HanseMerkur Reiseversicherung AT review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

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.

Key facts

Best for
Travellers buying a single trip policy who want a cheap entry point and an insurer rather than a broker.
Premium from
€1.50 (Source, checked September 26, 2026)
Insurance types
Travel, Pet, Gadget (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Cover limit
300,000 EUR for inpatient treatment abroad (Source, checked September 26, 2026)
Claims channels
Online form, Phone (Source, checked September 26, 2026)
Age range
up to 65 years of age (Source, checked September 26, 2026)
Legal entity
HanseMerkur Reiseversicherung AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1977 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
hansemerkur.at

Apps and profiles

Elsewhere
LinkedInXekomi.de

Pros and cons

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.
  • On entry premium the brand ranks 39 among the 252 brands compared.

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.
  • Lines stop at travel, pet and gadget, against auto, home and renters at Good Sam Insurance Agency.
HanseMerkur Reiseversicherung AT

Ready to try HanseMerkur Reiseversicherung AT?

Scored 9.4 / 10 by AssureCue.

Visit

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

Regulation

HanseMerkur Reiseversicherung AT is an insurer. That matters for how the money works: the premium goes to the company that carries the risk and pays the claim, rather than to an intermediary who sells someone else's policy. It is supervised in Austria by FMA Finanzmarktaufsicht and in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), and those bodies are the ones policing the premiums and the claims handling on both sides.

What the policy covers

The lines listed are travel, pet and gadget, and travel is where the company does its main work. Inpatient treatment abroad is insured to 300,000 EUR for inpatient treatment abroad, which is the figure to weigh against hospital costs in the country you are heading to. Entry to the travel policies runs to up to 65 years of age, so the top of that range is where buying stops. Pet and gadget cover sit under the same insurer, which helps a household that needs more than the trip itself covered.

Who runs it

The policy is issued by HanseMerkur Reiseversicherung AG, headquartered in Germany and trading since 1977. Support runs on phone, email and help centre, so a call, an email or the help centre answers the questions that come up before and during a trip. Because the company underwrites its own policies, the same firm that takes the premium also handles the claim, and the help centre stays with the insurer for the life of the policy.

How HanseMerkur Reiseversicherung AT compares

Where HanseMerkur Reiseversicherung AT is available

Available
Austria, Germany
Licence in Austria
FMA Finanzmarktaufsicht, checked September 26, 2026
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How much will it pay for hospital treatment abroad?+

Inpatient treatment abroad is covered to 300,000 EUR for inpatient treatment abroad. That is the ceiling for the policy, so a long stay or a private room in a country with pricier healthcare can run past it. Compare the figure with the hospitals you are likely to use.

Can I still buy this once I am past retirement age?+

Entry to the travel policies runs to up to 65 years of age, so the top of that range is where buying stops. Anyone above it needs a different provider, and the pet line sits under the same group, so an older household is better served elsewhere.

What kinds of insurance does HanseMerkur sell?+

The lines listed are travel, pet and gadget, so a household with a pet can keep travel and pet cover under one insurer. Travel is the core business, and gadget cover joins it from the same group, which saves a second relationship for the mobile and the trip.

How do I report a claim?+

Claims can be opened on online form and phone, which are an online form and a phone line. Support on phone, email and help centre covers general questions, so the two routes differ: one for reporting a claim, one for everything else about the policy.

Who actually runs the policy?+

The policy is issued by HanseMerkur Reiseversicherung AG, headquartered in Germany and trading since 1977. It is an insurer that underwrites its own policies, so the contract and any claim stay with the same company rather than passing to a wholesaler.

How does that entry price compare with other providers?+

Entry premiums of €1.50 sit at the low end of the market. Euroasia Insurance opens at UZS 60,000 and bonus.ch at CHF 0, so the three sit at different points on the scale, and the currency each is quoted in matters before you compare.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Travellers buying a single trip policy who want a cheap entry point and an insurer rather than a broker.

9.4/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings