Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Embea Krebsversicherung
Where Barmenia and Embea Krebsversicherung differ
| Compare |  Barmenia |  Embea Krebsversicherung |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Critical illness |
| Provider type | Insurer | Broker |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Up to EUR 150,000 |
| Claims channels | Online claims form, Phone, Email, Customer portal | Online form, Email, Phone |
| Premium from | €2.40 | Not confirmed |
| Excess from | €250 | Not confirmed |
| Age range | Any age (dog surgery cover) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 8.9.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Claims channels: only Barmenia offers Online claims form, Customer portal.
- Claims channels: only Embea Krebsversicherung offers Online form.
Our verdict on each
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).
Embea Krebsversicherung
Embea Krebsversicherung is a German broker built around one product, critical illness cover, paying out Up to EUR 150,000 on a covered diagnosis with premiums collected month by month. It suits readers who want a single lump sum and a manageable monthly bill, rather than shoppers weighing a wide policy range.
Score breakdown
| Area | Barmenia | Embea Krebsversicherung |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.1Higher |
| Offer | 9.6Higher | 8.8 |
| Trust | 9.7Higher | 8.8 |
Side by side, item by item
| Insurance types | Barmenia | Embea Krebsversicherung |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Critical illness | Yes | Yes |
| Income protection | Yes | No |
| Home emergency | Yes | No |
Positions in our rankings
| Ranking | Barmenia | Embea Krebsversicherung |
|---|---|---|
| Life insurance | 50 of 263 | 16 of 263 |
| Critical illness cover | 13 of 65 | 4 of 65 |
Every fact side by side
| Fact | Barmenia | Embea Krebsversicherung |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Embea GmbH |
| Headquarters | Germany | Germany |
| Founded | 1904 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Barmenia | Embea Krebsversicherung | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | Not confirmed | €5.97 |
| Excess from | €250highest quarter | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
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.
Embea Krebsversicherung
Pros
- Monthly payments are available, so the premium is spread across the month rather than settled in one go.
- A covered diagnosis pays out Up to EUR 150,000, a defined sum rather than a share of earnings.
- Claim reporting runs through online form, email and phone, giving more than one way to notify a diagnosis.
Cons
- Critical illness is the only insurance type listed under critical illness, so there is no wider product set to compare.
- Support runs on email, phone and help centre, with no live chat channel in that list.
- The only payment model listed is monthly, so there is no annual option to compare.
Who each suits
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.
Embea Krebsversicherung
Who it suits
- Readers who want one clear payout on a critical illness diagnosis.
- Shoppers who would rather carry a monthly premium than settle the cover in one payment.
- People who prefer to report a claim by phone or email as well as online, listed under online form, email and phone.
Who should look elsewhere
- Linxea, whose life points at life cover rather than a critical illness payout.
- Oney Préstamos ES, whose health, life and gadget runs to health, life and gadget policies.
- Good Sam Insurance Agency, whose auto, home and renters covers auto, home, renters, life, health, travel, pet and motorcycle.
Country by country
| Country | Barmenia | Embea Krebsversicherung |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
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.
Embea Krebsversicherung
How much does Embea Krebsversicherung pay out on a critical illness claim?+
Sums insured are set at Up to EUR 150,000, paid as a lump sum once a covered diagnosis is confirmed. The policy is a single critical illness product rather than a bundle, and the amount chosen sits within that ceiling.
Can the premium be paid monthly?+
Monthly payments are available, and monthly is the payment model listed for the policy. That spreads a critical illness premium across the month instead of asking for the full amount in one payment, which many readers find easier to carry alongside a monthly budget.
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