Updated September 28, 2026 · AssureCue Editorial Team
CosmosDirekt vs HanseMerkur Reiseversicherung AT
What sets them apart
| Compare |  CosmosDirekt |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Premium from | €1.73 | €1.50Lower |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protection | Travel, Pet, Gadget |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | 300,000 EUR for inpatient treatment abroad |
| Claims channels | Online, Phone | Online form, Phone |
| Age range | up to 64 years | up to 65 years of age |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at CosmosDirekt: 1950 vs 1977.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €1.73.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
- Claims channels: only CosmosDirekt offers Online.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
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.
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 | CosmosDirekt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| 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. | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.1Higher | 8.8 |
| Trust | 9.6Higher | 9.5 |
Licences and countries
| Country | CosmosDirekt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Germany | ||
| Austria | Not confirmed |
Available in 1 country for both. Additional countries for HanseMerkur Reiseversicherung AT: 1.
Positions in our rankings
| Ranking | CosmosDirekt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 9 of 291 | 2 of 291 |
| Pet insurance | 5 of 161 | 1 of 161 |
Choosing between them
Pick CosmosDirekt if offer matter most.
Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.
Every fact side by side
| Fact | CosmosDirekt | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Cosmos Versicherung Aktiengesellschaft | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 1950Lower | 1977 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CosmosDirekt | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €1.50lowest quarter | €5.97 |
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.
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
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.
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
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 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | 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.
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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