Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs Lemonade
What sets them apart
| Compare |  Getsafe |  Lemonade |
|---|---|---|
| Premium from | €2.90 | $5 |
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Auto, Home, Renters, Life, Pet |
| Provider type | Broker | Insurer |
| Cover limit | Up to 4x the official German vet fee rate | Up to $100,000,000 |
| Claims channels | App, Phone, Chat | App, Phone, Email |
| Excess from | €0 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Lemonade scores higher overall: 9.2 vs 9.1.
- Lemonade is available in 3 more countries.
- Insurance types: only Getsafe offers Dental, Health, Travel.
- Insurance types: only Lemonade offers Auto, Renters.
- Claims channels: only Getsafe offers Chat.
- Claims channels: only Lemonade offers Email.
Our verdict on each
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Score breakdown
| Area | Getsafe | Lemonade |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. | 9.2Premiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 9.5Higher | 9.4 |
| Trust | 8.6 | 8.9Higher |
Availability and regulation
| Country | Getsafe | Lemonade |
|---|---|---|
| Germany | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 | Not confirmed |
Available in 1 country for both. Additional countries for Getsafe: 1. Additional countries for Lemonade: 4.
Feature by feature
| Insurance types | Getsafe | Lemonade |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
Sources behind this comparison
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
Lemonade
- lemonade.com: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Getsafe | Lemonade |
|---|---|---|
| Home insurance | 18 of 272 | 15 of 272 |
| Life insurance | 14 of 261 | 10 of 261 |
| Pet insurance | 11 of 161 | 10 of 161 |
Every fact side by side
| Fact | Getsafe | Lemonade |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Getsafe Digital GmbH | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | 2015 | 2015 |
| Support channels | Email, Phone, Chat, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Getsafe | Lemonade | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €70 |
Median across 68 listed insurance providers.
Pros and cons
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
Who each suits
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Getsafe | Lemonade |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | No | Yes |
| Germany | Yes | Yes |
Questions about each
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
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