Updated October 21, 2026 · SumCue Editorial Team
HanseMerkur Reiseversicherung AT vs WAS Insurance
HanseMerkur Reiseversicherung AT
Higher score in this comparison
WAS Insurance
What sets them apart
| Compare | HanseMerkur Reiseversicherung ATReviewVisitVisit | WAS InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Travel, Pet, GadgetCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Unlimited medical |
| Claims channels | Online form, Phone | Phone, Email, Online |
| Age range | up to 65 years of age | 18-99 |
| Premium from | €1.50 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | A$100 |
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 8.9.
- 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 Gadget.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only WAS Insurance offers Email, Online.
- Support channels: only HanseMerkur Reiseversicherung AT offers Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in Australia seeking monthly billed cover through a broker model with broad claim routes. Travel plans include Unlimited medical while pet excess starts at AUD 100, with support on email and phone for policy help.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Cost | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. | 9.0Monthly billing through monthly keeps premiums spread across the year. |
| Offer | 8.8Higher | 8.7Focused range of travel and pet with Unlimited medical on travel plans. |
| Trust | 9.5Higher | 8.8Broker licensed under 536280 with claims via phone, email and online. |
Where they rank in our lists
| Ranking | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Insurance | 4 of 627 | 45 of 627 |
| Travel insurance | 2 of 278 | 28 of 278 |
| Pet insurance | 1 of 157 | 8 of 157 |
Sources behind this comparison
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | Not confirmed | €6.02 |
| Excess from | Not confirmed | A$100above the median | A$0 |
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.
WAS Insurance
Pros
- Focused choice of travel and pet for travel and pet needs in a single place
- Travel medical protection described as Unlimited medical
- Claims can be lodged by phone, email and online with monthly billing via monthly
Cons
- Range stays limited to travel and pet, so households wanting home or auto cover must look elsewhere
- Support runs on email and phone only, without live chat or online account help
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.
WAS Insurance
Who it suits
- Travellers seeking medical protection described as Unlimited medical with monthly billing
- Pet owners comfortable with an excess from AUD 100 and email or phone service
Who should look elsewhere
- Readers wanting life cover should consider Linxea, which focuses on life
- Households wanting auto, home or health cover should consider die Bayerische, which lists auto, home and motorcycle
Country by country
| Country | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Austria | Yes | No |
| 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.
WAS Insurance
What types of insurance does WAS Insurance offer?+
WAS Insurance arranges travel and pet, covering travel and pet needs. It acts as a broker rather than an insurer, so policies come from partner underwriters. That focus suits readers who want those protections without a broader household portfolio.
How does the pet excess work?+
Pet policies carry an excess starting at AUD 100 per claim. The exact amount can vary by plan and claim type, so check the schedule before you buy. Monthly billing through monthly spreads the annual premium rather than removing the excess.
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