Updated September 28, 2026 · AssureCue Editorial Team

HanseMerkur Reiseversicherung AT vs Porto Seguro

HanseMerkur Reiseversicherung AT scores 9.4 and Porto Seguro 9.5 out of 10. Compare their differences and shared features below.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

Porto Seguro

9.5/10

Facts checked September 26, 2026.

HanseMerkur Reiseversicherung AT vs Porto Seguro: the differences

HanseMerkur Reiseversicherung AT vs Porto Seguro
Compare
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
Porto SeguroPorto Seguro
ReviewSee alternativesSee alternatives
Premium from€1.50R$19.90
Insurance typesTravel, Pet, GadgetAuto, Home, Life, Health, Travel, Pet, Motorcycle, GadgetCovers more
Claims channelsOnline form, PhoneMobile app, Whatsapp, Phone, Email
Age rangeup to 65 years of agePolicy holder over 18 for phone insurance (Seguro Celular)
Monthly paymentsNot confirmedYes
Cover limit300,000 EUR for inpatient treatment abroadNot confirmed

Same on both: Provider type (Insurer).

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

  • Porto Seguro scores higher overall: 9.5 vs 9.4.
  • Founded is lower at Porto Seguro: 1945 vs 1977.
  • HanseMerkur Reiseversicherung AT is licensed in 1 more country.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only Porto Seguro offers Auto, Home, Life.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only Porto Seguro offers Mobile app, Whatsapp, Email.
  • Support channels: only Porto Seguro 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

Porto Seguro

Porto Seguro suits Brazilian households and small companies that want a single insurer across car, home, life, health, travel, pet, motorcycle and gadget cover, all on monthly payments. It scores 7.3 overall, and the pricing runs monthly so household budgeting stays predictable.

Read the full Porto Seguro review

Score breakdown

HanseMerkur Reiseversicherung AT vs Porto Seguro
AreaHanseMerkur Reiseversicherung ATPorto Seguro
Cost9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.9.3Starting premium is BRL 19.90, the site median is €8.37, and Porto ranks 67 of 252 brands on it.
Offer8.89.7Higher
Trust9.59.6Higher

Feature by feature

HanseMerkur Reiseversicherung AT vs Porto Seguro
Insurance typesHanseMerkur Reiseversicherung ATPorto Seguro
AutoNoYes
HomeNoYes
LifeNoYes
HealthNoYes
TravelYesYes
PetYesYes
MotorcycleNoYes
GadgetYesYes

What we checked

HanseMerkur Reiseversicherung AT

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

Porto Seguro

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

How they place

HanseMerkur Reiseversicherung AT vs Porto Seguro
RankingHanseMerkur Reiseversicherung ATPorto Seguro
Travel insurance2 of 29579 of 295
Pet insurance1 of 16736 of 167

Every fact side by side

HanseMerkur Reiseversicherung AT vs Porto Seguro
FactHanseMerkur Reiseversicherung ATPorto Seguro
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGPorto Seguro Cia. de Seguros Gerais
HeadquartersGermanyBrazil
Founded19771945Lower
Support channelsPhone, Email, Help centrePhone, Chat, Help centre, EmailCovers more

Business insurance

HanseMerkur Reiseversicherung AT vs Porto Seguro
FactHanseMerkur Reiseversicherung ATPorto Seguro
Cover typesNot confirmedPublic liability, Property
IndustriesNot confirmedtransport, agribusiness, events, rental

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.

Porto Seguro

Pros

  • A single insurer covers auto, home and life, so a household can keep its personal policies with one provider.
  • Claims open through mobile app, whatsapp and phone, which gives more routes into a claim than a phone line alone.
  • Support runs on phone, chat and help centre, so policy questions go to a phone line, a chat window, a help centre or email.

Cons

  • Business cover stops at public liability and property, so a company after cyber or professional indemnity lines has to look elsewhere.
  • Pricing is monthly only, per monthly, so there is no annual route that could bring the cost down.
  • Phone insurance is limited to adult policy holders, so a younger person cannot take that policy out in their own name.

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

Porto Seguro

Who it suits

  • Households that want auto, home and life from a single Brazilian insurer, and do not need the renters policies Good Sam Insurance Agency lists in auto, home and renters.
  • Motorcycle riders and gadget owners: both sit inside auto, home and life, while the list at Good Sam Insurance Agency (auto, home and renters) runs to motorcycle without gadget cover.
  • Small companies in transport, agribusiness, events, rental that need public liability and property, lines that sit outside the personal list at Good Sam Insurance Agency (auto, home and renters).

Who should look elsewhere

  • Renters, because that cover sits with Good Sam Insurance Agency in auto, home and renters rather than in auto, home and life.
  • Readers chasing a free starting premium, since bunq's is €0.
  • Businesses after cyber or professional indemnity cover, since public liability and property reaches public liability and property only. A second quote is worth taking, for example from EuroAsia Insurance, whose starting premium is UZS 60,000.

Current offers

Porto Seguro

Current offer

  • Discount code

    Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)

    Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions

    Source, checked September 26, 2026

  • Discount code

    Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest

    Contract online with the Porto Bank credit card

    Source, checked September 26, 2026

  • Discount code

    Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)

    5% applies to Porto customers, 5% to payment with the Porto card; see page conditions

    Source, checked September 26, 2026

  • Discount code

    Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)

    Monthly payment billed to the Cartão Porto Bank; annual option 10% off

    Source, checked September 26, 2026

  • Bonus

    Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026

    Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs Porto Seguro
CountryHanseMerkur Reiseversicherung ATPorto Seguro
AustriaYesNo
BrazilNoYes
GermanyYesNo

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.

Porto Seguro

How much does Porto Seguro cost to start?+

Porto Seguro lists a starting premium of BRL 19.90, and monthly payments are available so the cost is spread across the year rather than paid as a lump sum. The listed pricing model is monthly, so budgeting follows a regular cycle. That figure sits at the entry point of the range rather than covering every level of cover.

Is Porto Seguro an insurer or a broker?+

It is an insurer, and the legal entity behind the policies is Porto Seguro Cia. de Seguros Gerais. That distinction matters for readers weighing where money rests, because an insurer holds the premium and carries the risk itself rather than handing it to another provider. Policies are written with the same company that would pay the claim.

Other options to compare

Other matchups

Porto Seguro

Porto Seguro

Higher score in this comparison

9.5/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings