genki travel insurance reviews

Genki Travel Health Insurance Review: Is It Worth It?

During one of our nomadic stints in Thailand, we used the most common mode of transportation—scooters. Unfortunately, this time the adventure took an unexpected turn when my boyfriend, riding solo, was involved in a scooter accident . Thankfully, he only suffered minor injuries, but it required him to undergo a few health checks and come back to the hospital for a couple of days for observation .

Before this, travel insurance was one of those things we knew we needed but hoped we'd never have to use. As digital nomads, we thrive on the freedom and adventure that remote work offers. But it's essential to have a safety net, should anything go the wrong way.

So today, we'll talk about one of the top rising medical travel insurances for digital nomads— Genki Insurance . They say they offer robust coverage, stellar customer service, adaptable monthly plans, competitive pricing, and even an established track record of processing claims. But let's see if they actually stay true to their word.

Here’s our Genki Insurance review , where we thoroughly examine Genki’s promises versus reality for digital nomads seeking dependable travel insurance.

Who is Genki Insurance?

At the heart of Genki lies a promise: to provide digital nomads, remote workers, and those on long-term travels with not just insurance, but a companion that understands the unpredictability and excitement of their lifestyle . Offering comprehensive coverage that spans the globe, Genki ensures that wherever your wanderlust or work takes you, you’re covered.

One of the standout aspects of Genki is its flexibility. Life on the road is anything but static, and Genki gets that. Whether you’ve found a new corner of the world that has captured your heart or you’re called back home sooner than expected, Genki’s policies adapt to your rhythm, not the other way around. You can sign off when you need to, secure in the knowledge that your coverage ticks on until the last second of the month you’ve paid for.

But what really sets Genki apart is their collaboration with Allianz Partners and Barmenia —titans in the insurance industry with a history spanning 120 years. This partnership is about what it guarantees to subscribers: reliability, comprehensive risk coverage, and the assurance of prompt medical care , wherever you might be in the world.

How Does Genki Insurance Work?

You’ll find Genki operates on a monthly subscription basis . This model is perfect for those of us whose homes are wherever we lay our laptops. Genki’s plans automatically renew every month for up to two years , striking the perfect balance between affordability and the freedom to roam.

They have two interesting worldwide coverage plans: Genki Explorer and Genki Resident .

Genki Explorer

Genki Explorer is a travel health insurance plan tailored to the wanderers, the explorers, and the digital nomads. This plan covers individuals from any country, aged 0 to 69 , up to two years.

It’s designed for frequent and long-term travel, basically for people like us who live life on the move, offering travel health insurance that understands the nomadic lifestyle isn’t just a series of vacations—it’s a way of life.

Genki Resident

While for those of us who find themselves staying a little longer, planting roots in foreign soils, the Genki Resident plan offers international health insurance that goes beyond the basics.

Including telemedicine , access to a global network of doctors , and even covering check-ups and vaccination s, it’s suited for expats and long-term travelers making a home away from home. This plan is open to all, regardless of nationality or age, echoing Genki’s commitment to inclusivity.

What Makes Genki Insurance Different From Other Insurance Providers?

What we love about Genki Insurance is how they understand the beat of the digital nomad life . Their approach is like a breath of fresh air in a market that often feels like it’s speaking a different language than ours. Let's take a closer look at their coolest features:

Designed for Long-Term Travelers

From the get-go, Genki was designed with a deep understanding of the digital nomad and remote worker lifestyle . This means they're not just repackaging traditional travel insurance, they're building it from the ground up with you in mind. It’s like they know the challenges and freedoms of working from a beach in Bali or a café in Paris, and they’ve tailored their coverage to match that flexibility and freedom .

Flexible Coverage Areas

The beauty of Genki lies in its acknowledgment that plans change – sometimes on a whim. You might find your next project takes you to Bangkok or a quiet mountain town in Georgia. Unlike traditional policies that box you into predefined destinations, Genki ’s coverage is as fluid as your itinerary , offering true global coverage without needing to nail down every step of your journey ahead of time.

Adaptable Subscription Plans

In an age where flexibility is king, Genki ’s monthly subscription model is a godsend, providing monthly subscriptions lasting up to 2 years, with the option to cancel anytime , ensuring users only pay for what they need. It reflects the non-linear, project-based nature of much of our work. The ability to opt-out when your circumstances change without losing out financially mirrors the best practices of modern business models, focusing on customer needs and adaptability.

Broad Health Coverage

Another amazing bonus is Genki 's comprehensive approach to health coverage. They recognize that nomads are as likely to need care for common ailments as they are for the unexpected . Their policies are inclusive, even covering some pre-existing conditions under certain conditions —this is gold, especially since most insurers exclude coverage for these.

