Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur Reiseversicherung AT vs MyPhysicianPlan
Where HanseMerkur Reiseversicherung AT and MyPhysicianPlan differ
| Compare |  HanseMerkur Reiseversicherung AT |  MyPhysicianPlan |
|---|---|---|
| Premium from | €1.50 | $75 |
| Insurance types | Travel, Pet, Gadget | Health, Travel |
| Provider type | Insurer | Broker |
| Cover limit | 300,000 EUR for inpatient treatment abroad | $50K-$200K |
| Age range | up to 65 years of age | up to 99 years |
| Monthly payments | Not confirmed | Yes |
| Claims channels | Online form, Phone | Not confirmed |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.7.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Insurance types: only MyPhysicianPlan offers Health.
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.
MyPhysicianPlan
MyPhysicianPlan suits you if you want health and travel cover on monthly billing with phone support arranged by a broker, with eligibility up to 99 years, reflected in an overall score of 8.7 for this clear focused personal cover aimed at travellers seeking care access.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | MyPhysicianPlan |
|---|---|---|
| Cost | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. | 8.7Entry pricing starts at $75 with monthly billing available. |
| Offer | 8.8Higher | 8.4Traveller limits run $50K-$200K for the listed health and travel use. |
| Trust | 9.5Higher | 8.8Head office base is in US under a stated corporate identity. |
How they place
| Ranking | HanseMerkur Reiseversicherung AT | MyPhysicianPlan |
|---|---|---|
| Travel insurance | 2 of 291 | 1 of 291 |
Licences and countries
| Country | HanseMerkur Reiseversicherung AT | MyPhysicianPlan |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for MyPhysicianPlan: 1.
Sources behind this comparison
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
MyPhysicianPlan
- myphysicianplan.com: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | MyPhysicianPlan |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centre | Not confirmed |
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.
MyPhysicianPlan
Pros
- Eligibility extends up to 99 years, which helps mature travellers seeking continued cover.
- Focus on health and travel keeps the offer clear if you want health plus travel in a defined place.
- Voice support through phone gives direct contact for cover and claims questions.
Cons
- Cover stays within health and travel, so needs beyond health and travel call for another provider.
- Support runs on phone only, which limits choice if you prefer written contact.
- As a broker, placement depends on partner underwriters rather than direct underwriting.
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
MyPhysicianPlan
Who it suits
- Travellers who want health and travel focus with phone guidance through cover choices.
- Mature travellers who value extended age eligibility and steady monthly budgeting.
Who should look elsewhere
- If you want motor or home cover, consider AXA instead, since MyPhysicianPlan stays within health and travel.
- If you want written service channels, consider die Bayerische instead, since MyPhysicianPlan support runs by phone only.
Country by country
| Country | HanseMerkur Reiseversicherung AT | MyPhysicianPlan |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| United States | No | Yes |
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.
MyPhysicianPlan
What does MyPhysicianPlan cost to start?+
Premium starts at $75 for MyPhysicianPlan cover. Monthly payments are available, so you can spread the cost across the year rather than paying in a lump sum. Exact pricing will depend on your age, cover choice and traveller profile.
Which insurance types does MyPhysicianPlan offer?+
MyPhysicianPlan focuses on health and travel for members and travellers. That means you look here for medical style protection and trip related needs, not for motor, home or pet cover. If you need wider lines, compare a broader provider alongside.
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