Feather vs. Getsafe: Which Should You Choose?

This post will help you compare Feather vs Getsafe and find the best coverage for your stay in Germany (even if it’s not ours).

We’ve heard these questions before…

• What is the difference between Feather and Getsafe?
• Which one offers the best policies?
• Why would I choose one over the other?

And these are fair questions. However, we can’t answer them without any bias. 

So, instead of writing a post praising the merits of Feather, we’ll tell you exactly what each company offers, share insights from customers (both ours and Getsafe’s), and compare the policies available.

Who do customers prefer?

When it comes to customer reviews, Feather clearly stands out. 

On Trustpilot, Feather is rated 4.8 out of 5, while Getsafe has a lower rating of 3.1. Looking closer, only 2% of Feather’s reviews are rated 1 star, compared to 26% for Getsafe.

If you dive into the reviews for both companies, you’ll notice customers tend to mention similar things: 

• The apps.
• The customer support.

About the apps

Feather and Getsafe both offer apps to help you manage your policy. 

The main difference is in how you file claims. With Feather’s app, you can file claims for all your policies in one place. 

Getsafe’s app, however, only lets you file claims for a few types of policies. 

This is because Getsafe acts as a broker, so for some insurance types—like private health or disability insurance—you’ll need to file claims and communicate with a separate insurance company.

Also, Getsafe has a unique feature called “Safepoints,” where you can earn points to save on your premium. While it sounds appealing, in our tests, we only managed to save €1.20 after earning 2400 Safepoints—not exactly a game-changer. 

On the other hand, Feather’s app includes an AI-powered recommendation tool that suggests policies based on your lifestyle. Its transparency sets it apart. It doesn’t just push Feather’s products; it also explains which policies aren’t a good fit for you and why.

About the customer support

Customer support is where Getsafe can be unpredictable. 

Looking at recent reviews from October 2024, 17 out of 24 reviewers gave Getsafe 2 stars or less, citing issues with slow responses and unclear communication during the claims process. The remaining 7 reviews were positive, so it’s a mixed bag.

Feather, however, received overwhelmingly positive feedback in that same month, with 19 out of 20 reviews being 5 stars (the last one is 4 stars). Customers highlighted the team’s expertise and professionalism, consistently praising their fast and clear communication.

But don’t just take our word for it. Head to Trustpilot and see what real customers have to say. 

What types of insurance do Feather and Getsafe offer?

Let’s dive into the nitty gritty and see what kind of insurance both companies offer. 

	Feather	Getsafe
Public health insurance	✅	❌
Expat health insurance (aka incoming health insurance)	✅	❌
Travel insurance	✅	❌
Bike insurance	✅	❌
Life insurance	✅	❌
Private health insurance	✅	✅
Dental insurance	✅	✅
Personal liability insurance	✅	✅
Household contents insurance	✅	✅
Disability insurance	✅	✅
Legal insurance	✅	✅
Pension insurance	✅	✅
Dog liability insurance	✅	✅
Pet health insurance	✅	✅
Drone insurance	✅Included in liability insurance	✅

Feather and Getsafe offer a range of insurance products, but Feather has broader coverage options. 

If you value managing all your policies in one place, Feather might be better for you.

What are the differences between Feather’s and Getsafe’s policies?

Insurance is a personal decision, and depending on your needs, you might find one company more suitable than the other. 

Generally speaking, Getsafe’s policies tend to be cheaper, while Feather’s typically offers more comprehensive coverage. Of course, this isn’t always the case, but it’s a quick way to frame the comparison.

Let’s break down a few policies from both companies and see how they stack up to get a clearer idea.

Private health insurance

No matter which company you pick for private health insurance, these key areas will be covered:

• Outpatient costs: Costs for treatments outside hospitals.
• Inpatient costs: Hospital-related costs for stays or surgeries.
• Dental costs: Coverage for dental care and treatments.
• Daily sickness benefit: Payments for each day of illness.
• Daily nursing allowance: Support for nursing or home care needs.
• Travel expenses abroad: Medical costs during travel outside your country.
• Optional benefits: Customizable add-ons to fit specific needs.

Now that you know what’s included, let’s look at the key differences between Feather and Getsafe:

Fixed vs. flexible plans

Feather offers fixed plans—so you’ll know upfront what each plan covers. 

In contrast, Getsafe’s approach requires a consultation to “customize” your plan, meaning selecting an insurance provider on your behalf. They talk through your needs with you, match you with an insurance provider they think is best and then sign you up on your behalf. 

This process can make it hard to know if the chosen plan is genuinely the best fit for you—or if it was selected based on the commission Getsafe earns from a specific company.

Cost

Feather’s website includes cost calculators to give you an idea of your monthly rate based on factors like age or coverage needs. 

With Getsafe, however, you won’t see costs upfront; pricing is only available after a consultation.