Insurance for Adventure Sports

Adventure sports and the nomadic lifestyle often go hand in hand. Surfing in Costa Rica or skiing in the Alps aren't just pastimes, they're part of the very essence of being a digital nomad. And Genki distinguishes itself by covering many activities considered too risky by others , ensuring that your pursuit of adventure is not just a possibility but a protected choice.

Efficient Claims Handling

The dread of navigating a claims process is familiar to many, but Genki aims to alleviate that stress. Their commitment to efficiency and customer service is evident in their user-friendly approach , which cuts through red tape and focuses on getting you the support you need, when you need it, adhering to high European consumer protection standards . My boyfriend's experience definitely proved that to us.

How Much Does Genki Insurance Cost?

Diving into the costs, Genki practices transparency, breaking down how factors like age, destination, and deductible preferences affect your premium. The cost of their insurance plans is determined by:

• Your Age : Different age groups have different pricing tiers.
• Regions of Cover : Costs adjust depending on whether you include or exclude the U.S.
• Deductible Choice : The deductible you opt for can also influence the final price.

Let's look at each of the two plans they offer ( Genki Explorer and Genki Resident ) and how much they cost.

Genki Explorer Prices

The Genki Explorer plan offers transparent prices starting at just €39.30 per month.

Here's a breakdown of Genki insurance costs:

Tossing the U.S. into your coverage mix undoubtedly nudges your premium upwards – a common scene across the board with travel insurance, given the steep medical costs stateside.

But here's a little silver lining from Genki: they roll out a €0 deductible deal. Opting for this means your monthly bill might see a €10 to €30 increase, yet it spares you from dipping into your pocket at the first hint of a medical hiccup.

For those of us looking to sidestep any out-of-pocket expenses from the beginning, this option is a great relief.

Genki Resident Prices

The standard Genki Resident plan starts at €105 per month, while the Genki Resident Premium plan starts at €125 per month .

On the flip side, for the explorers not planning on charting a course towards Canada or the USA , if you exclude coverage in these two countries , there’s a sweet spot in Genki’s pricing model that lightens your financial load each month.

The great part is that this isn’t a once-and-done decision . As your journey unfolds and your destinations evolve, you’re free to tweak your coverage monthly.

You're also covered for a generous 180 days per calendar year for all benefits during stays in your country of origin . This means peace of mind as you reconnect with friends, family, or take a break from your nomadic adventures.

It’s this kind of adaptability that aligns so well with the unpredictable rhythm of nomadic travels, allowing your insurance to seamlessly sync with your ever-changing itinerary.

What’s Covered By Genki Travel Insurance?

When it comes to both coverage plans, Genki Insurance offers two different options to choose from:

• Worldwide Coverage : This is your passport to pretty much every corner of the globe, freeing you from the usual constraints and letting your wanderlust lead the way.
• Worldwide with Limited Cover in Canada and the US : Opting for this means you’re still covered globally but with some caps when it comes to the North American giants (USA and Canada). This is a thoughtful nod to the varying needs and budgets of travelers.

The beauty of Genki's approach is its flexibility and destination-independent approach to travel insurance. There's no need to map out every step of your journey ahead of time. Instead, you're free to let your adventures unfold naturally, secure in the knowledge that your insurance can adapt alongside you.

Medical Coverage

When it comes to health, Genki Insurance 's got your back with a comprehensive suite of medical coverages that’s hard to beat. They've thought of everything.

Here's a breakdown of what they offer:

One of the standout features of Genki's medical coverage is its inclusivity. Genki's ensures that no matter the situation—be it a sudden illness or an injury—you're completely covered without any limits.

When it comes to dental care , you're supported with up to €500 for immediate pain relief and up to €1,000 for accidental damage. After all, the life of a nomad shouldn't be restricted by something as fixable as a toothache.

Moreover, most medical-related incidents have no limit on coverage , which is a rarity among travel insurance providers. Mental health support is also robustly included , offering both initial outpatient care and emergency inpatient care with generous limits.

Transportation for medical emergencies , whether to the nearest hospital or back to your home country, is fully covered, alongside the repatriation of remains. It’s this level of inclusivity and understanding of the traveler’s needs that truly sets Genki apart.

Activities and Sports

Genki Insurance offers a comprehensive range of activities covered under its travel insurance plans.

Activities and Sports Included in Genki Explorer Plan

Some of the activities that the Genki Explorer plan covers include:

• Climbing (indoor only)
• Motorcycle/-scooter
• Skiing (any kind)
• Snowboarding (any kind)
• Kitesurfing
• Mountain biking

While Genki covers a wide range of activities, certain "Dangerous activities" are excluded from the coverage. Those include:

• Base jumping
• Bungee jumping
• Parachuting & gliding
• Professional sports

Activities and Sports Included in Genki Resident Plan

For those who live for the rush of adrenaline and the freedom of the open sky, the Genki Resident Plan dramatically expands your horizon of possibilities. It not only matches the Explorer Plan in terms of activities and sports coverage but goes beyond by embracing those very adventures that carry an element of risk—activities previously labeled as too dangerous.

