Best for: Tech-savvy expats who want the best app experience and AI-powered instant claims
Setup fee
Free
Monthly fee
€5.00
Setup time
Sign up in 90 seconds via app; instant coverage
Languages
EN, DE
Mobile app
Yes (4.7/5)
€3.99/mo
€47.88/year
Who can use Lemonade?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | German address required |
| nationality: eu citizen | Accepted | — |
| visa type: student visa | Accepted | — |
| visa type: language course visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Accepted | Full English |
| credit check: schufa not required | Accepted | No SCHUFA needed |
Lemonade is an AI-powered insurance company from the US, now available in Germany. Known for their fully English, beautifully designed app and AI-powered claims processing that can pay claims in seconds. A favorite among tech-savvy expats.
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Setup: €0 | Monthly: €2.99
English-speaking expats who want the easiest sign-up and fully digital claims
Read reviewSetup: €0 | Monthly: €3.50
Those who want a trusted German insurer with highest coverage and local agent support
Read reviewSetup: €0 | Monthly: €6.92
German-speaking budget hunters who want the absolute lowest premium
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