Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur vs WAS Insurance
Where HanseMerkur and WAS Insurance differ
| Compare |  HanseMerkur |  WAS Insurance |
|---|---|---|
| Insurance types | Auto, Dental, Health, Pet, TravelCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Excess from | €150 | A$100 |
| Claims channels | Online | Phone, Email, OnlineCovers more |
| Premium from | €3.36 | Not confirmed |
| Cover limit | Not confirmed | Unlimited medical |
| Age range | Not confirmed | 18-99 |
Same on both: Monthly payments (Yes).
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Key differences
- HanseMerkur scores higher overall: 9.3 vs 8.9.
- Insurance types: only HanseMerkur offers Auto, Dental, Health.
- Claims channels: only WAS Insurance offers Phone, Email.
- Support channels: only HanseMerkur offers Help centre.
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.
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 | WAS Insurance |
|---|---|---|
| Cost | 9.0Listed premium sits at €3.36 with monthly payments available. | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 8.8Cover spans auto, dental and health with claims through online. | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 9.8HigherDirect placement as insurer with support through email, help centre and phone. | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
What each covers
| Insurance types | HanseMerkur | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Dental | Yes | No |
Licences and countries
| Country | HanseMerkur | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Germany | Not confirmed |
Additional countries for HanseMerkur: 1. Additional countries for WAS Insurance: 1.
How they place
| Ranking | HanseMerkur | WAS Insurance |
|---|---|---|
| Travel insurance | 3 of 291 | 32 of 291 |
| Pet insurance | 2 of 161 | 12 of 161 |
Every fact side by side
| Fact | HanseMerkur | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | HanseMerkur Krankenversicherung auf Gegenseitigkeit | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Founded | 1875 | Not confirmed |
| Support channels | Email, Help centre, PhoneCovers more | Email, Phone |
Where each stands against the rest
| Fact | HanseMerkur | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €3.36below the median | Not confirmed | €5.97 |
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.
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
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.
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 | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Germany | Yes | No |
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.
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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