Now, the thrill of base jumping, the leap of bungee jumping, the depths of diving, the soar of parachuting, and the glide across skies are all within your reach, under the protective wing of the Resident Plan. It's an invitation to push the boundaries, to explore further, and to experience more, securely.

Yet, it's worth noting, for those who professionalize their passion in sports, that this realm remains outside of what Genki covers.

What’s NOT Covered By Genki Travel Insurance?

In the world of wanderlust and remote work, the insurance fine print can often be a buzzkill, especially when you're trying to decipher what's covered and what's not. Genki Insurance brings some clarity to this often murky world , but like any good story, there are plot twists. Let's break it down, no jargon attached.

Pre-existing Conditions

The Genki Explorer plan does not cover medical conditions that require treatments or medical advice within a certain period before the insurance starts . This includes chronic illnesses such as diabetes, cancer, sleep apnea, and chronic obstructive pulmonary disease (COPD).

With the Genki Resident plan , if you have a pre-existing condition, mentioning it before signing up for a plan is essential, as t he insurer will assess this information to decide if and under what conditions your existing medical conditions will be covered.

Adventure & Extreme Sports

Now, for the adrenaline junkies: If launching off cliffs or diving into the deep blue is your idea of a typical Tuesday, the Genki Explorer plan might not be your best co-pilot , keeping certain heart-pounding activities off the list.

But, switch gears to the Genki Resident plan , and it's like unlocking a level where previously "too wild" pursuits are now fair game. Just remember, turning your passion into a profession (read: professional sports) still won't make the cut.

Alcohol & Drugs

Here's a no-brainer but often overlooked chapter: accidents and illnesses caused by the use of alcohol, drugs, or similar substances are not covered by Genki 's plans.

That means if your adventure takes a detour into party territory, leading to mishaps under the influence, Genki's not covering that journey.

Same goes for those seeking a helping hand with substance recovery, it's a road you'll walk without Genki's backing. This means if you need professional help overcoming substance addiction, Genki won't be able to help.

If you need such coverage, you may need to look at other insurance providers or purchase additional coverage specifically for rehabilitation treatments. It's a reminder to navigate your travels and life choices wisely, keeping safety first.

Pre-existing Pregnancy

If your journey to parenthood begins before your Genki policy does, the path gets a bit rocky for all plans . Immediate and unforeseen hiccups in health will have coverage, but it's a narrow lane .

Are There Any Deductibles?

Let's talk about something that's probably not on your bucket list but super important: deductibles. That's the bit you pay before your insurance steps in. Knowing how deductibles work with Genki plans can save you from unexpected plot twists.

Genki Explorer Deductibles

If you're always on the move, here's the deal with the two deductible options in the Genki Explorer plan:

• €50 Deductible : It's pretty straightforward. You cover the first €50 of any claim, and Genki picks up the tab from there. It's a small price for big adventures.
• Zero Deductible Option : If you hate surprise charges, this plan's got you covered from the start, no initial payment needed when things go sideways. Yes, your monthly fee might inch up, but for peace of mind, it could be worth it.

Genki Resident Deductibles

If you're settling in for a longer stint abroad, here's how the Genki Resident deductible choices breaks down:

• €1,000 Annual Deductible : If you've got a claim, you're up first for the initial €1,000 in a calendar year. After that, you're in the clear, and Genki's got your back.
• €500 Annual Deductible : Similar vibe, but you only front the first €500 of any claims each year. A bit more upfront, but with a gentler impact on your monthly budget.
• No Deductible : Just like the Explorer plan, this option is for those who prefer to skip the upfront costs. The trade-off? A likely bump in your monthly payment.

Are You Covered in Your Home Country?

Heading back home doesn't mean your adventures are on pause, especially when unexpected twists happen. Recognizing the unique lives of digital nomads and remote workers, Genki Insurance has tailored its plans to keep you covered, even on home turf . But, as with any journey, there are a few road signs to pay attention to.

Home Country Coverage: Genki Explorer

Dipping back into home comforts for a bit? With Genki Explorer plan , you're covered for up to 6 weeks (42 days) every half a year (180 days). But keep in mind, it's mainly for those "just in case" moments—accidents or urgent emergencies. And, you need to have ventured beyond your home borders at least once after your policy kicks in to tap into this benefit.

If you just started your policy while already abroad, Genki Insurance 's got your first 14 days at home covered for similar emergencies.

Home Country Coverage: Genki Resident

Under the Resident plan, Genki 's got your back with up to 180 days of coverage in your home country every year. This means that your coverage isn't limited to accidents and emergencies, unlike the Explorer Plan. Need a routine check-up, prescription refill, or more serious medical care? You're in good hands.

