Updated September 30, 2026 · AssureCue Editorial Team
CosmosDirekt vs TravelSecure
What sets them apart
| Compare |  CosmosDirekt |  TravelSecure |
|---|---|---|
| Premium from | €1.73Lower | €5 |
| Insurance types | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more | Travel |
| Monthly payments | YesHas it | No |
| Claims channels | Online, Phone | Online, Email |
| Excess from | Not confirmed | €25 |
| Cover limit | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) | Not confirmed |
| Age range | up to 64 years | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- CosmosDirekt scores higher overall: 9.4 vs 9.0.
- Premium from is lower at CosmosDirekt: €1.73 vs €5.
- Monthly payments: only CosmosDirekt.
- Insurance types: only CosmosDirekt offers Auto, Home, Life.
- Claims channels: only CosmosDirekt offers Phone.
- Claims channels: only TravelSecure 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.
TravelSecure
TravelSecure suits seniors planning travel cover through an insurer structure with direct underwriting and phone based help. Premiums start at €5 with excess at €25 and Monthly payments unavailable, so you pay per trip or per term in full before you travel.
Score breakdown
| Area | CosmosDirekt | TravelSecure |
|---|---|---|
| Cost | 9.4HigherEntry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. | 8.8Starting premiums at €5 keep entry costs modest for travel cover. |
| Offer | 9.1Higher | 8.4Focused travel cover through insurer keeps the offer narrow and clear. |
| Trust | 9.6 | 9.6Direct insurer status through insurer supports trust in claims handling. |
Positions in our rankings
| Ranking | CosmosDirekt | TravelSecure |
|---|---|---|
| Travel insurance | 9 of 291 | 6 of 291 |
Side by side, item by item
| Insurance types | CosmosDirekt | TravelSecure |
|---|---|---|
| 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 |
Availability and regulation
| Country | CosmosDirekt | TravelSecure |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both.
Where these facts come from
CosmosDirekt
- cosmosdirekt.de: 12 facts, checked September 26, 2026
TravelSecure
- travelsecure.de: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | CosmosDirekt | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| 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 | TravelSecure | Median |
|---|---|---|---|
| Premium from | €1.73lowest quarter | €5below the median | €5.97 |
| Excess from | Not confirmed | €25below the median | €70 |
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.
TravelSecure
Pros
- Premiums start at €5, which keeps entry pricing accessible for travel cover.
- Excess starts at €25, giving a clear retention figure before you commit.
- Insurer status through insurer keeps underwriting and claims under the same carrier.
Cons
- Monthly payments are unavailable, so you cannot spread costs across the term.
- Cover centres on travel, so you cannot bundle other household risks in the same place.
- Support runs on phone and help centre only, so you cannot use live chat or email for help.
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.
TravelSecure
Who it suits
- Seniors who want dedicated travel cover with phone support and clear starting premiums.
- Travellers who prefer an insurer model and are comfortable paying the term in full.
Who should look elsewhere
- Travellers who want to spread costs should consider AXA, as Monthly payments are unavailable with TravelSecure.
- Travellers who want intermediary choice should consider Explorer Travel Insurance, as TravelSecure acts as an insurer rather than a broker.
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 | TravelSecure |
|---|---|---|
| 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.
TravelSecure
What does TravelSecure travel cover cost to start?+
Premiums start at €5 for travel cover, with excess at €25. Monthly payments are unavailable, so you pay for the selected term in full. Check the chosen tariff before you commit, as the payable amount varies with trip length and options.
How does the excess work on a claim?+
Excess starts at €25 on the relevant travel tariff. You carry that share of each valid claim, while the insurer carries the balance under the terms. Review the excess that applies to cancellation, medical and baggage sections before you buy.
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