Updated September 29, 2026 · AssureCue Editorial Team
MoneyHero vs WAS Insurance
What sets them apart
| Compare |  MoneyHero |  WAS Insurance |
|---|---|---|
| Insurance types | Travel, Auto, Home, Pet, Life, Critical illness, HealthCovers more | Travel, Pet |
| Provider type | Comparison site | Broker |
| Excess from | HK$2,500 | A$100 |
| Cover limit | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) | Unlimited medical |
| Age range | No upper age limit on single-trip travel plans | 18-99 |
| Premium from | HK$89.49 | Not confirmed |
| Claims channels | Not confirmed | Phone, Email, Online |
Same on both: Monthly payments (Yes).
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Key differences
- WAS Insurance scores higher overall: 8.9 vs 8.8.
- Insurance types: only MoneyHero offers Auto, Home, Life.
- Support channels: only MoneyHero offers Help centre, Chat.
Our verdict on each
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
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 | MoneyHero | WAS Insurance |
|---|---|---|
| Cost | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. | 9.0HigherPet claims carry excess of AUD 100 per claim. |
| Offer | 9.7Higher | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 8.3 | 8.8HigherWiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Availability and regulation
| Country | MoneyHero | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Hong Kong | Not confirmed |
Additional countries for MoneyHero: 1. Additional countries for WAS Insurance: 1.
Which one suits you
Pick MoneyHero if offer and insurance types matter most.
Pick WAS Insurance if cost and trust matter most.
Side by side, item by item
| Insurance types | MoneyHero | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Critical illness | Yes | No |
Where these facts come from
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
How they place
| Ranking | MoneyHero | WAS Insurance |
|---|---|---|
| Travel insurance | 34 of 291 | 32 of 291 |
| Pet insurance | 13 of 161 | 12 of 161 |
Every fact side by side
| Fact | MoneyHero | WAS Insurance |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) | Wiseandsilent Pty Ltd |
| Headquarters | Hong Kong | Australia |
| Founded | 2013 | Not confirmed |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Phone |
Where each stands against the rest
| Fact | MoneyHero | WAS Insurance | Median |
|---|---|---|---|
| Premium from | HK$89.49at the median | Not confirmed | HK$89.49 |
Median across 5 listed insurance providers.
Pros and cons
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
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
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
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.
Current offers
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | MoneyHero | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Hong Kong | Yes | No |
Questions about each
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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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