Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs HanseMerkur Reiseversicherung AT
Where Getsafe and HanseMerkur Reiseversicherung AT differ
| Compare |  Getsafe |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Premium from | €2.90 | €1.50Lower |
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Travel, Pet, Gadget |
| Provider type | Broker | Insurer |
| Cover limit | Up to 4x the official German vet fee rate | 300,000 EUR for inpatient treatment abroad |
| Claims channels | App, Phone, Chat | Online form, Phone |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | up to 65 years of age |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.1.
- Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 2015.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €2.90.
- Insurance types: only Getsafe offers Home, Dental, Life.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
- Claims channels: only Getsafe offers App, Chat.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only Getsafe offers Chat.
Our verdict on each
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
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 | Getsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.4Premiums start at €2.90 with an excess of €0, and monthly is monthly only. | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.5Higher | 8.8 |
| Trust | 8.6 | 9.5Higher |
What each covers
| Insurance types | Getsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | No | Yes |
Choosing between them
Pick Getsafe if offer matter most.
Pick HanseMerkur Reiseversicherung AT if cost, trust, and premium from matter most.
Also worth a look
CHECK24 has premium from at €0.69, against €2.90 for Getsafe and €1.50 for HanseMerkur Reiseversicherung AT.
CHECK24 reviewSources behind this comparison
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
How they place
| Ranking | Getsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 27 of 296 | 2 of 296 |
| Pet insurance | 11 of 164 | 1 of 164 |
Every fact side by side
| Fact | Getsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Getsafe Digital GmbH | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | 2015 | 1977Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Getsafe | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €2.90below the median | €1.50lowest quarter | €5.97 |
| Excess from | €0below the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | Getsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | Yes | Yes |
| Germany | Yes | Yes |
Questions about each
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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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