Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs HanseMerkur Reiseversicherung AT
Where ARAG and HanseMerkur Reiseversicherung AT differ
| Compare |  ARAG |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Premium from | €14.73 | €1.50Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, GadgetCovers more | Travel, Pet, Gadget |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | 300,000 EUR for inpatient treatment abroad |
| Claims channels | Online, Phone | Online form, Phone |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | up to 65 years of age |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at ARAG: 1935 vs 1977.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- ARAG is available in 16 more countries.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €14.73.
- Insurance types: only ARAG offers Home, Health, Dental.
- Claims channels: only ARAG offers Online.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only ARAG offers Chat.
Our verdict on each
ARAG
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
HanseMerkur Reiseversicherung AT
HanseMerkur Reiseversicherung AT suits travellers who want a low entry price from an insurer rather than a broker, with premiums starting at €1.50. The trade-off is a firm built around travel, with cover set at 300,000 EUR for inpatient treatment abroad for inpatient treatment abroad and entry ending at up to 65 years of age.
Score breakdown
| Area | ARAG | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.3Higher | 8.8 |
| Trust | 9.6Higher | 9.5 |
Feature by feature
| Insurance types | ARAG | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Home | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Dental | Yes | No |
| Gadget | Yes | Yes |
Where each is licensed and available
| Country | ARAG | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Germany | ||
| Austria | Not confirmed |
Available in 2 countries for both. Additional countries for ARAG: 16.
Choosing between them
Pick ARAG if offer and insurance types matter most.
Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.
What we checked
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
How they place
| Ranking | ARAG | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 81 of 295 | 2 of 295 |
| Pet insurance | 38 of 167 | 1 of 167 |
Every fact side by side
| Fact | ARAG | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ARAG SE | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1935Lower | 1977 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | ARAG | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €1.50lowest quarter | €6.02 |
| Excess from | €0below the median | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
ARAG
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
HanseMerkur Reiseversicherung AT
Pros
- Entry premiums start at €1.50, under the €8.37 recorded across the site.
- The company is an insurer, so HanseMerkur Reiseversicherung AG carries the risk on travel, pet and gadget cover and settles its own claims.
- Support runs on phone, email and help centre, and claims can be opened on online form and phone, so a call or a form covers both.
Cons
- Inpatient treatment abroad is capped at 300,000 EUR for inpatient treatment abroad, so a long stay or a private room runs into your own pocket.
- Eligibility ends at up to 65 years of age, which closes the policy for older travellers.
- Claims start on online form and phone, with no written claims address given.
Who each suits
ARAG
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
HanseMerkur Reiseversicherung AT
Who it suits
- Travellers buying a single trip policy who want the cover handled by the insurer rather than a broker
- Households that want travel and pet cover from the same group
- People who would rather report a claim by phone or on an online form
Who should look elsewhere
- Travellers past up to 65 years of age, who will find the entry age closed and need another provider
- Drivers, renters or life buyers: Good Sam Insurance Agency lists auto, home and renters
- Shoppers shopping the Swiss market, where bonus.ch opens at CHF 0
Current offers
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
Country by country
| Country | ARAG | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 18 countries where either is available.
Questions about each
ARAG
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
HanseMerkur Reiseversicherung AT
What does a HanseMerkur policy start at?+
Entry premiums run from €1.50 for the travel line, and pet and gadget cover sit in the same group. Across the site the typical entry premium is €8.37, while the travel ranking sits at €7.93, so the opening price is low in both.
Who regulates HanseMerkur Reiseversicherung AT?+
It is an insurer, supervised in Austria by FMA Finanzmarktaufsicht and in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Because the cover is underwritten by the insurer rather than arranged through a broker, the premium goes to the firm that carries the risk.
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Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Travel
- Insurance providers available in Germany
- HanseMerkur, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Pet
- Insurance providers available in Canada