Updated September 30, 2026 · AssureCue Editorial Team
HanseMerkur vs TravelSecure
Where HanseMerkur and TravelSecure differ
| Compare |  HanseMerkur |  TravelSecure |
|---|---|---|
| Premium from | €3.36Lower | €5 |
| Insurance types | Auto, Dental, Health, Pet, TravelCovers more | Travel |
| Monthly payments | YesHas it | No |
| Excess from | €150 | €25Lower |
| Claims channels | Online | Online, EmailCovers more |
Same on both: Provider type (Insurer).
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Key differences
- HanseMerkur scores higher overall: 9.3 vs 9.0.
- Premium from is lower at HanseMerkur: €3.36 vs €5.
- Monthly payments: only HanseMerkur.
- Excess from is lower at TravelSecure: €25 vs €150.
- Insurance types: only HanseMerkur offers Auto, Dental, Health.
- Claims channels: only TravelSecure offers Email.
Our verdict on each
HanseMerkur
HanseMerkur suits households seeking cover for auto, dental, health, pet and travel under direct insurer management with monthly payments available, while listed premiums sit at €3.36 with excess at €150. Support spans email, help centre and phone and claims run through online for straightforward administration.
TravelSecure
TravelSecure suits seniors planning travel cover through an insurer structure with direct underwriting and phone based help. Premiums start at €5 with excess at €25 and Monthly payments unavailable, so you pay per trip or per term in full before you travel.
Score breakdown
| Area | HanseMerkur | TravelSecure |
|---|---|---|
| Cost | 9.0HigherListed premium sits at €3.36 with monthly payments available. | 8.8Starting premiums at €5 keep entry costs modest for travel cover. |
| Offer | 8.8HigherCover spans auto, dental and health with claims through online. | 8.4Focused travel cover through insurer keeps the offer narrow and clear. |
| Trust | 9.8HigherDirect placement as insurer with support through email, help centre and phone. | 9.6Direct insurer status through insurer supports trust in claims handling. |
Also worth a look
KS/AUXILIA has excess from at €0, against €150 for HanseMerkur and €25 for TravelSecure.
KS/AUXILIA reviewSources behind this comparison
HanseMerkur
- hansemerkur.de: 11 facts, checked September 28, 2026
TravelSecure
- travelsecure.de: 7 facts, checked September 29, 2026
How they place
| Ranking | HanseMerkur | TravelSecure |
|---|---|---|
| Travel insurance | 3 of 291 | 6 of 291 |
Every fact side by side
| Fact | HanseMerkur | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | HanseMerkur Krankenversicherung auf Gegenseitigkeit | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1875 | Not confirmed |
| Support channels | Email, Help centre, Phone | Not confirmed |
Where each stands against the rest
| Fact | HanseMerkur | TravelSecure | Median |
|---|---|---|---|
| Premium from | €3.36below the median | €5below the median | €5.97 |
| Excess from | €150above the median | €25below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
HanseMerkur
Pros
- Operates as insurer, so cover, servicing and claims sit under direct management.
- Lists cover across auto, dental and health, including auto, health, travel, pet and dental in a single portfolio.
- Monthly payments are available, with billing model shown as monthly for budgeting flexibility.
Cons
- Excess sits at €150, which adds upfront cost on eligible claims.
- Claims run through online only, which limits how claims can be started.
- Support runs through email, help centre and phone only, without live chat for urgent queries.
TravelSecure
Pros
- Premiums start at €5, which keeps entry pricing accessible for travel cover.
- Excess starts at €25, giving a clear retention figure before you commit.
- Insurer status through insurer keeps underwriting and claims under the same carrier.
Cons
- Monthly payments are unavailable, so you cannot spread costs across the term.
- Cover centres on travel, so you cannot bundle other household risks in the same place.
- Support runs on phone and help centre only, so you cannot use live chat or email for help.
Who each suits
HanseMerkur
Who it suits
- Households seeking several personal lines together, with cover across auto, dental and health.
- Readers who value direct insurer management, as HanseMerkur operates as insurer.
- Budget planners wanting instalments, since monthly payments are available under monthly.
Who should look elsewhere
- Readers wanting live chat support may prefer checking andsafe, since HanseMerkur support runs through email, help centre and phone only.
- Readers seeking cover outside auto, dental, health, pet and travel may look at Hiscox, as HanseMerkur lists auto, dental and health.
TravelSecure
Who it suits
- Seniors who want dedicated travel cover with phone support and clear starting premiums.
- Travellers who prefer an insurer model and are comfortable paying the term in full.
Who should look elsewhere
- Travellers who want to spread costs should consider AXA, as Monthly payments are unavailable with TravelSecure.
- Travellers who want intermediary choice should consider Explorer Travel Insurance, as TravelSecure acts as an insurer rather than a broker.
Country by country
| Country | HanseMerkur | TravelSecure |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
HanseMerkur
What is the starting premium at HanseMerkur?+
Listed premium for HanseMerkur sits at €3.36. Actual pricing varies by cover type, excess selected, personal details and underwriting terms, so readers should obtain a tailored quote for auto, health, travel, pet or dental cover before comparing.
What excess applies to HanseMerkur cover?+
Excess at HanseMerkur sits at €150. The excess shapes claim costs because policyholders meet that share before insurer payment applies. Readers should check which claims carry excess, whether options differ by product and how excess affects renewal pricing.
TravelSecure
What does TravelSecure travel cover cost to start?+
Premiums start at €5 for travel cover, with excess at €25. Monthly payments are unavailable, so you pay for the selected term in full. Check the chosen tariff before you commit, as the payable amount varies with trip length and options.
How does the excess work on a claim?+
Excess starts at €25 on the relevant travel tariff. You carry that share of each valid claim, while the insurer carries the balance under the terms. Review the excess that applies to cancellation, medical and baggage sections before you buy.
Other options to compare
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