Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur Reiseversicherung AT vs WAS Insurance
Where HanseMerkur Reiseversicherung AT and WAS Insurance differ
| Compare |  HanseMerkur Reiseversicherung AT |  WAS Insurance |
|---|---|---|
| Insurance types | Travel, Pet, GadgetCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Cover limit | 300,000 EUR for inpatient treatment abroad | Unlimited medical |
| Claims channels | Online form, Phone | Phone, Email, Online |
| Age range | up to 65 years of age | 18-99 |
| Premium from | €1.50 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | A$100 |
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 8.9.
- 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.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only WAS Insurance offers Email, Online.
- Support channels: only HanseMerkur Reiseversicherung AT offers Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Cost | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 8.8 | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 9.5Higher | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Feature by feature
| Insurance types | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Gadget | Yes | No |
Licences and countries
| Country | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Austria | Not confirmed | |
| Germany | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for WAS Insurance: 1.
How they place
| Ranking | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Travel insurance | 2 of 291 | 32 of 291 |
| Pet insurance | 1 of 161 | 12 of 161 |
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | HanseMerkur Reiseversicherung AG | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Founded | 1977 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | Not confirmed | €5.97 |
| Excess from | Not confirmed | A$100above the median | A$0 |
Median across 109 listed insurance providers.
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.
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
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
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
Country by country
| Country | HanseMerkur Reiseversicherung AT | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Austria | Yes | No |
| Germany | Yes | No |
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.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
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