Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Mutual of Omaha
What sets them apart
| Compare |  Barmenia |  Mutual of Omaha |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Life, Health, Dental, Critical illness, Income protection |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | $10,000 to $100,000 |
| Claims channels | Online claims form, Phone, Email, Customer portal | Phone, Online portal, Agent |
| Age range | Any age (dog surgery cover) | 18-64 |
| Premium from | €2.40 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | €250 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at Barmenia: 1904 vs 1909.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only Mutual of Omaha offers Online portal, Agent.
- Support channels: only Barmenia offers Email.
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).
Mutual of Omaha
Mutual of Omaha is a long established US insurer that suits people who want their personal cover held by a single provider, from life and health policies to dental, critical illness and income protection. The company dates back to 1909, and its critical illness cover is written for sums of $10,000 to $100,000.
Score breakdown
| Area | Barmenia | Mutual of Omaha |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | Not confirmed |
| Offer | 9.6Higher | 8.9 |
| Trust | 9.7 | 9.7 |
Side by side, item by item
| Insurance types | Barmenia | Mutual of Omaha |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Critical illness | Yes | Yes |
| Income protection | Yes | Yes |
| Home emergency | Yes | No |
Where these facts come from
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
Mutual of Omaha
- mutualofomaha.com: 9 facts, checked September 26, 2026
How they place
| Ranking | Barmenia | Mutual of Omaha |
|---|---|---|
| Life insurance | 45 of 261 | 55 of 261 |
| Health insurance | 43 of 215 | 53 of 215 |
| Income protection insurance | 12 of 92 | 17 of 92 |
| Critical illness cover | 12 of 65 | 15 of 65 |
| Dental insurance | 17 of 50 | 19 of 50 |
Every fact side by side
| Fact | Barmenia | Mutual of Omaha |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Barmenia Versicherungen a. G. | Mutual of Omaha Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1904Lower | 1909 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Barmenia | Mutual of Omaha | 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.
Mutual of Omaha
Pros
- A single insurer holds the personal lines: life, health and dental.
- Claims can be raised by phone, online portal and agent, so a claim does not depend on a single route.
- The contracting company is named as Mutual of Omaha Insurance Company, based in the United States and founded in 1909.
Cons
- The critical illness product pays $10,000 to $100,000, and the entry age range is 18-64, which narrows who can buy it.
- Support runs on phone and help centre only, with no chat route among them.
- The written lines are life, health and dental, so there is no property, travel or pet cover here.
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.
Mutual of Omaha
Who it suits
- Adults buying several kinds of personal cover from Mutual of Omaha Insurance Company rather than from separate providers.
- People who prefer an agent or a phone line, since claims can go through phone, online portal and agent.
- Buyers adding a critical illness lump sum of $10,000 to $100,000 alongside life or income protection.
Who should look elsewhere
- Linxea, if you only want life cover, since Linxea lists life.
- Oney Préstamos ES, if gadget cover is on your list, because health, life and gadget includes it.
- Good Sam Insurance Agency, if you want home, travel, pet or auto lines too, given auto, home and renters.
Country by country
| Country | Barmenia | Mutual of Omaha |
|---|---|---|
| Germany | Yes | No |
| United States | No | 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.
Mutual of Omaha
What kinds of insurance does Mutual of Omaha offer?+
Mutual of Omaha is an insurer that writes a spread of personal protection. Its lines are life, health and dental, so life, health, dental, critical illness and income protection all sit inside a single provider rather than being split across separate companies.
Who regulates Mutual of Omaha?+
Policies come from Mutual of Omaha Insurance Company, the named legal entity on the product pages, and the company is headquartered in the United States. Its stated regulator is the Nebraska Insurance Department, which licenses insurers in the US, and the provider type is insurer.