The Genki Resident plan provides a broader safety net , covering a wide range of medical services, including general check-ups, prescription medication, and even illness treatments. This makes it an excellent choice for nomads who ferry between their home countries and other destinations but still require extensive insurance coverage.

What is Genki Insurance Good (and Not Good) For?

Genki Insurance shines for a specific crowd, especially for those whose lifestyles aren't just about the 9-to-5 grind. In other words, for:

• Digital Nomads, Long-Term Travelers, and Backpackers: If your office changes time zones more than you change your toothbrush, Genki's got your back. Designed for the digital nomad, the backpacker, and anyone who's made the world their office, Genki speaks your language.
• Health Coverage Seekers: Comprehensive doesn't quite cut it when describing Genki's health coverage. From an unexpected tumble off a mountain bike in the Alps to needing a dentist after a too-hard bite of a baguette in Paris, they cover the mishaps and misadventures that health often throws our way.
• Travelers Valuing Flexibility: If the only constant in your life is change, Genki's flexibility is a breath of fresh air. Plans can shift as often as your destinations do, from a month up to two years, and if you need to bail? No problem. Their cancel-anytime policy is as nomad-friendly as it gets.
• Budget-Conscious Travelers: Who said comprehensive coverage had to empty your wallet? Genki's competitive pricing proves you can protect your health without sacrificing your travel fund.

On the flip side, Genki might not be the best fit for those who are:

• Travelers Over 69: If you've celebrated your 70th trip around the sun, you'll need to look elsewhere. Genki's age cap is 69.
• Short-Term Vacationers: Here for a good time, not a long time? If your travel is more about weekend getaways than wandering indefinitely, you might find Genki's extensive coverage more than you need.
• Extreme Adventure Seekers: If you love the adrenaline but hate the idea of not being covered for the wildest of your escapades. While Genki is adventurous, it puts the brakes on for the most extreme of sports under its Explorer plan.
• Pre-existing Condition Concerns: If you have health conditions that have been part of your journey for a while, Genki's stance on pre-existing conditions might not align with your needs.

While Genki Insurance offers a compelling package for many digital nomads and long-term travelers, weighing its offerings against your individual needs and preferences is essential.

How To Get Coverage For Genki Insurance Plans

Now that we've spilled the tea on the benefits, pros, and cons of Genki Insurance , let's move on to the more practical stuff, starting with how to get a quote for their plans .

For this example, we'll show you how to snag a quote for their Genki Explorer plan, step by easy step:

Step 1: Request a Quote

Before committing to a policy, Genki allows potential customers to get a free quote . Kick things off by popping over to Genki's website and fill in the basics: how old you are, where you're from, and when you're planning to start your travels.

This first step is s like getting a sneak peek at what your insurance might cost without having to commit to anything just yet.

Step 2: Specify Travel Duration

In the next step, you will specify the duration of your travel :

Their system is designed with nomad flexibility in mind.

You can select one of three options: if you plan to travel for less than a year, choose the 'Less than one-year' option. If your travel plans extend to one year or more, select the 'One year or longer' option. If you are uncertain about the duration of your travel, you have the option to specify 'I'm not sure' .

Whether you're out for just under a year, planning to conquer the globe for longer, or if you're as indecisive about your return date as you are about your next destination, Genki 's got options to match .

Step 3: Enter Your Age

After choosing your travel duration, the next step in the Genki quote process is to specify your age :

Here's where your age comes into play because, in the world of insurance, age isn't just a number. Type in your age to help Genki tailor the quote . If you're thinking of bringing friends or family along on your escapades, you can add them here too.

Step 4: Customize Your Travel Health Insurance

Once your age has been entered, Genki offers the opportunity to further customize your policy. This is where you can make choices that affect the overall cost of your premium .

For starters, you can choose to limit your policy coverage in the United States and Canada . Selecting this option can reduce your monthly premium.

And then there's the deductible— Genki offers you the option to add a deductible of €50. By choosing this deductible, you agree to cover the initial €50 of any claim, which leads to reduced monthly payments. It's a decision that gives you more control over managing your insurance expenses.

Step 5: Add Your Personal Information

Now, share a bit more about yourself. Name, birthdate, and where you call home . Genki needs the details to make your insurance suit you just right.

Step 6: Select Starting Date

When's the big day? Tell Genki when you want your coverage to kick in .

Step 7: Verify Email and Set Up Payment

After you hit "submit," keep an eye on your inbox. Genki will send over an email to make sure they got everything right. Confirm your details, and they'll guide you through setting up your monthly payments . Just like that, you're on your way to being covered.

Genki operates on a subscription model, meaning you're billed monthly . This flexibility is especially beneficial for long-term travelers or digital nomads whose plans might change.

How Do You Make a Claim For Genki Insurance?

