Updated September 28, 2026 · AssureCue Editorial Team

Barmenia vs HanseMerkur Reiseversicherung AT

Barmenia scores 9.4 and HanseMerkur Reiseversicherung AT 9.4 out of 10. Compare their differences and shared features below.

Barmenia

9.4/10

Facts checked September 26, 2026.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

What sets them apart

Barmenia vs HanseMerkur Reiseversicherung AT
Compare
BarmeniaBarmenia
ReviewSee alternativesSee alternatives
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
Premium from€2.40€1.50Lower
Insurance typesAuto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyTravel, Pet, Gadget
Cover limitUnlimited annual maximum benefit (pet surgery cover)300,000 EUR for inpatient treatment abroad
Claims channelsOnline claims form, Phone, Email, Customer portalOnline form, Phone
Age rangeAny age (dog surgery cover)up to 65 years of age
Monthly paymentsYesNot confirmed
Excess from€250Not confirmed

Same on both: Provider type (Insurer).

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Key differences

  • Founded is lower at Barmenia: 1904 vs 1977.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €2.40.
  • Insurance types: only Barmenia offers Auto, Home, Renters.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
  • Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.

Our verdict on each

Barmenia

Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).

Read the full Barmenia review

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.

Read the full HanseMerkur Reiseversicherung AT review

Score breakdown

Barmenia vs HanseMerkur Reiseversicherung AT
AreaBarmeniaHanseMerkur Reiseversicherung AT
Cost9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252.9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.
Offer9.6Higher8.8
Trust9.7Higher9.5

Which one suits you

Pick Barmenia if offer matter most.

Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.

Where they rank in our lists

Barmenia vs HanseMerkur Reiseversicherung AT
RankingBarmeniaHanseMerkur Reiseversicherung AT
Travel insurance83 of 2952 of 295
Pet insurance40 of 1671 of 167

What we checked

Barmenia

  • barmenia.de: 13 facts, checked September 26, 2026

HanseMerkur Reiseversicherung AT

  • hansemerkur.at: 10 facts, checked September 26, 2026

Every fact side by side

Barmenia vs HanseMerkur Reiseversicherung AT
FactBarmeniaHanseMerkur Reiseversicherung AT
Pricing modelMonthlyNot confirmed
Legal entityBarmenia Versicherungen a. G.HanseMerkur Reiseversicherung AG
HeadquartersGermanyGermany
Founded1904Lower1977
Support channelsPhone, Email, Help centrePhone, Email, Help centre

Where each stands against the rest

Barmenia vs HanseMerkur Reiseversicherung AT
FactBarmeniaHanseMerkur Reiseversicherung ATMedian
Premium from€2.40lowest quarter€1.50lowest quarter€6.02
Excess from€250highest quarterNot confirmed€50

Median across 116 listed insurance providers.

Pros and cons

Barmenia

Pros

  • A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
  • Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
  • Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.

Cons

  • The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
  • Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
  • General queries run on phone, email and help centre, and live chat is not among them.

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

Barmenia

Who it suits

  • Households wanting motor, home, health and pet cover arranged by a single direct insurer.
  • Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
  • People who prefer monthly payments over settling a premium in one go.

Who should look elsewhere

  • Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
  • Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
  • Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.

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

Country by country

Barmenia vs HanseMerkur Reiseversicherung AT
CountryBarmeniaHanseMerkur Reiseversicherung AT
AustriaNoYes
GermanyYesYes

Questions about each

Barmenia

How much does cover cost?+

The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.

Is there an excess to pay on pet cover?+

On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.

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.

Other options to compare

Other matchups

Barmenia

Barmenia

Higher score in this comparison

9.4/10See alternatives

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