You can find out more about both Feather’s private health insurance in our post: 

The best private health insurance companies in Germany.

Dental insurance

Feather’s dental insurance starts at €10.90 per month and covers everything you’d expect:

• Professional dental cleanings
• Preventative treatments
• High-quality fillings
• Etc.

Feather also offers tooth replacement coverage in their higher plan, which can reimburse you up to 100% when getting crowns, veneers, onlays, inlays, and bridges.

With Getsafe, dental insurance coverage also includes fillings and root canal treatments. Teeth replacements are covered in the base plan, but only up to 75%. Like Feather, pre-existing conditions and treatments won’t be part of your coverage. 

Their website states that plans start at €9.38 per month. 

You can find out more about both Feather’s and Getsafe’s dental insurance in our post: 

The best dental insurance companies in Germany.

Here’s a recap of the key information to help you decide between the two:

	Feather	Getsafe
Customisability	2 flexible plans to choose from.	Only 1 plan available.
Waiting period	None.	3 months.
Cancellation policy	1 year contract.	2 years contract.
Dental cleaning	€150 to €200 per year.	€80.00 per year.
Dental treatments	Fully covered.	Fully covered.
Tooth replacement	Included in one plan, covers 80% to 100%.	Covered up to 75%.

Liability insurance

Feather and Getsafe offer personal liability insurance, but each takes a slightly different approach.

Feather’s plan, starting at €4.94 per month, includes a “best performance guarantee,” ensuring you have the highest coverage available on the market. 

Getsafe’s starts at €2.68 per month and covers the essentials, though by saving on price, you’ll have slightly worse coverage.

Here’s a comparison of what’s included with each:

	Feather	Getsafe
Coverage	50 million euros, with an unlimited amount paid per injured person.	Between 20 and 50 million euros, with a maximum of 15 million per injured person.
Best coverage guarantee	Included in the base price.	Not available.
Drones under 5kg	Covered.	Covered for an additional cost.
Worldwide coverage	Included.	Included.
Lost keys	Replacement covered.	Keys of vehicles, like car rentals, are excluded from the base plan.

For more details, read our full post:

The best liability insurance companies in Germany.

Household contents insurance

First, what is contents insurance? It protects your belongings against fire, water damage, burglary, or storms. No matter which company you go with, they’ll cover your stuff in these cases. 

Now, let’s look at some of the differences between Feather and Getsafe.

Discounts

Feather offers a 5% discount on your premium if you have specific security devices installed:

• Smoke detectors
• Security systems
• Cameras

Getsafe doesn’t offer a similar discount, so Feather might save you money if you already have these devices.

Temporary accommodation

If your home is temporarily uninhabitable due to something covered in your policy, both companies will cover the cost of staying somewhere else, like a hotel. 

But Feather’s coverage lasts longer. The basic plan covers 180 days, while the top plan stretches to an entire year. 

Getsafe, on the other hand, is only half as good. It offers 90 days for its basic plan and 180 for the premium. 

Emergency return travel from vacation

Feather covers €5000 for emergency return travel if you need to cut your vacation short due to an insured event, like a fire or significant leak at home. 

Getsafe’s basic plan covers only €2000. However, its premium plan offers unlimited coverage for this.

Theft from water or motorsports vehicles

If you’re into water or motorsports, both plans cover theft from these types of vehicles.

At Getsafe, coverage is limited to €2500 for their basic plan and €5000 for their premium. On the other hand, Feather only includes this coverage on their extended plan, where it’s unlimited.

Wondering what other companies offer great household contents insurance?

Read our ranking of the best contents insurance companies in Germany.

Disability insurance

Disability insurance, or income protection insurance, is designed to protect your income if you can’t work due to a health condition like burnout or chronic back pain. 

Let’s compare how Feather and Getsafe handle disability insurance and why it might matter to you.

Feather’s Disability Insurance

With Feather, what you see is what you get. 

It’s a single, fixed, but customizable plan. This means you’ll know exactly what’s covered and how much it costs. This approach is straightforward—no hidden fees or surprises. 

You sign up once, and you’re good to go (without needing to dig through multiple options).

Getsafe’s Disability Insurance

Getsafe works differently. Instead of one clear plan, they offer disability insurance through over 50 different insurance companies. To pick the best option, you’ll need to book a call with Getsafe, where they’ll assess your needs and recommend a plan from one of their partners. This setup can create a few hassles:

• Pricing: Since Getsafe relies on other companies, they can’t offer an exact price upfront.
• Suitability: While they suggest a plan, it’s hard to know if it’s truly the best for you or if it’s based on their commissions from certain insurers.
• Time and effort: You’ll still need to compare plans, weighing pros and cons, before committing.

In short, if you want a transparent, straightforward plan with no extra steps, Feather’s approach is likely your best choice. 