Filing claims with Genki Insurance is not particularly complex, and while it might not be the most enjoyable task, it's essential when the unexpected happens.

Here's a step-by-step guide on how to make a claim with Genki Insurance:

Step 1: Ask for Itemized Receipts

Start by securing detailed receipts and invoices for any treatment or service you've received. These are essential for your claim, laying out what you're seeking compensation for.

Step 2: Submit Your Claim Form

Once you've gathered your documents, it's time to officially start the claim process. If you're already a Genki member, you'll have access to an online profile . This is your portal to submit claims, update your details, and manage your insurance policy.

Alternatively, Genki provides an email address for those who prefer or need to submit their claims in a more traditional manner. Whichever route you choose, ensure that all your documents, including bills and receipts, are clear and complete . This step sets the wheels in motion for your claim.

Step 3: Report the Illness or Accident Promptly

If you find yourself needing medical attention, let Genki know as soon as possible. A quick call can make all the difference , ensuring they can provide immediate support and start processing your claim.

Step 4: Wave the Physician-Patient-Privilege

For Genki to thoroughly assess your claim, you'll need to waive the physician-patient privilege . This allows them to obtain necessary medical records directly from your healthcare provider.

Step 5: Claim Review and Compensation

Genki stands out with one of the fastest compensation timelines among the digital nomad insurance companies out there. We saw this with my boyfriend when he filed his claim about the scooter accident in Thailand.

They commonly settle claims within a period of 2-5 weeks , or make direct payments to the hospital, based on the circumstances although these are general timeframes and can vary based on specific situations.

How Do You Cancel Genki Insurance?

Canceling your Genki Insurance is as easy as signing up. Genki sets itself apart from many insurers by letting you cancel your policy whenever it suits you. This fits perfectly with the unpredictable nature of a digital nomad's life.

Once you decide to cancel, your insurance doesn't just vanish into thin air—you're still covered until the very last day of the month you've paid for. And if you're having second thoughts about your decision, Genki offers a peace-of-mind guarantee: a full refund if you cancel within the first 14 days. This way, you can test the waters without any strings attached, ensuring Genki is the right choice for you.

What do Travelers Think of Genki Insurance?

To get a well-rounded view of Genki insurance , we didn't just lean on our own experiences in this review. We went deeper, seeking out what a broader circle of travelers and digital nomads thought.

Trustpilot , known for its reliable user reviews, was our go-to. Here, Genki boasts a strong 4.4 out of 5 stars from 383 reviews. Users frequently commend Genki for the smoothness of its sign-up process , the value and flexibility of its plans, the warmth and effectiveness of its customer service , and the clarity and fairness of its claims process.

It's full of stories with positive experiences with Genki across the globe—from injury recoveries in Thailand to medical emergencies in Angola and essential scans in Kuala Lumpur. These travelers also gave a thumbs-up to Genki's innovative features like the hassle-free online claim form and the Air Doctor app.

Sure, it's not all sunshine and rainbows. Some voiced c oncerns over delays in reimbursements, occasional communication gaps with the claims team, the $50 deductible , and challenges in accessing medical care in certain areas. Yet, Genki doesn't shy away from these critiques. The company actively engages with such feedback, offering solutions and clarifications, and more importantly, committing to service improvements.

In essence, the consensus among users is overwhelmingly positive. They see Genki not just as another insurance provider but as a reliable companion for peace of mind during their travels. The general sentiment is clear: for those wandering the globe, whether for work or wanderlust, Genki's insurance option comes highly recommended.

Our Verdict on Genki Insurance

Reflecting on our journey with Genki in various countries, and particularly through an unexpected turn of events in Thailand, gives us a real sense of the value of insurance. My boyfriend's scooter accident could have been a nightmare: a solo crash leading to a hospital stay and finger surgery.

The anxiety of dealing with medical bills and insurance claims while in a foreign country looms large in such situations. Yet, with Genki, the process was surprisingly straightforward. My boyfriend submitted his claim just a day after leaving the hospital, and the claim form was refreshingly simple. The response from Genki came quickly, their team reaching out for more details before covering the full cost of both the surgery and post-surgery care without hassle.

This experience, coupled with the wealth of positive feedback from other travelers, solidifies our trust in Genki. It ticks many boxes: affordable plans, a simple sign-up process, and reliable claims handling for those unexpected situations on the road. Genki's comprehensive coverage, designed with the nomadic lifestyle in mind, makes it a standout choice for anyone living their life on the move. But don't just take our word for it, give Genki a shot .

If you're carving out a life across different time zones, consider checking out Genki for your travel insurance needs. It's one less "what if" to worry about, allowing you to immerse fully in the joys and discoveries of the nomadic life.

As always, we recommend comparing different insurance options and choosing the one that best fits your specific needs. You can check out the best ones below:

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Genki Insurance Review: Our Experience Using Genki in 2024

Category Work Online Updated on January 23, 2024

There is a new travel insurance company flying around and it might just be the best yet.

