Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs TIPINSURE
Barmenia vs TIPINSURE: the differences
| Compare |  Barmenia |  TIPINSURE |
|---|---|---|
| Premium from | €2.40 | THB 699 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | 500,000 THB |
| Claims channels | Online claims form, Phone, Email, Customer portal | Phone, App, Online |
| Age range | Any age (dog surgery cover) | 20-60, renewable to 64 |
| Excess from | €250 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.3.
- Founded is lower at Barmenia: 1904 vs 1951.
- Insurance types: only Barmenia offers Renters, Life, Dental.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only TIPINSURE offers App, Online.
- Support channels: only Barmenia offers Email.
- Support channels: only TIPINSURE offers Chat.
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).
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | Barmenia | TIPINSURE |
|---|---|---|
| Cost | 9.0HigherPremium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 9.6Higher | 9.3 |
| Trust | 9.7Higher | 9.6 |
How they place
| Ranking | Barmenia | TIPINSURE |
|---|---|---|
| Car insurance | 67 of 393 | 12 of 393 |
| Home insurance | 51 of 272 | 11 of 272 |
| Life insurance | 45 of 261 | 9 of 261 |
| Health insurance | 42 of 215 | 12 of 215 |
| Travel insurance | 76 of 291 | 16 of 291 |
| Pet insurance | 36 of 161 | 8 of 161 |
| Motorbike insurance | 26 of 120 | 8 of 120 |
| Critical illness cover | 12 of 65 | 2 of 65 |
What each covers
| Insurance types | Barmenia | TIPINSURE |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Critical illness | Yes | Yes |
| Income protection | Yes | No |
| Home emergency | Yes | No |
Where these facts come from
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Barmenia | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | TIPINSURE Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1904Lower | 1951 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Barmenia | TIPINSURE | Median |
|---|---|---|---|
| Excess from | €250highest quarter | Not confirmed | €70 |
Median across 68 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.
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
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.
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
Current offers
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | Barmenia | TIPINSURE |
|---|---|---|
| Germany | Yes | No |
| Thailand | 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.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
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