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Updated September 28, 2026 · SumCue Editorial Team

HanseMerkur Reiseversicherung AT vs WorldTrips

HanseMerkur Reiseversicherung AT scores 9.4 and WorldTrips 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
Visit
WorldTrips

WorldTrips

9.3/10
Visit

HanseMerkur Reiseversicherung AT vs WorldTrips: the differences

HanseMerkur Reiseversicherung AT vs WorldTrips
CompareHanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung ATReviewVisitVisitWorldTripsWorldTripsReviewVisitVisit
Insurance typesTravel, Pet, GadgetCovers moreTravel
Cover limit300,000 EUR for inpatient treatment abroadUSD 2,000,000 overall maximum (Atlas Travel)
Claims channelsOnline form, PhoneMember Portal (DocuSign), Mail, Fax, Email, Phone
Age rangeup to 65 years of age14 days old and over; applicants over age 80 limited to a $10,000 policy maximum
Premium from€1.50Not confirmed
Excess fromNot confirmed$0 to $5,000

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 1998.
  • 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.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.

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

WorldTrips

WorldTrips is a US insurer aimed at expats, selling travel medical cover where the largest plan pays USD 2,000,000 overall maximum (Atlas Travel). Support runs on email, phone and help centre and claims on Member Portal (DocuSign), mail and fax, so it suits people who want direct cover with a big ceiling.

Read the full WorldTrips review

Score breakdown

HanseMerkur Reiseversicherung AT vs WorldTrips
AreaHanseMerkur Reiseversicherung ATWorldTrips
Cost9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95.9.6Cost turns on the excess, which runs $0 to $5,000, and the plan limit you pick.
Offer8.89.1Higher
Trust9.5Higher9.3

Feature by feature

HanseMerkur Reiseversicherung AT vs WorldTrips
Insurance typesHanseMerkur Reiseversicherung ATWorldTrips
TravelYesYes
PetYesNo
GadgetYesNo

How they place

HanseMerkur Reiseversicherung AT vs WorldTrips
RankingHanseMerkur Reiseversicherung ATWorldTrips
Insurance4 of 62722 of 627
Travel insurance2 of 27814 of 278

Every fact side by side

HanseMerkur Reiseversicherung AT vs WorldTrips
FactHanseMerkur Reiseversicherung ATWorldTrips
AudienceNot confirmedExpats
Legal entityHanseMerkur Reiseversicherung AGWorldTrips Insurance Services
HeadquartersGermanyUnited States
Founded1977Lower1998
Support channelsPhone, Email, Help centreEmail, Phone, Help centre

Where each stands against the rest

HanseMerkur Reiseversicherung AT vs WorldTrips
FactHanseMerkur Reiseversicherung ATWorldTripsMedian
Premium from€1.50lowest quarterNot confirmed€6.02
Excess fromNot confirmed$0 to $5,000below the median$100

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.

WorldTrips

Pros

  • It is the insurer itself rather than a broker or a comparison site (insurer).
  • The largest plan pays USD 2,000,000 overall maximum (Atlas Travel), a high ceiling for a medical bill abroad.
  • Claims can be filed on Member Portal (DocuSign), mail and fax, including a Member Portal with DocuSign.

Cons

  • The range is travel only, so there is no auto, home or life cover here.
  • Applicants past a certain age are capped at a much smaller policy maximum, so older travellers get a thinner ceiling.
  • Support runs on email, phone and help centre only, with no live chat or branch counter.

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.

WorldTrips

Who it suits

  • Expats and people relocating who need medical costs covered away from home.
  • Travellers who want a high benefit ceiling and a direct insurer to deal with.
  • Anyone who prefers a US insurer holding a California non-resident producer licence.

Who should look elsewhere

  • Linxea, which covers life and is the pick if you want life cover rather than expat medical.
  • Euroasia Insurance, which covers auto, home and travel, if you need auto or home cover alongside travel.
  • Oney Préstamos ES, which covers health, life and gadget, if health or gadget cover at home is the real need.

Current offers

WorldTrips

Current offer

  • Discount code

    Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)

    Optional upgrades bought at checkout on Atlas Travel or Atlas Premium

    Source, checked September 26, 2026

  • Discount code

    Atlas Group reduced rate for groups of 5 or more: 10% reduced rate

    Groups of 5 or more on the Atlas Group plan

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs WorldTrips
CountryHanseMerkur Reiseversicherung ATWorldTrips
AustriaYesNo
GermanyYesNo
United StatesNoYes

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.

WorldTrips

What does WorldTrips actually insure?+

WorldTrips is an insurer rather than a broker or a comparison site, and it sells one line of cover: travel medical insurance aimed at expats. That means medical care and treatment abroad, not your car, your home or your belongings. It has been trading since 1998 and is based in the US.

How much would a serious claim pay out?+

The largest plan sets an overall ceiling of USD 2,000,000 overall maximum (Atlas Travel), so a major hospital bill abroad is not the thing that limits you. Smaller plans sit lower. You meet the excess first, which runs $0 to $5,000 depending on the plan, before the insurer starts paying the cost.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

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WorldTrips

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