The truth is that digital nomad insurance  has been a pretty one-sided story. But that’s about to change!

Genki Insurance offers a very high level of medical travel insurance aimed at digital nomads, travelers and remote workers. You’ll get:

• Great coverage
• Good customer service
• Flexible monthly plans
• Excellent prices

And most importantly – Genki already has a reputation for processing claims in a timely manner (without you needing to follow up 50 times).

Sounds almost too good to be true?

In this Genki Insurance review, I will lift the lid on what Genki is really like and whether you should trust them as your travel insurance provider.

Let’s jump in!

Genki Insurance Review – Who Is Genki Insurance?

Genki is a one way travel insurance company that offers quality travel medical insurance for an affordable price.

Genki is primarily targeted toward digital nomads , long-term travelers and remote workers.

They offer transparent travel insurance plans and allow you to signup almost anywhere in the world. The plans run on a monthly subscription so you can signup and are billed each month automatically.

All Genki insurance plans have maximum coverage for up to 2 years and can be canceled anytime. After the coverage period finishes, you can signup again for another 2 years.

Genki Insurance is backed by insurance giant Allianz Partners and claims are handled by DR-WALTER. This means that Allianz and DR-WALTER take the “risk” when you sign up with Genki Insurance.

That’s good because these big companies aren’t likely to go out of business!

What Makes Genki Different From Other Travel Insurance?

There are a couple of unique things that make Genki stand out from the rest.

Apart from the typical travel medical insurance, here’s a quick review of Genki’s unique features:

• Insurance designed for digital nomads – Genki was created with digital nomads in mind. All of their insurance policies are catered toward long-term, frequent travelers.
• Subscription model – Genki doesn’t make you pay for a whole year (or longer) upfront. You will be billed on a monthly subscription on the same day each month.
• Long-term continuous insurance – You can be covered by Genki for up to 2 years continuously as long as you maintain your subscription.
• Buy outside your home country – You aren’t required to be in your home country to sign up for Genki.
• Buy insurance with a one-way ticket – Genki doesn’t require you to have a return tick to your home country or have a set itinerary of where you are traveling.
• Fast insurance payouts – Genki has one of the quickest payout schedules of any insurance company I’ve reviewed. They generally pay claims within 2-5 weeks or direct to the hospital depending on the situation.
• Solid medical insurance – Genki focuses on medical insurance that covers an excellent range of medical issues.
• Transparent and easy signup process – You can sign up for Genki in less than 3 minutes with a quick and transparent process.
• Clear payment structure – There’s no need for multiple plan tiers and complicated quotes. Genki has a simple payment structure that makes it easy to understand what you get and what you pay.

As you can see, Genki has a ton of great benefits for its members. It’s easy to sign up and they have very transparent policies, which is rare for insurance companies.

But you might be thinking…

Doesn’t SafetyWing offer these benefits too?

The truth is that SafetyWing is definitely Genki’s biggest competitor and they both have a lot of similarities. But when you look beneath the surface, both companies have several unique differences.

At the end of this blog is a specific section dedicated to Genki Insurance vs SafetyWing nomad insurance so you can see the differences for yourself.

How Much Does Genki Insurance Cost?

Genki has very straightforward pricing that is easy to understand. So how much does Genki cost?

Genki insurance starts at just €39.30 per month.

But the end price you pay comes down to-

• The regions of cover you choose
• The deductible you choose

Here’s a table that shows the full breakdown of how much Genki insurance costs with all plan options :

As you can see from the table, if you want full coverage for Canada and the United States, it will cost you about double which is pretty standard for most nomad travel insurance companies.

Currently, Genki doesn’t offer travel insurance for people ages 70+. You can check out their long-term health insurance options if you are 70 or older.

Genki also adds an option for a €0 deductible in your plan. This could be a really nice benefit!

It will add about €10 to €30 per month. In my opinion, if you expect to claim less than once about every 5-6 months, it doesn’t really make financial sense for most people to have the €0 deductible option.

But the option is there if you want it.

Genki Travel Insurance Coverage

Ready to dive into all the details?

Below I have outlined what Genki Insurance covers so you can see what you are getting. Let’s get started!

Where Are You Covered With Genki Insurance?

Simply put – Genki has just one travel health insurance plan.

But Genki has 2 different options for the coverage:

• Option 1 – Worldwide (all countries)
• Option 2 – Worldwide (excluding Canada and the United States)

At first glance, they look self-explanatory, but there are a couple of things you should be aware of.

Option 1 Worldwide coverage means that you are covered in every country on earth. There are some limitations in your home country, but they apply to both options.

Option 2 means you are covered in every country, but the coverage in Canada and the USA are limited. Yes, you still get some coverage in the USA and Canada, but it’s limited to 6 weeks per 180 days.

