Updated September 28, 2026 · AssureCue Editorial Team

HanseMerkur Reiseversicherung AT vs TIPINSURE

HanseMerkur Reiseversicherung AT scores 9.4 and TIPINSURE 9.3 out of 10. Compare their differences and shared features below.

HanseMerkur Reiseversicherung AT

9.4/10

Facts checked September 26, 2026.

TIPINSURE

9.3/10

Facts checked September 26, 2026.

HanseMerkur Reiseversicherung AT vs TIPINSURE: the differences

HanseMerkur Reiseversicherung AT vs TIPINSURE
Compare
HanseMerkur Reiseversicherung ATHanseMerkur Reiseversicherung AT
ReviewVisitVisit
TIPINSURETIPINSURE
ReviewVisitVisit
Premium from€1.50THB 699
Insurance typesTravel, Pet, GadgetAuto, Home, Travel, Health, Pet, Motorcycle, Critical illness
Cover limit300,000 EUR for inpatient treatment abroad500,000 THB
Claims channelsOnline form, PhonePhone, App, Online
Age rangeup to 65 years of age20-60, renewable to 64
Monthly paymentsNot confirmedYes

Same on both: Provider type (Insurer).

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Key differences

  • HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.3.
  • Founded is lower at TIPINSURE: 1951 vs 1977.
  • HanseMerkur Reiseversicherung AT is available in 1 more country.
  • Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
  • Insurance types: only TIPINSURE offers Auto, Home, Health.
  • Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
  • Claims channels: only TIPINSURE offers App, Online.
  • Support channels: only HanseMerkur Reiseversicherung AT offers Email.
  • Support channels: only TIPINSURE 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

TIPINSURE

TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.

Read the full TIPINSURE review

Score breakdown

HanseMerkur Reiseversicherung AT vs TIPINSURE
AreaHanseMerkur Reiseversicherung ATTIPINSURE
Cost9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site.8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252.
Offer8.89.3Higher
Trust9.59.6Higher

Positions in our rankings

HanseMerkur Reiseversicherung AT vs TIPINSURE
RankingHanseMerkur Reiseversicherung ATTIPINSURE
Travel insurance2 of 29116 of 291
Pet insurance1 of 1618 of 161

Choosing between them

Pick HanseMerkur Reiseversicherung AT if cost matter most.

Pick TIPINSURE if offer matter most.

Where each is licensed and available

HanseMerkur Reiseversicherung AT vs TIPINSURE
CountryHanseMerkur Reiseversicherung ATTIPINSURE
AustriaNot confirmed
GermanyNot confirmed

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

What each covers

HanseMerkur Reiseversicherung AT vs TIPINSURE
Insurance typesHanseMerkur Reiseversicherung ATTIPINSURE
AutoNoYes
HomeNoYes
HealthNoYes
TravelYesYes
PetYesYes
MotorcycleNoYes
Critical illnessNoYes
GadgetYesNo

Every fact side by side

HanseMerkur Reiseversicherung AT vs TIPINSURE
FactHanseMerkur Reiseversicherung ATTIPINSURE
Pricing modelNot confirmedMonthly
Legal entityHanseMerkur Reiseversicherung AGTIPINSURE Public Company Limited
HeadquartersGermanyThailand
Founded19771951Lower
Support channelsPhone, Email, Help centrePhone, Chat, 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.

TIPINSURE

Pros

  • Monthly payments are available, so cover is paid for as the policy runs
  • Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
  • Claims can be started by phone, in the app or online

Cons

  • The starting premium of THB 699 sits far above the site median of €8.37
  • Support runs on phone, chat and help centre only, with no email listed
  • Critical illness cover is capped at 500,000 THB

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

TIPINSURE

Who it suits

  • Households wanting a single monthly policy for motor, home and health cover
  • Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
  • Motorcycle and pet owners who want cover from the same insurer

Who should look elsewhere

  • Good Sam Insurance Agency, if you need life and renters cover in the same policy
  • Euroasia Insurance, if a lower starting premium matters most
  • bunq, if you are comparing banking accounts rather than insurance

Current offers

TIPINSURE

Current offer

  • Bonus

    TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht

    Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years

    Source, checked September 26, 2026

Country by country

HanseMerkur Reiseversicherung AT vs TIPINSURE
CountryHanseMerkur Reiseversicherung ATTIPINSURE
AustriaYesNo
GermanyYesNo
ThailandNoYes

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.

TIPINSURE

What does TIPINSURE cost to start?+

The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.

How do I pay for cover?+

TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.

Other options to compare

Other matchups

HanseMerkur Reiseversicherung AT

HanseMerkur Reiseversicherung AT

Higher score in this comparison

9.4/10Visit

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