Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs HanseMerkur Reiseversicherung AT
What sets them apart
| Compare |  CHECK24 |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Premium from | €0.69Lower | €1.50 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Travel, Pet, Gadget |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 300,000 EUR for inpatient treatment abroad |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online form, Phone |
| Age range | Not confirmed | up to 65 years of age |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.3.
- Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 1999.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- CHECK24 is available in 1 more country.
- Premium from is lower at CHECK24: €0.69 vs €1.50.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form, Phone.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
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 | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.7Entry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.6Higher | 8.8 |
| Trust | 8.6 | 9.5Higher |
Pick CHECK24 if, pick HanseMerkur Reiseversicherung AT if
Pick CHECK24 if offer, premium from, and insurance types matter most.
Pick HanseMerkur Reiseversicherung AT if trust matter most.
Availability and regulation
| Country | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | |
| Austria | Not confirmed |
Available in 2 countries for both. Additional countries for CHECK24: 1.
How they place
| Ranking | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 13 of 291 | 2 of 291 |
| Pet insurance | 7 of 161 | 1 of 161 |
Every fact side by side
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1977Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CHECK24 | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €1.50lowest quarter | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
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
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
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
| Country | CHECK24 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Spain | Yes | No |
| Austria | Yes | Yes |
| Germany | Yes | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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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