This is actually a very unique and impressive offering.

It essentially means that you are ONLY covered for 6 weeks in every 180 days in Canada and the United States. If you only plan to visit the United States and Canada for less than 6 weeks combined, then you will be fine with Option 2.

If you plan to stay longer, Option 1 makes sense.

Cost is the biggest difference in the plan options (other than coverage).

You’ll pay about double for Option 1 compared to Option 2. This is very similar to other digital nomad travel insurance companies.

Medical Coverage

Medical coverage is where Genki stands out the most.

They offer comprehensive medical coverage with a few extra benefits. Here’s a full breakdown of their medical coverage:

As you can see, Genki has an excellent level of medical travel insurance . It even covers extra benefits like emergency dental and mental/emotional issues.

A few of the other unique benefits that Genki offers with their emergency medical assistance coverage are:

• If you are likely in hospital for more than 5 days, Genki pays your friends/family’s transport costs
• 24-hour medical care hotline that guarantees organized direct payments to hospitals
• Treatment at any locally authorized healthcare provider or medical facility around the world
• Most medical-related incidents have no limit on coverage (this is very rare)

Overall the medical coverage offered by Genki is better than most other travel insurance providers. Almost all of the medical coverage benefits don’t have a limit! This is very rare for any travel insurance company.

The level of Medical coverage will more than satisfy most people and should mean you are well-protected if you have any issues.

Is COVID-19 Covered?

Short answer – Yes, COVID-19 is covered as part of Genki’s insurance plans.

But you need to understand exactly what that means…

COVID-19 coverage is for medically necessary treatment as a direct result of COVID-19. This means that if you need to go to the hospital because of COVID-19 , Genki should cover it for you.

The other massive benefit of Genki’s COVID-19 coverage is no cost limit. Most travel insurers have a limit on the amount for COVID-19 insurance coverage.

Be aware – COVID-19 coverage from Genki does not cover you for quarantines.

Because they are not considered medically necessary. This is a standard policy for travel insurance but it is good to keep in mind.

If you need to prove COVID-19 insurance to enter a country you can download your insurance certificate from your Genki profile . It’s stated explicitly on the certificate and should be suitable for immigration into any country.

Activities Covered

Activities are where most insurance companies differ in terms of what’s covered and what’s not.

Genki has a clear list of exclusions for activities that are called “dangerous activities”. If the activity is NOT on the exclusion list – it should be covered.

The list of dangerous activities that are excluded from the Genki insurance plans are:

• Motorcycle and car racing
• Parachuting
• Paragliding
• Bungee jumping
• Base jumping
• Mountaineering (if specialized equipment is required)
• Free climbing

If you plan on doing any of these activities, get additional insurance to cover them. Most companies that offer these activities usually also include some form of insurance anyway.

But make sure you check before you start! What about activities that are covered by Genki?

Some of the activities that are covered by Genki include-

• Kitesurfing
• Snowboarding
• Mountain biking
• General sports

And so many more. Impressively Genki has managed to include some activities that most other travel insurance companies would exclude.

Notably – Skiing and Snowboarding are usually excluded from different travel insurance policies. The amount of activities included by Genki is really solid.

There isn’t a travel insurance company that I have reviewed that has more activities included in their policy than Genki!

But one question lots of digital nomads ask about travel insurance…

Does Genki cover scooter accidents and crashes?

Yes. The good news is that Genki will cover scooter crashes and accidents.

What’s more?

The support team told me that you are even covered for scooter crashes if you don’t have a license.

What a relief for all those digital nomads in Bali and Chiange Mai at the moment! I haven’t seen coverage like this in any other travel insurance company that I’ve reviewed.

Are There Any Deductibles?

Deductibles are the amount you need to pay as part of the insurance policy.

Genki has very low to no deductible based on what you choose. The standard deductible is just €50 per issue that arises. This means you will have to pay the deductible for any insurance issue whenever you make a claim.

Don’t want to pay the deductible?

You don’t have to.

Genki has an add-on option that allows you to get travel insurance without a deductible.

This add-on will come at an extra cost of about €10 per month.

Are You Covered In Your Home Country?

As full-time digital nomads, we don’t spend a ton of time in our home countries.

But that doesn’t mean we don’t go home to visit friends and family every now and then. For Ashley and I, we tend to go back to our home countries about once per year.

It’s important for us to get coverage for that period – even if it’s just a few weeks.

Genki offers limited coverage to members in their home country. But when I say limited, it’s actually very good.

You are covered in your home country for up to 6 weeks (42 days) per 180 days. That means you should be covered if you drop in to see friends and family over Christmas for a couple of weeks.

The only thing to remember is that coverage in your home country only includes accidents and life-threatening emergencies. Visiting the doctor for a “check-up” isn’t going to be covered.

What’s Not Covered By Genki Travel Insurance?

