Updated September 28, 2026 · AssureCue Editorial Team
HanseMerkur Reiseversicherung AT vs Nationwide
HanseMerkur Reiseversicherung AT vs Nationwide: the differences
| Compare |  HanseMerkur Reiseversicherung AT | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | €1.50 | $35 |
| Insurance types | Travel, Pet, Gadget | Auto, Home, Renters, Life, Motorcycle, Pet |
| Cover limit | 300,000 EUR for inpatient treatment abroad | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Online form, PhoneCovers more | Phone |
| Monthly payments | Not confirmed | Yes |
| Age range | up to 65 years of age | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.1.
- Founded is lower at Nationwide: 1925 vs 1977.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Travel, Gadget.
- Insurance types: only Nationwide offers Auto, Home, Renters.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only HanseMerkur Reiseversicherung AT offers Email.
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.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | Nationwide |
|---|---|---|
| Cost | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. | 8.8 |
| Offer | 8.8Higher | 8.7 |
| Trust | 9.5 | 9.6Higher |
Availability and regulation
| Country | HanseMerkur Reiseversicherung AT | Nationwide |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for Nationwide: 1.
How they place
| Ranking | HanseMerkur Reiseversicherung AT | Nationwide |
|---|---|---|
| Pet insurance | 1 of 163 | 12 of 163 |
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | Nationwide |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Nationwide Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1977 | 1925Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
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.
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
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
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
Country by country
| Country | HanseMerkur Reiseversicherung AT | Nationwide |
|---|---|---|
| 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.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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