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Pantaenius review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Pantaenius suits travellers who want a broker rather than a direct insurer, and a policy that can be paid for monthly. Founded 1899 and headquartered in Germany, it places travel cover with underwriters and handles claims by phone, email and online client hub while holding a Financial Conduct Authority licence in the UK.

Key facts

Best for
Travellers taking out a travel policy who want monthly payments and a broker arranging the cover.
Insurance types
Travel↗
Provider type
Broker↗
Monthly payments
Yes↗
Claims channels
Phone, Email, Online-client-hub↗
Legal entity
Pantaenius GmbH↗
Headquarters
Germany↗
Founded
1899↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Monthly
Official website
pantaenius.com

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • A broker model, so the policy is placed with an underwriter rather than written by Pantaenius itself
  • Monthly payments are available, listed among the payment models at monthly
  • Support runs on email, chat and phone, and claims can go through phone, email and online client hub
  • A UK Financial Conduct Authority licence, registration 308688

Cons

  • Insurance types are limited to travel, so travel covers nothing else
  • A German base, with DE as the headquarters, so UK buyers deal with a company based abroad
Pantaenius

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Travellers taking out a travel policy who prefer a broker
  • Anyone who wants premiums spread monthly rather than settled up front
  • Holidaymakers who want claims handled by phone, email or the online client hub

Who should look elsewhere

  • People after home, life or health cover, since Oney Préstamos ES offers health, life and gadget
  • Travellers wanting auto or home policies as well, where EuroAsia Insurance lists auto, home and travel
  • Anyone seeking an investment wrapper, since Linxea focuses on life

Who runs it

Pantaenius is a broker rather than an insurer, so the legal entity behind the policy is Pantaenius GmbH and the company is headquartered in Germany. It has a heritage going back to 1899. Help runs on email, chat and phone. In the UK it is authorised and regulated by the Financial Conduct Authority under registration 308688, while in Germany it trades on permission from IHK Hamburg, the Chamber of Commerce and Industry Hamburg.

How Pantaenius compares

Where Pantaenius is available

Available
Aland Islands, Australia, Austria, Belgium, Bonaire, Sint Eustatius and Saba, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Falkland Islands, Faroe Islands, Finland, France, French Polynesia, Germany, Gibraltar, Greece, Greenland, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mauritius, Monaco, Netherlands, New Zealand, Norway, Poland, Portugal, Reunion, Romania, San Marino, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (308688), checked September 26, 2026
Licence in Germany
IHK Hamburg (Chamber of Commerce and Industry Hamburg), permission under section 34d(1) GewO, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Pantaenius sell travel insurance itself or act as a broker?+

Pantaenius acts as a broker, and the entity behind the service is Pantaenius GmbH. The company places cover with underwriters and deals with the day to day administration, including claims, so the policy itself is not underwritten by Pantaenius.

What is the starting price for a policy?+

A premium on this listing is shown with the policy rather than fixed in advance. Across the insurance policies on the site, the median starting premium is €8.31, with the lower quartile at €2.92 and the upper quartile at €29.72. The final figure depends on the destination, the length of the trip and the cover chosen.

Can a policy be paid for monthly?+

Yes. Monthly payments are available and appear as one of the payment models at monthly. Spreading the premium this way means several smaller payments during the period of cover instead of one larger payment at the start of the policy.

Which regulator authorises Pantaenius in the UK?+

Pantaenius is authorised and regulated by the Financial Conduct Authority, and the UK registration number is 308688. Customers buying in the UK are therefore covered by the regulator's rules on how insurance is sold and how complaints are handled.

What kinds of insurance does Pantaenius offer?+

Travel is the only category listed at travel. If a household wants home, auto or life cover as well, that has to come from another provider, since Pantaenius does not extend into those areas of the market.

How do I make a claim or get help?+

Support runs on email, chat and phone, so a question can go by email, chat, phone or through the help centre. Claims are handled separately, using phone, email and online client hub, which adds a call line, email and access through the online client hub.

Where is Pantaenius based?+

The headquarters are in DE and the legal entity is Pantaenius GmbH. The business also holds permission in Germany from IHK Hamburg, the Chamber of Commerce and Industry Hamburg, and a Financial Conduct Authority licence for the UK market.

How does Pantaenius compare with the typical travel policy on the site?+

Starting premium is the clearest comparison. The median across the insurance policies listed on the site is €8.31, while the travel policies here sit around €7.93. The travel quartiles run at €2.23 and €43.47.

Sources

  • pantaenius.com checked September 26, 2026

    Backs: Headquarters

    “Pantaenius GmbH (Headquarter) +49 40 37 09 10”

  • pantaenius.com/com/imprint checked September 26, 2026

    Backs: Legal entity

    “Pantaenius GmbH, Grosser Grasbrook 10, 20457 Hamburg ... Registergericht: AG Hamburg, Handelsregister Nr.: HRB 63896”

  • pantaenius.com/de-de checked September 26, 2026

    Backs: Provider type, Insurance types

    “Auslandsreise-Krankenversicherung fuer Langtoursegler (nav item, alongside Bootskasko, Bootshaftpflicht, Boots-Insassenunfall and Crew-Versicherungen)”

  • pantaenius.com/uk-en checked September 26, 2026

    Backs: Claims channels, Support channels, Licences

    “Report a claim ... Contact the Client Hub ... +44 17 52 22 36 56 ... hello@pantaenius.co.uk”

  • pantaenius.com/uk-en/about-us/heritage checked September 26, 2026

    Backs: Founded

    “1899 Founding of the insurance broker Pantaenius in Hamburg”

  • pantaenius.com/uk-en/service/payment checked September 26, 2026

    Backs: Pricing model, Monthly payments

    “Instalments ... FREE instalment option ... Payments will be debited on the 15th of the month”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Pantaenius

Pantaenius

Travellers taking out a travel policy who want monthly payments and a broker arranging the cover.

9.2/10See alternatives