Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs MoneyHero
What sets them apart
| Compare |  Getsafe |  MoneyHero |
|---|---|---|
| Premium from | €2.90 | HK$89.49 |
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Broker | Comparison site |
| Excess from | €0 | HK$2,500 |
| Cover limit | Up to 4x the official German vet fee rate | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Claims channels | App, Phone, Chat | Not confirmed |
| Age range | Not confirmed | No upper age limit on single-trip travel plans |
Same on both: Monthly payments (Yes).
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Key differences
- Getsafe scores higher overall: 9.1 vs 8.8.
- Founded is lower at MoneyHero: 2013 vs 2015.
- Getsafe is available in 1 more country.
- Insurance types: only Getsafe offers Dental, Income protection.
- Insurance types: only MoneyHero offers Auto, Critical illness.
- Audience: only Getsafe offers Expats.
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.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | Getsafe | MoneyHero |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 9.5 | 9.7Higher |
| Trust | 8.6Higher | 8.3 |
How they place
| Ranking | Getsafe | MoneyHero |
|---|---|---|
| Home insurance | 18 of 272 | 24 of 272 |
| Life insurance | 14 of 261 | 17 of 261 |
| Health insurance | 18 of 215 | 20 of 215 |
| Travel insurance | 26 of 291 | 34 of 291 |
| Pet insurance | 11 of 161 | 13 of 161 |
What we checked
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Getsafe | MoneyHero |
|---|---|---|
| Audience | Expats, SeniorsCovers more | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Getsafe Digital GmbH | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | Germany | Hong Kong |
| Founded | 2015 | 2013Lower |
| Support channels | Email, Phone, Chat, Help centre | Email, Phone, Help centre, Chat |
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.
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
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.
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
Current offers
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | Getsafe | MoneyHero |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Hong Kong | No | 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.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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