Updated September 28, 2026 · AssureCue Editorial Team

HanseMerkur Reiseversicherung AT vs MoneyHero

HanseMerkur Reiseversicherung AT scores 9.4 and MoneyHero 8.8 out of 10. Compare their differences and shared features below.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

MoneyHero

8.8/10

Facts checked September 26, 2026.

Where HanseMerkur Reiseversicherung AT and MoneyHero differ

HanseMerkur Reiseversicherung AT vs MoneyHero
Compare
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
MoneyHeroMoneyHero
ReviewVisitVisit
Premium from€1.50HK$89.49
Insurance typesTravel, Pet, GadgetTravel, Auto, Home, Pet, Life, Critical illness, Health
Provider typeInsurerComparison site
Cover limit300,000 EUR for inpatient treatment abroadHK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil)
Age rangeup to 65 years of ageNo upper age limit on single-trip travel plans
Monthly paymentsNot confirmedYes
Excess fromNot confirmedHK$2,500
Claims channelsOnline form, PhoneNot confirmed

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Key differences

  • HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.8.
  • Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 2013.
  • HanseMerkur Reiseversicherung AT is licensed in 1 more country.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
  • Insurance types: only MoneyHero offers Auto, Home, Life.
  • Support channels: only MoneyHero 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

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.

Read the full MoneyHero review

Score breakdown

HanseMerkur Reiseversicherung AT vs MoneyHero
AreaHanseMerkur Reiseversicherung ATMoneyHero
Cost9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37.
Offer8.89.7Higher
Trust9.5Higher8.3

What each covers

HanseMerkur Reiseversicherung AT vs MoneyHero
Insurance typesHanseMerkur Reiseversicherung ATMoneyHero
AutoNoYes
HomeNoYes
LifeNoYes
HealthNoYes
TravelYesYes
PetYesYes
Critical illnessNoYes
GadgetYesNo

Where each is licensed and available

HanseMerkur Reiseversicherung AT vs MoneyHero
CountryHanseMerkur Reiseversicherung ATMoneyHero
AustriaNot confirmed
GermanyNot confirmed
Hong KongNot confirmed

Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for MoneyHero: 1.

How they place

HanseMerkur Reiseversicherung AT vs MoneyHero
RankingHanseMerkur Reiseversicherung ATMoneyHero
Travel insurance2 of 29134 of 291
Pet insurance1 of 16113 of 161

Every fact side by side

HanseMerkur Reiseversicherung AT vs MoneyHero
FactHanseMerkur Reiseversicherung ATMoneyHero
AudienceNot confirmedSeniors
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGMoneyHero Global Limited (registered in Hong Kong, company number 1864714)
HeadquartersGermanyHong Kong
Founded1977Lower2013
Support channelsPhone, Email, Help centreEmail, Phone, Help centre, ChatCovers 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.

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

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

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

HanseMerkur Reiseversicherung AT vs MoneyHero
CountryHanseMerkur Reiseversicherung ATMoneyHero
AustriaYesNo
GermanyYesNo
Hong KongNoYes

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.

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.

Other options to compare

HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Higher score in this comparison

9.4/10Visit

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