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Updated September 28, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs TIPINSURE

HanseMerkur Reiseversicherung AT scores 9.4 and TIPINSURE 9.2 out of 10. Compare their differences and shared features below.
HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Higher score in this comparison

9.4/10
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TIPINSURE

TIPINSURE

9.2/10
Visit

What sets them apart

HanseMerkur Reiseversicherung AT vs TIPINSURE
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitTIPINSURETIPINSUREReviewVisitVisit
Premium from€1.50THB 699
Insurance typesTravel, Pet, GadgetAuto, Home, Travel, Health, Pet, Motorcycle, Critical illness
Cover limit300,000 EUR for inpatient treatment abroad500,000 THB
Claims channelsOnline form, PhonePhone, App, Online
Age rangeup to 65 years of age20-60, renewable to 64
Monthly paymentsNot confirmedYes

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 9.2.
  • Founded is lower at TIPINSURE: 1951 vs 1977.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
  • Insurance types: only TIPINSURE offers Auto, Home, Health.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only TIPINSURE offers App, Online.
  • Support channels: only HanseMerkur Reiseversicherung AT offers Email.
  • Support channels: only TIPINSURE 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.

Read the full HanseMerkur Reiseversicherung AT review

TIPINSURE

TIPINSURE suits households in Thailand who want one insurer for auto, home, travel, health, pet, motorcycle and critical illness cover. Premiums start at THB 699 and can be paid monthly, though the price sits well back in the field. TIPINSURE Public Company Limited is an insurer founded in 1951.

Read the full TIPINSURE review

Score breakdown

HanseMerkur Reiseversicherung AT vs TIPINSURE
AreaHanseMerkur Reiseversicherung ATTIPINSURE
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price.
Offer8.89.2Higher
Trust9.59.5

Which one suits you

Pick HanseMerkur Reiseversicherung AT if cost matter most.

Pick TIPINSURE if offer matter most.

Positions in our rankings

HanseMerkur Reiseversicherung AT vs TIPINSURE
RankingHanseMerkur Reiseversicherung ATTIPINSURE
Insurance4 of 62726 of 627
Travel insurance2 of 27815 of 278
Pet insurance1 of 1575 of 157

What each covers

HanseMerkur Reiseversicherung AT vs TIPINSURE
Insurance typesHanseMerkur Reiseversicherung ATTIPINSURE
AutoNoYes
HomeNoYes
HealthNoYes
TravelYesYes
PetYesYes
MotorcycleNoYes
Critical illnessNoYes
GadgetYesNo

Where these facts come from

HanseMerkur Reiseversicherung AT

  • hansemerkur.at: 10 facts, checked September 26, 2026

TIPINSURE

  • dhipaya.co.th: 5 facts, checked September 26, 2026
  • tipinsure.com: 4 facts, checked September 26, 2026
  • ft.tipinsure.com: 3 facts, checked September 26, 2026

Every fact side by side

HanseMerkur Reiseversicherung AT vs TIPINSURE
FactHanseMerkur Reiseversicherung ATTIPINSURE
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGTIPINSURE Public Company Limited
HeadquartersGermanyThailand
Founded19771951Lower
Support channelsPhone, Email, Help centrePhone, Chat, 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.

TIPINSURE

Pros

  • One insurer covers auto, home, travel, health, pet, motorcycle and critical illness: auto, home and travel
  • Monthly payments are available, not yearly only
  • Claims run on phone, app and online: phone, app and online

Cons

  • The starting premium of THB 699 ranks 173 of 251, so it is not the cheapest entry price
  • Critical illness cover limit is 500,000 THB and the entry age band is 20-60, renewable to 64, which narrows who can be covered

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.

TIPINSURE

Who it suits

  • Households in Thailand insuring a car, home, pet and travel in one place
  • Drivers and motorcyclists who want monthly premiums rather than a yearly payment
  • Adults building health cover alongside a critical illness policy

Who should look elsewhere

  • Shoppers wanting the lowest entry premium, since the price ranks 173 of 251
  • Anyone seeking a protection scheme or deposit protection, as no scheme appears for this insurer

Current offers

TIPINSURE

Current offer

  • Bonus

    TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht

    Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs TIPINSURE
CountryHanseMerkur Reiseversicherung ATTIPINSURE
AustriaYesNo
GermanyYesNo
ThailandNoYes

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.

TIPINSURE

What does TIPINSURE actually insure?+

TIPINSURE covers auto, home, travel, health, pet, motorcycle and critical illness, listed as auto, home and travel. That range means motor, property and health needs can sit with one provider. It acts as an insurer in its own right, so policies are arranged with the company rather than through a broker.

How much does a TIPINSURE policy cost?+

The entry premium is THB 699 on the fire product. Across the site the median starting premium is €8.31 and the upper quartile reaches €29.72, so the real figure depends on the line and the risk. TIPINSURE ranks 173 of 251 on starting premium.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

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TIPINSURE

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