Barmenia review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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).

Key facts

Best for
Households bundling motor, home, health and pet cover on monthly payments, with a low starting premium.
Premium from
€2.40 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical-illness, Income-protection, Home-emergency (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€250 (Source, checked September 26, 2026)
Cover limit
Unlimited annual maximum benefit (pet surgery cover) (Source, checked September 26, 2026)
Claims channels
Online claims form, Phone, Email, Customer portal (Source, checked September 26, 2026)
Age range
Any age (dog surgery cover) (Source, checked September 26, 2026)
Legal entity
Barmenia Versicherungen a. G. (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1904 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
barmenia.de

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Premium from
€2.40 (Source, checked September 26, 2026)
Excess from
€250 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
Barmenia Versicherungen a. G. (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1904 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataXLinkedInmynewsdesk.com

Pros and cons

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.
  • Pet surgery cover is open to Any age (dog surgery cover) and pays Unlimited annual maximum benefit (pet surgery cover).

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.
Barmenia

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Scored 9.4 / 10 by AssureCue.

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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.

How Barmenia compares

Where Barmenia is available

Available
Germany

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Who stands behind the policy?+

Barmenia is an insurer, Barmenia Versicherungen a. G., so cover is written by the named company rather than sold through a broker. It has traded since 1904 and is based in Germany, with its listed lines aimed at that market.

Can the premium be paid monthly?+

Monthly payments are available, and monthly is the payment model listed for the policy. Claims are then handled through online claims form, phone and email, so the same policy covers both the regular payment and any claim that follows.

Which lines are available?+

The listed lines are auto, home and renters. Motor, home, renters, life, health, travel, pet, motorcycle, dental, critical illness, income protection and home emergency all sit with a single provider, which is broader than a one line insurer.

What does the pet surgery cover include?+

Dog surgery cover accepts Any age (dog surgery cover) and pays Unlimited annual maximum benefit (pet surgery cover). The excess starts at €250, so that comes off the claim first. With no ceiling in the policy, the settled amount follows the veterinary bill.

How do I get help or make a claim?+

General questions are handled by phone, email and help centre. A claim is started by online claims form, phone and email, which adds an online form and a customer portal to phone and email. The portal sits on the claims side rather than the enquiry side.

How does Barmenia compare with the other providers listed?+

Good Sam Insurance Agency covers auto, home and renters but stops short of Barmenia's dental, critical illness and income protection lines, so a household wanting one insurer for everything here has fewer options elsewhere. EuroAsia Insurance quotes from UZS 60,000, a different market from Barmenia's base of DE.

Sources

  • barmenia.de checked September 26, 2026

    Backs: Claims channels, Insurance types, Pricing model, Monthly payments, Premium from

    “For a claim we want to help you quickly and simply. Use our online claim notification or the telephone claim line”

  • barmenia.de/kontakt checked September 26, 2026

    Backs: Headquarters, Support channels

    “Barmenia head offices: Barmenia Versicherungen, Barmenia-Allee 1, 42119 Wuppertal”

  • barmenia.de/deu/bde_privat/bde_produkte_privat/bde_rund_u... checked September 26, 2026

    Backs: Age range, Cover limit, Excess from

    “Our accident surgery insurance costs 16.02 EUR for dogs of any age”

  • barmenia.de/deu/bde_privat/bde_unternehmen/bde_daten_und_... checked September 26, 2026

    Backs: Founded

    “1904 Leipzig: founding of the first predecessor company of today's Barmenia Krankenversicherung AG, 'Gewerbekrankenkasse zu Leipzig'”

  • barmenia.de/deu/bde_privat/bde_unternehmen/bde_daten_und_... checked September 26, 2026

    Backs: Provider type, Legal entity

    “Barmenia Versicherungen counts among the independent insurance groups in Germany. The group includes Barmenia Allgemeine Versicherungs-AG and Barmenia Krankenversicherung AG”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Barmenia

Barmenia

Households bundling motor, home, health and pet cover on monthly payments, with a low starting premium.

9.4/10See alternatives

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