If you prefer more variety and don’t mind comparing options, Getsafe could work—but in that case, you might also consider Check24 for a similar but more flexible experience.

Legal insurance

When choosing between Feather and Getsafe for legal insurance, knowing how they each protect you and where they differ is essential. 

Both options cover many of the essentials:

• Private life protection: Feather and Getsafe both help with everyday legal issues. For instance, if your gym won’t cancel your membership or your phone provider overcharges you.
• Traffic matters: Legal coverage extends to common traffic disputes. This includes fighting unjust parking fines or helping decide who’s at fault in an accident.
• Professional disputes: Both companies offer protection for workplace conflicts. This could mean defending your rights if you’re wrongfully terminated or ensuring a fair termination agreement.

One key difference is how quickly you can get basic legal advice. 

Feather typically connects you with a legal consultation within two days. With Getsafe, this might take a week or longer. That quicker access can be crucial if your issue is time-sensitive.

Feather and Getsafe provide solid coverage, but Feather has an edge if you value faster, more responsive support. 

Pet health insurance

Choosing between Feather and Getsafe for pet health insurance depends on your priorities, from coverage limits to premium stability.

Feather keeps things simple with two plan options, Surgery and Standard, while Getsafe offers three (Surgery, Comfort, and Full Cover).

These are the main differences between the two companies:

• Coverage limits: Feather stands out by limiting the yearly payouts, potentially offering more flexibility if your pet has high medical needs. In contrast, Getsafe limits payouts in its Surgery and Comfort plans but offers unlimited coverage under the Full Cover plan.
• Post-surgery care: Feather includes 30 days of recovery care after surgery, giving your pet a solid support period. Getsafe provides either 15 or 30 days, depending on the plan. 
• Cost increase: Getsafe’s premiums may increase as your pet ages, especially in the Comfort and Full Cover plans. Feather keeps its premiums stable over time. 
• Age restrictions: If your pet is older, Getsafe’s plans allow new policies for pets up to eight years old, while Feather only allows new policies for pets up to six.
• Physiotherapy: Feather covers up to 10 sessions per year (30 minutes each) in its standard plan. Getsafe offers a €500 yearly budget for physiotherapy in its premium plan, equivalent to about 6 sessions. 

Tips for comparing insurance companies in Germany

Here’s a helpful guide to comparing insurance companies (like Feather, Getsafe, or any other in Germany). Making the right choice is all about understanding what each offers and how they fit your needs. 

Here’s what to look at:

1. Identify your priorities

Start by deciding what’s most important to you. 

• Are you looking for broad, reliable coverage or a provider with low rates? 
• Maybe a digital experience is crucial?
• Or is it quick claims and transparency that matters to you?

Also, consider the type of support you prefer. Do you want direct, personal contact or do you prefer managing things independently through an app?

2. Evaluate the coverage

Once you know your priorities, dig into each company’s coverage. Make sure it’s what you need.

Pay attention to any waiting periods, exclusions, or limitations. 

Feather and Getsafe may differ in what they cover or require before certain benefits kick in. If you’re unsure about the difference between each, book a call with us, and we’ll help you through your options.

Also, see if you can add extra coverage (for example, via add-ons) to fill in the gaps in the base policy.

3. Balance cost and coverage

Understanding the cost is key to making your decision. Like most things in life, the quality of insurance often aligns with what you pay for. Lower-priced policies may have trade-offs — they just aren’t always immediately apparent.

Compare monthly premiums, deductibles (what you pay before insurance kicks in), and other out-of-pocket costs. 

Be sure that the services you’re paying for are ones you’ll actually use. For example, if you don’t own a bike, there’s no need to pay extra for a policy that includes coverage for it. 

Find a balance between cost and coverage that works for your budget.

4. Look for a seamless experience

How easy is it to use the company’s digital tools? 

If you do everything online, favor a provider with a smooth, user-friendly app or website. Feather and Getsafe emphasize digital convenience, so compare how they handle quotes, policy management, and claims. 

Reliable customer support is crucial when you need assistance, so choose providers with a solid reputation for responsiveness. 

And that brings us to our next point…

5. Research customer reviews

Finally, read customer reviews to see how others have experienced each provider. 

Trustpilot, Google Reviews, or expat forums like AllAboutBerlin are good sources. 

Check out reviews that cover the areas you care about most, like how easy it is to make a claim or overall customer satisfaction. 

Pro tip: Trustpilot has a search tool that helps you filter reviews by the topics that matter to you.

Honest feedback from real customers can be a great way to see if a company will live up to your expectations.

Conclusion

And that’s it for our comparison of Feather vs. Getsafe.

What do you think? Is one of these companies better suited to you?

If you have any questions about our plans or wonder how they compare to Getsafe’s, you can book a call with one of our experts. 

Alternatively, you can drop these questions in the form below, and we’ll reply to you in a day or two.