Updated September 30, 2026 · SumCue Editorial Team
HomeServe vs TravelSecure
HomeServe
TravelSecure
Higher score in this comparison
HomeServe vs TravelSecure: the differences
| Compare | HomeServeReviewVisitVisit | TravelSecureReviewVisitVisit |
|---|---|---|
| Premium from | €7 | €5Lower |
| Insurance types | Home emergency | Travel |
| Provider type | Broker | Insurer |
| Monthly payments | YesHas it | No |
| Excess from | €0Lower | €25 |
| Claims channels | Online, Phone | Online, Email |
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Key differences
- TravelSecure scores higher overall: 9.0 vs 8.9.
- HomeServe is available in 1 more country.
- Premium from is lower at TravelSecure: €5 vs €7.
- Monthly payments: only HomeServe.
- Excess from is lower at HomeServe: €0 vs €25.
- Insurance types: only HomeServe offers Home emergency.
- Insurance types: only TravelSecure offers Travel.
- Claims channels: only HomeServe offers Phone.
- Claims channels: only TravelSecure offers Email.
Our verdict on each
HomeServe
HomeServe suits households seeking home emergency assistance through a broker model with monthly payments available and support by phone and help centre. Premiums start at €7 with excess of €0 and claims online or by phone via online and phone for added convenience.
TravelSecure
TravelSecure suits seniors seeking travel cover from an insurer setup with phone plus help centre support for claims handled online and by email. Premiums start at €5 with excess from €25, while monthly payments shape the budgeting trade off for annual cover.
Score breakdown
| Area | HomeServe | TravelSecure |
|---|---|---|
| Cost | 9.2HigherPremiums start at €7 with excess of €0 paid monthly. | 8.8Premiums start at €5 with excess from €25 |
| Offer | 8.4Cover centres on home emergency with claims via online and phone. | 8.4Travel focus shown by travel with claims via online and email |
| Trust | 9.0Broker model disclosed as broker with ORIAS registration in France. | 9.6HigherDirect insurer model shown by insurer for clear accountability |
Positions in our rankings
| Ranking | HomeServe | TravelSecure |
|---|---|---|
| Insurance | 10 of 627 | 12 of 627 |
Choosing between them
Pick HomeServe if cost, monthly payments, and excess from matter most.
Pick TravelSecure if trust and premium from matter most.
What we checked
HomeServe
- assistance.homeserve.fr: 7 facts, checked September 28, 2026
TravelSecure
- travelsecure.de: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | HomeServe | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
Where each stands against the rest
| Fact | HomeServe | TravelSecure | Median |
|---|---|---|---|
| Premium from | €7above the median | €5below the median | €6.02 |
| Excess from | €0below the median | €25below the median | €70 |
Median across 116 listed providers.
Pros and cons
HomeServe
Pros
- Premiums start at €7 with excess of €0, keeping entry costs clear.
- Monthly payments are available under monthly, helping spread costs across the year.
- Claims can be made via online and phone, with support through phone and help centre.
Cons
- Cover is limited to home emergency, so households wanting wider protection may look elsewhere.
- Support runs on phone and help centre only, without chat or email contact.
- Broker model via broker means cover terms sit with the underlying insurer.
TravelSecure
Pros
- Direct insurer setup for clear accountability on travel policies
- Premiums start at €5, below typical travel premium levels for budget planning
- Claims routes via online and email give digital options for documentation and updates
Cons
- Cover centres on travel only, so households wanting wider protection may look at AXA
- Support runs on phone and help centre only, which limits choice for readers wanting chat or email help
- Monthly payments are not available, so budgeting stays tied to €5 paid upfront
Who each suits
HomeServe
Who it suits
- Households wanting home emergency help via home emergency with claims through online and phone.
- Budget planners who value monthly billing with premiums from €7 and excess of €0.
- Phone led customers who value support through phone and help centre.
Who should look elsewhere
- Readers seeking life cover rather than home emergency help may prefer Polizza Vita con Bonus for life.
- Readers seeking travel cover may prefer TravelSecure with premiums from €5.
- Readers seeking car cover may prefer AXA with premiums from £275.
TravelSecure
Who it suits
- Seniors planning trips who value a direct insurer route for travel cover
- Travellers comfortable paying upfront at €5 without monthly payments
- Readers happy with phone plus help centre support via phone and help centre
Who should look elsewhere
- Readers wanting life cover rather than trip cover may prefer Polizza Vita con Bonus given life
- Readers wanting broker choice across many insurers may prefer Explorer Travel Insurance given broker
- Readers wanting instalment budgeting may look beyond TravelSecure as monthly payments are not available
Country by country
| Country | HomeServe | TravelSecure |
|---|---|---|
| France | Yes | No |
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
HomeServe
What does HomeServe cover+
HomeServe focuses on home emergency assistance under home emergency. Claims can be started via online and phone, with phone support alongside online routes. Check the policy summary for limits, exclusions and response terms before buying.
How much does cover cost+
Premiums start at €7. Excess is set at €0, which helps keep entry costs predictable. Monthly payments are available, so costs can be spread across the policy term rather than paid in full.
TravelSecure
What does TravelSecure cover?+
TravelSecure focuses on travel cover, so you arrange protection for trips rather than for home, auto or health needs. That narrow focus helps seniors compare trip options clearly. Check policy terms to confirm cancellation, medical and baggage scope before you buy.
How much does TravelSecure cost?+
Premiums start at €5 for trip cancellation style cover, with final cost shaped by trip value, duration and traveller profile. That entry point helps you gauge affordability early. Always compare excess, limits and exclusions alongside headline premium before purchase.