Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
What sets them apart
| Compare |  HanseMerkur Reiseversicherung AT |  HelloSafe (Atlas) |
|---|---|---|
| Premium from | €1.50Lower | €9 |
| Insurance types | Travel, Pet, GadgetCovers more | Travel |
| Provider type | Insurer | Broker |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Claims channels | Online form, Phone | Phone, Email, Chat |
| Age range | up to 65 years of age | All ages, every nationality |
| Monthly payments | Not confirmed | No |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.6.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HelloSafe (Atlas) is available in 26 more countries.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €9.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only HelloSafe (Atlas) offers Email, Chat.
Our verdict on each
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.
HelloSafe (Atlas)
HelloSafe suits expats seeking dedicated travel cover with broad eligibility described as All ages, every nationality and clear broker status for careful comparison. Entry premiums of €9 make starting costs easy to compare for travellers weighing medical protection of Emergency medical expenses EUR 500,000 - 2,500,000 against price before buying cover online.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. |
| Offer | 8.8 | 8.9HigherCover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. |
| Trust | 9.5Higher | 8.5Broker model disclosed as broker with ORIAS registration 21008038. |
Where each is licensed and available
| Country | HanseMerkur Reiseversicherung AT | HelloSafe (Atlas) |
|---|---|---|
| Austria | Not confirmed | |
| France | Not confirmed | ORIAS 21008038 |
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for HanseMerkur Reiseversicherung AT: 1. Additional countries for HelloSafe (Atlas): 27.
How they place
| Ranking | HanseMerkur Reiseversicherung AT | HelloSafe (Atlas) |
|---|---|---|
| Travel insurance | 2 of 291 | 7 of 291 |
If neither fits
CHECK24 has premium from at €0.69, against €1.50 for HanseMerkur Reiseversicherung AT and €9 for HelloSafe (Atlas).
CHECK24 reviewWhat we checked
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| Legal entity | HanseMerkur Reiseversicherung AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | €9above the median | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
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.
HelloSafe (Atlas)
Pros
- Dedicated travel focus through travel for trip led buyers
- Emergency medical limits of Emergency medical expenses EUR 500,000 - 2,500,000 for care cost protection
- Broad eligibility described as All ages, every nationality for varied travellers
Cons
- Entry premiums of €9 sit above TravelSecure premiums of €5 for buyers comparing starting prices
- Broker setup as broker means cover is arranged through partner insurers with intermediated service and claims handling
- Travel focus through travel gives limited choice for buyers wanting bundled home or health cover alongside travel
Who each suits
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
HelloSafe (Atlas)
Who it suits
- Expats who prefer HelloSafe over TravelSecure for travel cover with All ages, every nationality
- Travellers valuing high medical limits who prefer HelloSafe over AXA for limits of Emergency medical expenses EUR 500,000 - 2,500,000
Who should look elsewhere
- Travellers who need monthly instalments may prefer AXA over HelloSafe because Monthly payments has value no
- Buyers seeking cover beyond travel may prefer MyPhysicianPlan over HelloSafe because HelloSafe lists travel only
Country by country
| Country | HanseMerkur Reiseversicherung AT | HelloSafe (Atlas) |
|---|---|---|
| Austria | Yes | No |
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
Questions about each
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.
HelloSafe (Atlas)
How much does HelloSafe travel cover start from?+
Entry premiums are listed as €9. The exact amount payable varies with destination, duration, age and selected limits, so travellers should compare quotes on matching trip details and review included benefits before buying cover online with care.
Is HelloSafe an insurer or a broker?+
HelloSafe acts as broker, which means it arranges cover provided by partner insurers rather than carrying insurance risk itself. ORIAS registration 21008038 identifies its French broker registration for buyers checking status and documents.
Other options to compare
HanseMerkur Reiseversicherung AT vs Income InsuranceHelloSafe (Atlas) vs Income Insurance
HanseMerkur Reiseversicherung AT vs WorldTripsHelloSafe (Atlas) vs WorldTrips
HanseMerkur Reiseversicherung AT vs MyPhysicianPlanHelloSafe (Atlas) vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT vs Explorer Travel Insurance
HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand)HelloSafe (Atlas) vs MSIG Insurance (Thailand)
Other matchups
- HanseMerkur Reiseversicherung AT vs Income Insurance
- HanseMerkur Reiseversicherung AT vs WorldTrips
- HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
- HelloSafe (Atlas) vs HanseMerkur
- HelloSafe (Atlas) vs AXA
- HanseMerkur Reiseversicherung AT vs Explorer Travel Insurance
- HanseMerkur Reiseversicherung AT vs andsafe
- HanseMerkur Reiseversicherung AT vs TIPINSURE
- HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand)
- HanseMerkur Reiseversicherung AT vs Compass
- HanseMerkur Reiseversicherung AT vs Lemonade
- HanseMerkur Reiseversicherung AT vs Getsafe
- HanseMerkur Reiseversicherung AT vs WAS Insurance
- HanseMerkur Reiseversicherung AT vs MoneyHero