Updated September 28, 2026 · AssureCue Editorial Team
APRIL International vs Barmenia
Where APRIL International and Barmenia differ
| Compare |  APRIL International |  Barmenia |
|---|---|---|
| Premium from | €12 | €2.40Lower |
| Insurance types | Health, Travel | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more |
| Excess from | €50Lower | €250 |
| Cover limit | Up to EUR/USD 300,000 medical expenses (Premium travel plan); EUR/USD 150,000 (Essential and Prestige) | Unlimited annual maximum benefit (pet surgery cover) |
| Claims channels | Easy Claim mobile app, Telephone, E mail, WhatsApp, Direct billing to healthcare provider | Online claims form, Phone, Email, Customer portal |
| Age range | Not confirmed | Any age (dog surgery cover) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.3.
- APRIL International is available in 9 more countries.
- Premium from is lower at Barmenia: €2.40 vs €12.
- Excess from is lower at APRIL International: €50 vs €250.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Claims channels: only APRIL International offers Easy Claim mobile app, Telephone, E mail.
- Claims channels: only Barmenia offers Online claims form, Phone, Email.
- Support channels: only APRIL International offers Chat.
Our verdict on each
APRIL International
APRIL International is an insurer built for expats who want health and travel cover handled through one account, with monthly payments and direct billing to healthcare providers. Premiums start at €12 on its travel plans, and support runs on email, chat and phone.
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
Score breakdown
| Area | APRIL International | Barmenia |
|---|---|---|
| Cost | 8.9Premium from €12 against a site median of €8.37, plus an excess starting at €50 on travel plans. | 9.0HigherPremium starts at €2.40 against a site median of €8.37, ranking 55 of 252. |
| Offer | 9.4 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
How they place
| Ranking | APRIL International | Barmenia |
|---|---|---|
| Health insurance | 61 of 216 | 43 of 216 |
| Travel insurance | 98 of 295 | 83 of 295 |
| Business insurance | 51 of 147 | 40 of 147 |
Side by side, item by item
| Insurance types | APRIL International | Barmenia |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Critical illness | No | Yes |
| Income protection | No | Yes |
| Home emergency | No | Yes |
Also worth a look
KS/AUXILIA has excess from at €0, against €50 for APRIL International and €250 for Barmenia.
KS/AUXILIA reviewEvery fact side by side
| Fact | APRIL International | Barmenia |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | APRIL International Care France | Barmenia Versicherungen a. G. |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1904 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | APRIL International | Barmenia | Median |
|---|---|---|---|
| Premium from | €12above the median | €2.40lowest quarter | €6.02 |
| Excess from | €50at the median | €250highest quarter | €50 |
Median across 116 listed insurance providers.
Pros and cons
APRIL International
Pros
- Health and travel sit in the same account, matching the expat audience on expats.
- Monthly payments are available, so cover can be paid as monthly rather than in one go.
- Claims run through Easy Claim mobile app, telephone and e mail, including direct billing to a healthcare provider.
Cons
- The excess starts at €50, so small medical claims still come with a cost to the policyholder.
- Cover limit differs by plan: medical expenses run to a higher ceiling on the Premium travel plan and a lower one on Essential and Prestige.
- Insurance types are limited to health and travel, so there is no motor, home or life cover to add to the account.
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
Who each suits
APRIL International
Who it suits
- Expats who want one insurer for health and travel rather than separate policies.
- Travellers who value direct billing to a healthcare provider over paying and reclaiming.
- Anyone who prefers paying for cover monthly rather than in a single payment.
Who should look elsewhere
- People wanting home, motor or life cover, since health and travel is the full list.
- Anyone unwilling to pay an excess, because the minimum on travel plans is €50.
- Buyers wanting the cheapest entry price, since premiums start above the site median of €8.37.
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
Country by country
| Country | APRIL International | Barmenia |
|---|---|---|
| China | Yes | No |
| France | Yes | No |
| Germany | No | Yes |
| Hong Kong | Yes | No |
| Indonesia | Yes | No |
| Philippines | Yes | No |
| Singapore | Yes | No |
| Thailand | Yes | No |
8 of 11 countries where either is available.
Questions about each
APRIL International
What does APRIL International cost to start?+
Premium from €12 on the travel plans listed. That sits above the site median of €8.37 for premium from, and the excess starts at €50, so the first bill is not the whole cost of a claim.
Can I pay for cover monthly?+
Yes. Monthly payments are available, and the model on monthly means cover can be paid in monthly instalments rather than one annual sum. This matters for anyone moving country and settling costs over time.
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
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