
| Trust | 9.5Higher | 8.8Broker status shown in broker with IVASS licence E000765298 supports the trust view. |
Side by side, item by item
| Insurance types | HanseMerkur Reiseversicherung AT | Polizza Vita con Bonus |
|---|---|---|
| Life | No | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Gadget | Yes | No |
Licences and countries
| Country | HanseMerkur Reiseversicherung AT | Polizza Vita con Bonus |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed | |
| Italy | Not confirmed | IVASS E000765298 |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for Polizza Vita con Bonus: 1.
Sources behind this comparison
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
Polizza Vita con Bonus
- polizzavitaconbonus.it: 6 facts, checked September 29, 2026
How they place
| Ranking | HanseMerkur Reiseversicherung AT | Polizza Vita con Bonus |
|---|---|---|
| Insurance | 4 of 627 | 3 of 627 |
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | Polizza Vita con Bonus |
|---|---|---|
| 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 | Polizza Vita con Bonus | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | Not confirmed | €6.02 |
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.
Polizza Vita con Bonus
Pros
- Life cover focus shown in life with cover of 1000000 EUR
- Monthly payments are available with model listed as monthly
- Wide support choice shown in email, phone and chat, covering email, phone, chat and help centre
Cons
- Narrow life focus shown in life, while AXA lists wider lines in auto, home and renters
- Broker route shown in broker means cover is arranged rather than carried directly
- Age range 18-75 may exclude younger or older applicants seeking life cover
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.
Polizza Vita con Bonus
Who it suits
- For you if you want life cover with monthly payments rather than travel only cover from TravelSecure
- For you if you prefer broker help with age range 18-75 rather than the wider AXA shelf
- For you if you value choice of email, phone, chat and help centre shown in email, phone and chat
Who should look elsewhere
- Not for you if you want travel cover only, where TravelSecure may fit better given its travel focus
- Not for you if you want many lines with a single large insurer, where AXA may fit better given its wider range
Country by country
| Country | HanseMerkur Reiseversicherung AT | Polizza Vita con Bonus |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Italy | 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.
Polizza Vita con Bonus
What type of insurance does Polizza Vita con Bonus arrange?+
This provider arranges life cover, as shown in life. Cover is described as 1000000 EUR. You should check terms, exclusions and medical questions with the provider before you apply for protection.
How much life cover can you request?+
Cover is listed as 1000000 EUR. The sum you may obtain will depend on age, health, term and underwriting. You should ask for a personal quote and read the policy schedule to confirm the insured sum.
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