Updated September 29, 2026 · AssureCue Editorial Team
Explorer Travel Insurance vs HanseMerkur Reiseversicherung AT
Where Explorer Travel Insurance and HanseMerkur Reiseversicherung AT differ
| Compare |  Explorer Travel Insurance |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance types | Travel | Travel, Pet, GadgetCovers more |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email | Online form, Phone |
| Age range | Single trip no max; annual to 79 | up to 65 years of age |
| Premium from | Not confirmed | €1.50 |
| Excess from | £0 | 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 8.9.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- Explorer Travel Insurance is available in 2 more countries.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Claims channels: only Explorer Travel Insurance offers Email.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
Our verdict on each
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.
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 | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.6Excess sits at £0 which supports low extra cost at claim stage. | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 8.4Cover stays centred on travel across travel with defined age terms. | 8.8Higher |
| Trust | 8.7Broker status is stated as broker under licence 583108. | 9.5Higher |
Licences and countries
| Country | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 583108 | Not confirmed |
Additional countries for Explorer Travel Insurance: 4. Additional countries for HanseMerkur Reiseversicherung AT: 2.
Sources behind this comparison
Explorer Travel Insurance
- explorerinsurance.co.uk: 5 facts, checked September 29, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
How they place
| Ranking | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 5 of 291 | 2 of 291 |
Every fact side by side
| Fact | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Legal entity | Not confirmed | HanseMerkur Reiseversicherung AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1977 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | Not confirmed | €1.50lowest quarter | €5.97 |
| Excess from | £0below the median | Not confirmed | £25 |
Median across 109 listed insurance providers.
Pros and cons
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.
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
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.
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 | Explorer Travel Insurance | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| United Kingdom | Yes | No |
Questions about each
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.
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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