Updated September 28, 2026 · AssureCue Editorial Team

HanseMerkur Reiseversicherung AT vs Lemonade

HanseMerkur Reiseversicherung AT scores 9.4 and Lemonade 9.2 out of 10. Compare their differences and shared features below.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

Lemonade

9.2/10

Facts checked September 26, 2026.

What sets them apart

HanseMerkur Reiseversicherung AT vs Lemonade
Compare
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
LemonadeLemonade
ReviewVisitVisit
Premium from€1.50$5
Insurance typesTravel, Pet, GadgetAuto, Home, Renters, Life, Pet
Cover limit300,000 EUR for inpatient treatment abroadUp to $100,000,000
Claims channelsOnline form, PhoneApp, Phone, Email
Monthly paymentsNot confirmedYes
Age rangeup to 65 years of ageNot confirmed

Same on both: Provider type (Insurer).

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Key differences

  • HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.2.
  • Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 2015.
  • Lemonade is available in 3 more countries.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Gadget.
  • Insurance types: only Lemonade offers Auto, Home, Renters.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only Lemonade offers App, Email.
  • Support channels: only Lemonade offers 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.

Read the full HanseMerkur Reiseversicherung AT review

Lemonade

Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.

Read the full Lemonade review

Score breakdown

HanseMerkur Reiseversicherung AT vs Lemonade
AreaHanseMerkur Reiseversicherung ATLemonade
Cost9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.9.2Premiums start at $5 on monthly payments, below the site median of €8.37.
Offer8.89.4Higher
Trust9.5Higher8.9

Which one suits you

Pick HanseMerkur Reiseversicherung AT if cost and trust matter most.

Pick Lemonade if offer matter most.

What we checked

HanseMerkur Reiseversicherung AT

  • hansemerkur.at: 10 facts, checked September 26, 2026

Lemonade

  • lemonade.com: 10 facts, checked September 26, 2026
  • en.wikipedia.org: 1 fact, checked September 26, 2026

How they place

HanseMerkur Reiseversicherung AT vs Lemonade
RankingHanseMerkur Reiseversicherung ATLemonade
Pet insurance1 of 16110 of 161

Every fact side by side

HanseMerkur Reiseversicherung AT vs Lemonade
FactHanseMerkur Reiseversicherung ATLemonade
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGLemonade Insurance Company
HeadquartersGermanyUnited States
Founded1977Lower2015
Support channelsPhone, Email, Help centrePhone, Email, Chat, Help centreCovers more

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.

Lemonade

Pros

  • Premiums start at $5 a month, so the first policy is a small commitment
  • auto, home and renters policies sit under the same insurer, keeping a household on a single account
  • Monthly payments are available, and the pricing model is monthly

Cons

  • Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
  • Billing follows monthly alone, so annual cover is not among the payment options
  • Life cover tops out at Up to $100,000,000, and the range sits in a single US market

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

Lemonade

Who it suits

  • US renters and homeowners who want several policies in the same app
  • Pet owners adding an animal policy to an existing monthly account
  • People who want a low entry price rather than a long policy list

Who should look elsewhere

  • Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
  • Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
  • Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5

Current offers

Lemonade

Current offer

  • Bonus

    Rover gift card for new Lemonade Pet policyholders: Rover gift card

    New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue

    Source, checked September 26, 2026

  • First period offer

    Pet bundle discount: 10%

    Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons

    Source, checked September 26, 2026

  • First period offer

    Pet multi-pet discount: 10%

    Policy for more than one cat or dog in the same household

    Source, checked September 26, 2026

  • First period offer

    Pet annual payment discount: 5%

    Pay for the pet policy annually instead of monthly

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs Lemonade
CountryHanseMerkur Reiseversicherung ATLemonade
AustriaYesNo
FranceNoYes
NetherlandsNoYes
United KingdomNoYes
United StatesNoYes
GermanyYesYes

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.

Lemonade

How much does Lemonade cost to start?+

Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.

Which kinds of insurance does Lemonade sell?+

Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.

Other options to compare

HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Higher score in this comparison

9.4/10Visit

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