Updated September 28, 2026 · AssureCue Editorial Team
Compass vs HanseMerkur Reiseversicherung AT
What sets them apart
| Compare |  Compass |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Travel, Pet, Gadget |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Online form, Phone |
| Age range | 18+ (resident in Italy) | up to 65 years of age |
| Premium from | Not confirmed | €1.50 |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Not confirmed | 300,000 EUR for inpatient treatment abroad |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.2.
- Founded is lower at Compass: 1960 vs 1977.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only Compass offers Home, Home emergency, Health.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
- Claims channels: only Compass offers Email, Online portal, Post.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
Our verdict on each
Compass
Compass is a broker rather than an insurer, so it places home, health, travel and pet cover with providers instead of carrying the risk itself. It suits residents in Italy who want monthly payments and a single point of contact, and it has traded since 1960.
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 | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.1 | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.3Higher | 8.8 |
| Trust | 9.2 | 9.5Higher |
Pick Compass if, pick HanseMerkur Reiseversicherung AT if
Pick Compass if offer matter most.
Pick HanseMerkur Reiseversicherung AT if cost and trust matter most.
Where they rank in our lists
| Ranking | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 19 of 291 | 2 of 291 |
| Pet insurance | 9 of 161 | 1 of 161 |
Side by side, item by item
| Insurance types | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Home | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Gadget | No | Yes |
| Home emergency | Yes | No |
Every fact side by side
| Fact | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Compass Banca S.p.A. | HanseMerkur Reiseversicherung AG |
| Headquarters | Italy | Germany |
| Founded | 1960Lower | 1977 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Compass | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | Not confirmed | €1.50lowest quarter | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
Compass
Pros
- A single broker handles home, home emergency, health, travel and pet, listed under home, home emergency and health.
- Monthly payments are available, and monthly is the payment model, so the premium is spread across the year.
- Claims can be raised by phone, email, the online portal or post, as phone, email and online portal shows.
Cons
- The broker structure means the policy is underwritten elsewhere rather than by Compass, which is the limit of broker.
- General support runs on phone, email and help centre, while claims use the wider set in phone, email and online portal, so customers need to pick the right desk.
- Eligibility follows 18+ (resident in Italy), so the broker works with Italian residents rather than households spread across other markets.
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
Compass
Who it suits
- Adults resident in Italy who want home, health, travel and pet policies arranged through the same desk.
- Households that would rather spread the premium across the month, since monthly payments are available.
- People who want claims raised by phone, email, the online portal or post, as phone, email and online portal allows.
Who should look elsewhere
- Good Sam Insurance Agency, whose auto, home and renters adds life and motorcycle cover, suits people who want those lines alongside home and pet.
- Hiscox UK, listed for home, renters and landlord, is the pick for anyone focused on home, renters and landlord cover rather than a mixed personal policy.
- EuroAsia Insurance, listed for auto, home and travel, fits drivers and gadget owners better, while Compass concentrates on home, health, travel and pet.
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 | Compass | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
Compass
What kind of company is Compass?+
Compass is a broker, so it arranges cover with insurers rather than underwriting the policies itself. The name sits under Compass Banca S.p.A., based in Italy. Households deal with a single contact, and the policy is issued by the insurer chosen for each line of cover.
Can I pay monthly?+
Monthly payments are available on the policies Compass places, with monthly as the payment model. The premium is spread across the year instead of being asked for in a single payment, which suits households that budget month by month.
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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