Updated September 28, 2026 · AssureCue Editorial Team
HanseMerkur Reiseversicherung AT vs WorldTrips
Where HanseMerkur Reiseversicherung AT and WorldTrips differ
| Compare |  HanseMerkur Reiseversicherung AT |  WorldTrips |
|---|---|---|
| Insurance types | Travel, Pet, GadgetCovers more | Travel |
| Cover limit | 300,000 EUR for inpatient treatment abroad | USD 2,000,000 overall maximum (Atlas Travel) |
| Claims channels | Online form, Phone | Member Portal (DocuSign), Mail, Fax, Email, Phone |
| Age range | up to 65 years of age | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Premium from | €1.50 | Not confirmed |
| Excess from | Not confirmed | $0 to $5,000 |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at HanseMerkur Reiseversicherung AT: 1977 vs 1998.
- 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 Pet, Gadget.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
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.
WorldTrips
WorldTrips is a US insurer that has traded since 1998, built for expats who need medical cover away from home, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan. The trade-off to weigh is the excess, which runs $0 to $5,000 across plans.
Score breakdown
| Area | HanseMerkur Reiseversicherung AT | WorldTrips |
|---|---|---|
| Cost | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. | 9.6Site premiums start from a median of €8.37, and the travel ranking median is €7.93, so pricing sits mid-market. |
| Offer | 8.8 | 9.1Higher |
| Trust | 9.5Higher | 9.4 |
Side by side, item by item
| Insurance types | HanseMerkur Reiseversicherung AT | WorldTrips |
|---|---|---|
| Travel | Yes | Yes |
| Pet | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | HanseMerkur Reiseversicherung AT | WorldTrips |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for HanseMerkur Reiseversicherung AT: 2. Additional countries for WorldTrips: 1.
How they place
| Ranking | HanseMerkur Reiseversicherung AT | WorldTrips |
|---|---|---|
| Travel insurance | 2 of 291 | 12 of 291 |
Every fact side by side
| Fact | HanseMerkur Reiseversicherung AT | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Legal entity | HanseMerkur Reiseversicherung AG | WorldTrips Insurance Services |
| Headquarters | Germany | United States |
| Founded | 1977Lower | 1998 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | HanseMerkur Reiseversicherung AT | WorldTrips | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | Not confirmed | €5.97 |
| Excess from | Not confirmed | $0 to $5,000below the median | $100 |
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.
WorldTrips
Pros
- Built for expats, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan rather than a short trip limit.
- A specialist insurer trading since 1998 and based in the United States.
- Claims can be filed through Member Portal (DocuSign), mail and fax, so a claim does not rest on a single route.
Cons
- The overall ceiling is USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan, so very large medical bills stop at that figure.
- Excess runs $0 to $5,000 across plans, so a claim can leave you funding a share of the bill.
- Support reaches you through email, phone and help centre, with claims handled over Member Portal (DocuSign), mail and fax.
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
WorldTrips
Who it suits
- Expats and long-stay residents abroad whose usual healthcare sits in another country.
- Parents covering a child, since the age rule sets a minimum age and older applicants still qualify, though at a lower policy maximum.
- Travellers who want to start a claim in person, by phone or in writing, through Member Portal (DocuSign), mail and fax.
Who should look elsewhere
- Households wanting auto, home, life or pet cover in the same place: WorldTrips sells travel only, where Good Sam Insurance Agency and bonus.ch list travel with other lines.
- Travellers who need medical sums above the USD 2,000,000 overall maximum (Atlas Travel) ceiling: that is the hard limit on the Atlas Travel plan, so Euroasia Insurance is worth a quote for larger figures.
Current offers
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | HanseMerkur Reiseversicherung AT | WorldTrips |
|---|---|---|
| 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.
WorldTrips
What does WorldTrips actually cover?+
WorldTrips writes travel medical cover aimed at expats. The overall maximum on the Atlas Travel plan is USD 2,000,000 overall maximum (Atlas Travel), so a long hospital stay abroad is covered up to that ceiling rather than to a small trip limit. Exact benefits depend on the plan you pick.
Who is this cover designed for?+
The stated audience is expats, so it suits people whose normal healthcare sits in another country. Family members are covered too: the age rule sets a minimum age for applicants, and older applicants can still buy cover but at a lower policy maximum. Short trips may find the cover broader than needed.
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