Updated September 29, 2026 · AssureCue Editorial Team
CosmosDirekt vs Explorer Travel Insurance
What sets them apart
| Compare |  CosmosDirekt |  Explorer Travel Insurance |
|---|---|---|
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more | Travel |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Phone, Email |
| Age range | up to 64 years | Single trip no max; annual to 79 |
| Premium from | €1.73 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | £0 |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Not confirmed |
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only Explorer Travel Insurance offers Email.
Our verdict on each
CosmosDirekt
CosmosDirekt underwrites its own policies, so readers who want the contract, the claims handling and the premium to sit with a single insurer get a straightforward deal, with premiums starting at €1.73 on monthly terms. The cost score reads 8.2, and the trade-off is a single provider name across many lines of cover.
Explorer Travel Insurance
Explorer Travel Insurance suits holidaymakers seeking dedicated travel cover with clear age terms covering Single trip no max; annual to 79 and claims support across phone and email. Backed as a broker model with excess at £0, it records an overall rating of 8.9 among travel focused providers on this site.
Score breakdown
| Area | CosmosDirekt | Explorer Travel Insurance |
|---|---|---|
| Cost | 9.4Entry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. | 9.6HigherExcess sits at £0 which supports low extra cost at claim stage. |
| Offer | 9.1Higher | 8.4Cover stays centred on travel across travel with defined age terms. |
| Trust | 9.6Higher | 8.7Broker status is stated as broker under licence 583108. |
What each covers
| Insurance types | CosmosDirekt | Explorer Travel Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
| Income protection | Yes | No |
Positions in our rankings
| Ranking | CosmosDirekt | Explorer Travel Insurance |
|---|---|---|
| Travel insurance | 9 of 291 | 5 of 291 |
Every fact side by side
| Fact | CosmosDirekt | Explorer Travel Insurance |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1950 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | CosmosDirekt | Explorer Travel Insurance | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | Not confirmed | €5.97 |
| Excess from | Not confirmed | £0below the median | £25 |
Median across 109 listed insurance providers.
Pros and cons
CosmosDirekt
Pros
- Premiums start at €1.73 on monthly policies, under the site median of €8.37.
- CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
- Cover spans auto, home and life, letting a household place several lines with a single provider.
Cons
- The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
- Support runs on phone, email and help centre only, with no chat line or community forum in that list.
- auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
Explorer Travel Insurance
Pros
- Excess is shown as £0, which keeps small claims from being eroded by a large retained amount.
- Cover is dedicated to travel, which suits travellers who value a focused travel range over bundled lines.
- Claims contact spans phone and email, giving you both phone and email routes when you need help abroad.
Cons
- Range stays limited to travel so households wanting bundled home or motor cover may look elsewhere.
- Support runs on email and phone only, so travellers who prefer live chat or help centre contact may find choice narrow.
- Annual cover carries age terms noted in Single trip no max; annual to 79, so older travellers seeking yearly cover should check limits closely.
Who each suits
CosmosDirekt
Who it suits
- Readers who want the insurer itself rather than a broker, with the policy and the claim sitting at Cosmos Versicherung Aktiengesellschaft.
- People who budget monthly, since monthly payments are available and monthly is the listed model.
- Households wanting motor, home, travel, pet and landlord cover from a single provider, all under auto, home and life.
Who should look elsewhere
- Readers who want renters or health cover from a single provider: Good Sam Insurance Agency lists auto, home and renters and reaches further than auto, home and life.
- Anyone whose only measure is the entry figure: bunq starts at €0 against €1.73 here.
- Buyers who price in a single currency: EuroAsia Insurance quotes UZS 60,000, so its figure needs converting before it can sit beside €1.73.
Explorer Travel Insurance
Who it suits
- Frequent holidaymakers who want travel only protection may choose Explorer Travel Insurance over AXA because cover stays on travel rather than a wide household panel.
- Mature single trip travellers who value phone help may choose Explorer Travel Insurance over MyPhysicianPlan because support spans email and phone with age terms set out in Single trip no max; annual to 79.
Who should look elsewhere
- Travellers wanting bundled car, home and health cover in a single place may prefer AXA because Explorer Travel Insurance covers travel only across travel.
- Travellers who want direct insurer placement may prefer TravelSecure because Explorer Travel Insurance acts as broker rather than insurer.
Current offers
CosmosDirekt
Current offer
Bonus
Risikolebensversicherung Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers (5 x 15 EUR spread over 5 years)
Promo code RLV9EC26 entered on online term life application by 30.09.2026; not combinable with other actions; vouchers delivered by email, no cash payout of the total
Source, checked September 26, 2026
Bonus
FlexInvest Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers
Valid until 30.09.
Source, checked September 26, 2026
Country by country
| Country | CosmosDirekt | Explorer Travel Insurance |
|---|---|---|
| Germany | Yes | No |
| Guernsey | No | Yes |
| Isle of Man | No | Yes |
| Jersey | No | Yes |
| United Kingdom | No | Yes |
Questions about each
CosmosDirekt
How much does CosmosDirekt cost to begin with?+
Premiums start at €1.73, and that figure belongs to a monthly policy because monthly payments are available. It is an entry point for a single line rather than a household quote. For scale, the median entry premium across the site is €8.37 and the floor is €0.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and the payment model listed is monthly, so the premium is collected month by month instead of in a single annual sum. Across the site 88.9% of brands take monthly payments, so this is the normal arrangement rather than an exception.
Explorer Travel Insurance
What excess applies to Explorer Travel Insurance?+
Excess is listed as £0, which reads as free at the point shown. Your final premium will still vary by trip length, destination, age and options chosen, so review the quote summary before payment.
Does Explorer Travel Insurance cover anything besides travel?+
Insurance types are shown as travel. That focus suits travellers who want a dedicated travel provider rather than a bundled household insurer, though you will need separate arrangements for other lines.
Other options to compare
Other matchups
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- CosmosDirekt vs Lemonade
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Related by the facts
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Travel
- Insurance providers available in Germany
- BiMPY, also regulated by Financial Conduct Authority
- Insurance providers with Auto
- Insurance providers available in United Kingdom