Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs Principal
What sets them apart
| Compare |  Getsafe |  Principal |
|---|---|---|
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Dental, Life, Critical illness, Income protection |
| Provider type | Broker | Insurer |
| Cover limit | Up to 4x the official German vet fee rate | Dental annual maximum typically $1,000 to $2,000 per year |
| Claims channels | App, Phone, Chat | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
| Premium from | €2.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | Member, spouse and dependents to age 26 |
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Key differences
- Principal scores higher overall: 9.5 vs 9.1.
- Founded is lower at Principal: 1879 vs 2015.
- Getsafe is available in 1 more country.
- Insurance types: only Getsafe offers Home, Health, Travel.
- Insurance types: only Principal offers Critical illness.
- Claims channels: only Getsafe offers App, Phone, Chat.
- Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
- Support channels: only Getsafe offers Chat.
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.
Principal
Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.
Score breakdown
| Area | Getsafe | Principal |
|---|---|---|
| Cost | 9.4Premiums start at €2.90 with an excess of €0, and monthly is monthly only. | Not confirmed |
| Offer | 9.5Higher | 9.1 |
| Trust | 8.6 | 9.7Higher |
What each covers
| Insurance types | Getsafe | Principal |
|---|---|---|
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Dental | Yes | Yes |
| Critical illness | No | Yes |
| Income protection | Yes | Yes |
Where each is licensed and available
| Country | Getsafe | Principal |
|---|---|---|
| Germany | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 | Not confirmed |
| United States | Not confirmed |
Additional countries for Getsafe: 2. Additional countries for Principal: 1.
Where they rank in our lists
| Ranking | Getsafe | Principal |
|---|---|---|
| Life insurance | 14 of 263 | 41 of 263 |
| Health insurance | 18 of 215 | 38 of 215 |
| Income protection insurance | 4 of 92 | 9 of 92 |
| Dental insurance | 8 of 50 | 14 of 50 |
Sources behind this comparison
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
Principal
- principal.com: 8 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Getsafe | Principal |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Getsafe Digital GmbH | Principal Life Insurance Company |
| Headquarters | Germany | United States |
| Founded | 2015 | 1879Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Getsafe | Principal | Median |
|---|---|---|---|
| Premium from | €2.90below the median | Not confirmed | €5.97 |
| Excess from | €0below the median | Not confirmed | €70 |
Median across 109 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.
Principal
Pros
- Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
- Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- Support runs on phone, email and help centre, so a phone line and a help centre back the plan.
Cons
- Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
- Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
- Support runs on phone, email and help centre only, with no live chat or branch counter listed.
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.
Principal
Who it suits
- Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
- Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- US employees and their families, since the insurer is based in the United States.
Who should look elsewhere
- Linxea, whose list is life, leaves a member who wants dental without a dental line.
- Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
- Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.
Country by country
| Country | Getsafe | Principal |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| United States | No | 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.
Principal
What kinds of cover does Principal write?+
Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.
How much does the dental plan pay out each year?+
The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.
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