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Updated September 28, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs Vuso UA

HanseMerkur Reiseversicherung AT scores 9.4 and Vuso UA 9.3 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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Vuso UA

Vuso UA

9.3/10
Visit

What sets them apart

HanseMerkur Reiseversicherung AT vs Vuso UA
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitVuso UAVuso UAReviewVisitVisit
Insurance typesTravel, Pet, GadgetAuto, Travel, Health, Home, Renters
Cover limit300,000 EUR for inpatient treatment abroadUp to 3.5 million UAH (KASKO Patriot 2.0 Unlimited)
Claims channelsOnline form, PhoneCovers morePhone
Age rangeup to 65 years of ageChildren aged 0-3 and adults aged 60-65 (voluntary medical insurance)
Premium from€1.50Not confirmed
Excess fromNot confirmed€0 to €50

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 9.3.
  • Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 2001.
  • 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 Pet, Gadget.
  • Insurance types: only Vuso UA offers Auto, Health, Home.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Support channels: only Vuso UA 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

Vuso UA

Vuso UA suits people seeking personal insurance from a Ukrainian insurer, particularly expats. Its broad choice of auto, travel, health, home and renters insurance makes it more versatile than Linxea, while premiums across insurance listings start at a median of €8.31.

Read the full Vuso UA review

Score breakdown

HanseMerkur Reiseversicherung AT vs Vuso UA
AreaHanseMerkur Reiseversicherung ATVuso UA
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.9.6Premiums across listed insurance categories start at a median of €8.31.
Offer8.89.0Higher
Trust9.5Higher9.2

What we checked

HanseMerkur Reiseversicherung AT

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

Vuso UA

  • vuso.ua: 11 facts, checked September 26, 2026

How they place

HanseMerkur Reiseversicherung AT vs Vuso UA
RankingHanseMerkur Reiseversicherung ATVuso UA
Insurance4 of 62721 of 627
Travel insurance2 of 27813 of 278

Every fact side by side

HanseMerkur Reiseversicherung AT vs Vuso UA
FactHanseMerkur Reiseversicherung ATVuso UA
AudienceNot confirmedExpats
Legal entityHanseMerkur Reiseversicherung AGPrAT Insurance Company VUSO
HeadquartersGermanyUkraine
Founded1977Lower2001
Support channelsPhone, Email, Help centrePhone, Email, Chat, Help centreCovers more

Where each stands against the rest

HanseMerkur Reiseversicherung AT vs Vuso UA
FactHanseMerkur Reiseversicherung ATVuso UAMedian
Premium from€1.50lowest quarterNot confirmed€6.02
Excess fromNot confirmed€0 to €50below the median€70

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.

Vuso UA

Pros

  • Covers auto, travel, health, home and renters insurance through auto, travel and health.
  • Vuso UA is an insurer rather than a broker, according to insurer.
  • Customers can reach the insurer by phone, email, chat or the help centre through phone, email and chat.

Cons

  • Voluntary medical insurance is limited to a stated age range covering children and older adults, not every applicant.
  • The stated cover limit, Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited), belongs to a single unlimited KASKO product rather than to every Vuso UA policy.
  • Premiums vary widely across the market, with listed prices running €0 to €3,431.08.

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.

Vuso UA

Who it suits

  • Expats and internationally minded residents in Ukraine, matching expats, who want personal cover in one place.
  • Ukrainian households looking for more than one category of cover.
  • Customers who want support by phone, email, chat or a help centre through phone, email and chat.

Who should look elsewhere

  • People seeking life insurance, since Linxea offers life.
  • Shoppers focused mainly on gadget insurance, since Oney Préstamos ES offers health, life and gadget and Vuso UA's listed types do not include gadgets.
  • People wanting a Ukrainian insurer that lists travel, home and gadget cover but no listed auto cover, unlike the range described for Euroasia Insurance by auto, home and travel.

Current offers

Vuso UA

Current offer

  • Discount code

    10% discount on medical travel insurance for trips abroad: 10% discount

    Covers COVID-19 treatment costs, 24/7 emergency medical assistance worldwide

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs Vuso UA
CountryHanseMerkur Reiseversicherung ATVuso UA
AustriaYesNo
GermanyYesNo
UkraineNoYes

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.

Vuso UA

What kinds of insurance does Vuso UA offer?+

Vuso UA lists auto, travel and health, so cover spans vehicles, journeys, health, the home and renting arrangements. That mix is broader than the life-only line at Linxea, which lists life. One insurer can then cover several members of a household.

Is Vuso UA an insurer or a broker?+

Vuso UA is an insurer, as insurer shows, and the legal entity behind the policies is PrAT Insurance Company VUSO. Its headquarters sit in Ukraine, so the contracts are written for the Ukrainian market rather than for a UK or European customer.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

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Vuso UA

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