Updated September 28, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs Porto Seguro
HanseMerkur Reiseversicherung AT
Porto Seguro
Higher score in this comparison
What sets them apart
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | Porto SeguroReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €1.50 | R$19.90 |
| Insurance types | Travel, Pet, Gadget | Auto, Home, Life, Health, Travel, Pet, Motorcycle, GadgetCovers more |
| Claims channels | Online form, Phone | Mobile app, Whatsapp, Phone, Email |
| Age range | up to 65 years of age | Policy holder over 18 for phone insurance (Seguro Celular) |
| Monthly payments | Not confirmed | Yes |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 9.4.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only Porto Seguro offers Auto, Home, Life.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp, Email.
- Support channels: only Porto Seguro 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.
Porto Seguro
Porto Seguro suits Brazilian households who want one insurer plus a bank and a card in the same place, with premiums from BRL 19.90 and monthly payments available. Its credit card carries an annual fee of BRL 39 and its lending runs through its own bank, so costs sit alongside the cover.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | Porto Seguro |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 9.3Premiums start at BRL 19.90, and the credit card adds an annual fee of BRL 39 with a currency conversion fee of 0%. |
| Offer | 8.8 | 9.7Higher |
| Trust | 9.5 | 9.5 |
Pick HanseMerkur Reiseversicherung AT if, pick Porto Seguro if
Pick HanseMerkur Reiseversicherung AT if cost matter most.
Pick Porto Seguro if offer and insurance types matter most.
How they place
| Ranking | HanseMerkur Reiseversicherung AT | Porto Seguro |
|---|---|---|
| Insurance | 4 of 627 | 74 of 627 |
| Travel insurance | 2 of 278 | 45 of 278 |
| Pet insurance | 1 of 157 | 15 of 157 |
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | Porto Seguro |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | Germany | Brazil |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, EmailCovers more |
Credit cards
| Fact | HanseMerkur Reiseversicherung AT | Porto Seguro |
|---|---|---|
| Annual fee | Not confirmed | R$39 |
| Currency conversion fee | Not confirmed | 0% |
| Rewards type | Not confirmed | Points |
| Features | Not confirmed | Rewards |
| Rewards rate | Not confirmed | 1.0 point per dollar spent (Gold); up to 3.5 points per dollar (Black and Infinite) |
| Perks | Not confirmed | IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards, Free toll tag, Shell Box fuel discount of up to BRL 0.15 per litre, Up to 15% off Seguro Auto, Points redeemable for airline miles from 20,000 points, First year of annual fee free on the first card, Annual fee instalment waived with monthly card spending of up to BRL 3,499.99 on Gold |
| Card kind | Not confirmed | Credit |
Loans
| Fact | HanseMerkur Reiseversicherung AT | Porto Seguro |
|---|---|---|
| Term | Not confirmed | up to 60 months |
| Lender type | Not confirmed | Direct lender |
| Loan types | Not confirmed | Personal, Car, Secured, Business |
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.
Porto Seguro
Pros
- One insurer covers auto, home and life in one place
- Monthly payments are available, so premiums can be spread
- Claims run through mobile app, whatsapp and phone, including WhatsApp and a mobile app
Cons
- The card's annual fee of BRL 39 applies alongside a first year free offer only on the first card
- Policy holders on phone insurance must be over a minimum age
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.
Porto Seguro
Who it suits
- Households in Brazil who want auto, home, life, health, travel, pet, motorcycle and gadget cover from one insurer
- People who want monthly payments rather than a single annual premium
- Card customers who spend abroad and want points rather than cashback
Who should look elsewhere
- Anyone wanting a single-purpose savings account, where Linxea is the more focused option
- People outside Brazil, since the insurer and its bank are Brazilian
- Borrowers who want long fixed terms, as lending tops out at up to 60
Current offers
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | HanseMerkur Reiseversicherung AT | Porto Seguro |
|---|---|---|
| Austria | Yes | No |
| Brazil | No | Yes |
| Germany | Yes | No |
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.
Porto Seguro
What does Porto Seguro cover?+
It is an insurer covering auto, home, life, health, travel, pet, motorcycle and gadget policies, listed under auto, home and life. Cover sits with the group rather than a broker, so policies come direct from the insurer.
How much are premiums?+
Premiums start at BRL 19.90 on the entry plans, and monthly payments are available, so cover can be paid for across the year rather than in a single charge. The policies sit under auto, home and life.
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HanseMerkur Reiseversicherung AT
Porto Seguro