Barmenia review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Barmenia is a German insurer rather than a bank, which makes it a fit for households bundling home, motor, travel and pet cover into one policy. Entry premiums start at €2.40, monthly payments are available, and support runs on phone, email and help centre.
Key facts
- Best for
- Bundling motor, home, travel and pet cover with monthly payments from one German insurer.
- Premium from
- €2.40↗
- Insurance types
- Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical-illness, Income-protection, Home-emergency↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €250↗
- Cover limit
- Unlimited annual maximum benefit (pet surgery cover)↗
- Claims channels
- Online claims form, Phone, Email, Customer portal↗
- Age range
- Any age (dog surgery cover)↗
- Legal entity
- Barmenia Versicherungen a. G.↗
- Headquarters
- Germany↗
- Founded
- 1904↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- Monthly
- Official website
- barmenia.de
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- WikidataXLinkedInmynewsdesk.com
Pros and cons
Pros
- Low entry price: premiums start at €2.40, below the €25 starting point at Linxea.
- One insurer across auto, home and renters, so several household policies sit together.
- Claims run on online claims form, phone and email, so a claim can start online, by phone, by email or in the customer portal.
- Pet surgery cover carries an Unlimited annual maximum benefit (pet surgery cover).
Cons
- An excess from €250 applies to pet surgery claims, so minor treatments leave part of the bill with you.
- Support runs on phone, email and help centre only, so no live chat option is listed.
- Billing is set at monthly, so the €2.40 entry premium is paid across the year rather than in a single sum.
Who it suits
- Households in Germany who want motor, home, travel and pet policies from a single insurer.
- Pet owners who want surgery cover with an Unlimited annual maximum benefit (pet surgery cover) and a known €250 excess.
- People who prefer paying a premium across the year rather than settling it in one go.
Who should look elsewhere
- Anyone who wants everyday banking rather than cover: bunq's insurance entry price is €0, but it is not the place for motor, home or pet policies.
- Single-product life savers: Linxea's €25 entry point sits on one life product, while Barmenia carries a wide personal lines range.
The company behind it
Barmenia trades as Barmenia Versicherungen a. G., an insurer based in Germany, with DE as its home market. Operating under that name since 1904, it has covered personal lines for a long stretch. Day to day contact runs on phone, email and help centre, so questions can go by phone, by email or through the help centre.
How Barmenia compares
9.4 vs 8.6
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 9.4
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9.4 vs 9.0
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9.4 vs 9.4
9.4 vs 9.2
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.7Linxea's insurance entry is €25, well above €2.40, and concentrates on life cover rather than a full household range.
9.4 vs 9.0
9.4 vs 8.8Its insurance entry price is €0, so it makes sense if a free everyday banking product matters more than a broad insurance range.
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.0
9.4 vs 8.3
9.4 vs 9.5
9.4 vs 9.4
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9.4 vs 9.0
9.4 vs 9.0
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9.4 vs 9.0
9.4 vs 8.9
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9.4 vs 8.9- 9.4 vs 8.6
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9.4 vs 8.3
9.4 vs 8.3
9.4 vs 8.2- 9.4 vs 8.0
Where Barmenia is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How does Barmenia's starting premium compare?+
Entry premiums start at €2.40, below the €8.31 typical starting premium across the market, and well under Linxea's €25 entry point. Prices at that level are entry tiers, not a typical quote.
Is Barmenia a bank or an insurer?+
Barmenia is listed as an insurer, trading as Barmenia Versicherungen a. G., so premiums pay for cover rather than sitting in a savings account. It is based in Germany and has traded under that name since 1904.
What kinds of cover can I buy?+
The range spans auto, home and renters, so one insurer can handle motor, home, travel and pet policies without a broker in between. Pet owners can add surgery cover, and the range also carries dental, critical illness and income protection.
What is the excess on pet cover?+
On dog surgery cover the excess runs from €250 and the annual maximum benefit is unlimited. Dogs of Any age (dog surgery cover) can be covered, so a young pet can be insured from early on rather than after a waiting age.
How do I make a claim?+
Claims run on online claims form, phone and email, so a claim can start online, by phone, by email or inside the customer portal, whichever suits a vet emergency or a home repair. Support for anything else runs on phone, email and help centre.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available and billing is set at monthly, so the €2.40 entry premium can be spread across the year. That is the payment pattern set out on the policies listed.
Which market is Barmenia priced for?+
Barmenia is headquartered in Germany and its published prices come in euro, so it lines up with euro-priced cover rather than sterling products. Support and claims both run on phone, email and help centre and online claims form, phone and email.
Who does Barmenia suit?+
It suits households in DE who want motor, home, travel and pet policies from one insurer and can live with monthly billing. People shopping mainly for a savings or investment product would do better with bunq or Linxea.
Sources
- barmenia.de checked September 26, 2026
Backs: Claims channels, Insurance types, Pricing model, Monthly payments, Premium from
“For a claim we want to help you quickly and simply. Use our online claim notification or the telephone claim line”
- barmenia.de/kontakt checked September 26, 2026
Backs: Headquarters, Support channels
“Barmenia head offices: Barmenia Versicherungen, Barmenia-Allee 1, 42119 Wuppertal”
- barmenia.de/deu/bde_privat/bde_produkte_privat/bde_rund_u... checked September 26, 2026
Backs: Age range, Cover limit, Excess from
“Our accident surgery insurance costs 16.02 EUR for dogs of any age”
- barmenia.de/deu/bde_privat/bde_unternehmen/bde_daten_und_... checked September 26, 2026
Backs: Founded
“1904 Leipzig: founding of the first predecessor company of today's Barmenia Krankenversicherung AG, 'Gewerbekrankenkasse zu Leipzig'”
- barmenia.de/deu/bde_privat/bde_unternehmen/bde_daten_und_... checked September 26, 2026
Backs: Provider type, Legal entity
“Barmenia Versicherungen counts among the independent insurance groups in Germany. The group includes Barmenia Allgemeine Versicherungs-AG and Barmenia Krankenversicherung AG”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Barmenia
Bundling motor, home, travel and pet cover with monthly payments from one German insurer.