While Genki covers a lot of travel and medical expenses , it doesn’t cover everything.

Remember you are buying travel insurance.

That means anything that is NOT medically necessary is generally NOT covered. Doctors are the ones that decide what is considered medically necessary, which is good because Doctors are generally on the side of caution.

And of course…

You aren’t covered for any accidents or injuries that occur while under the influence of excessive alcohol & drugs. Excessive can be a grey area – so keep that in mind.

Now that we have those out of the way, here is a list of other things not covered by Genki insurance.

Pre-existing Conditions & Limited Pregnancy Coverage

Pre-existing conditions are any medical issues that you have received treatment for in the past.

Genki also defines them as any medical issues you have sought advice for in the past 6-months.

It’s common for travel insurance policies not to cover a pre-existing medical condition. You can sometimes pay extra to cover specific conditions, but Genki doesn’t offer this,

A popular question we get is – are there any travel insurance companies covering pregnancy?

Genki doesn’t cover pregnancy if you knew you were already pregnant before getting the insurance policy. The only exception to this is acute and unforeseeable deterioration in the health of the mother or child.

This is good because if you have any major unforeseeable complications while pregnant and traveling, Genki should have your back!

Genki DOES cover pregnancy if you weren’t pregnant before starting your insurance plan. They offer:

• Check-ups up to the 12th week of pregnancy
• Two ultrasound examinations
• Treatment for complications
• Labor including birth assistants & midwives
• Postnatal care up to €50,000

If you are traveling as a digital nomad couple and something happens, you might have some coverage. But I wouldn’t rely on it if you plan to have a child while on the road.

Get digital nomad health insurance for that!

Dangerous Activities

Most travel insurance policies don’t cover dangerous activities.

The difference is what they count as dangerous activities. Genki’s dangerous activities list is actually minimal-

If the activity IS NOT on that list above, it should be covered!

Genki’s competitors like SafetyWing and World Nomads have a massive list of exclusions for activities. Genki has the shortest dangerous activities list of any travel insurance company I have reviewed.

I encourage you to reach out to support if you have a specific activity you are undertaking and have any questions.

They are always really responsive and helpful!

Baggage Delays, Trip Cancellation & Personal Items

This is a big one:

Genki provides medical coverage. They currently don’t have any coverage for things like:

• Personal effects coverage
• Trip cancellation coverage
• Baggage delays or loss

Genki is focused on medical coverage and that’s how they keep their prices low, providing insurance that won’t break the budget.

If you want to cover other things like personal effects and baggage – Genki probably isn’t going to work for you at this time.

The Genki team told me they are working on coverage for baggage delays, trip cancellation and personal items. It will likely be introduced as an add-on.

Family & Age Limits

For families, this could be a significant downside.

Genki doesn’t offer any family coverage at this time. It’s also not possible to ensure your children if they are under the age of 18 years.

Speaking of which, Genki only offers insurance to people in two age brackets:

• 18 to 29 years old
• 30 to 49 years old

Digital nomad statistics show that this covers the vast majority of digital nomads and remote workers, which is their primary target audience. There is also a significant difference in price for people aged 18 to 29 vs those aged 30 to 49.

You’ll pay at least €19 more if you are in the 30 to 49 age bracket .

After talking with one of the Genki reps, the family coverage is on their radar. It will likely be offered later as an extra add-on.

If you have a family, Genki is probably not the best travel insurance for you at the moment.

14-Day Waiting Period

The first 14 days of your coverage are limited.

What does that mean?

The first 14 days of your insurance coverage with Genki are limited to just accidents and life-threatening emergencies. All the other benefits are on hold until the waiting period is over. Is that normal?

Yes and no.

It’s common enough with some insurance companies. My guess is that Genki has placed this 14-day waiting period because it is a German company that falls under German laws.

Here’s what I mean:

In Germany you have a right to completely refund your insurance in the first 14 days. If you are unhappy, you can contact Genki for a refund and they should give it to you. After that, they aren’t obligated by law to provide you with a refund.

This is likely why they’ve put a waiting period in place.

You are still covered for accidents and life-threatening issues during the waiting period.

World Resident Genki Health Insurance Plan

Want to level up your travel insurance to digital nomad health insurance ?

Genki has just launched Genki World Resident – their new global health insurance plan and it’s actually really good!

They provide superior medical coverage and unbeatable value. All of this with the transparency that Genki customers have come to love and expect.

The 2 health insurance plans that Genki currently offers are:

• World Resident (starts from €105/month)
• World Resident Premium (starts from €125/month)

What’s the difference?

With World Resident Premium you get a lot more benefits such as vaccinations, medical checkups, eyesight correction surgery, glasses, contact lenses and so much more!

Both plans include medical treatment everywhere.

Find any locally recognized healthcare provider and you will be covered by Genki. It’s even possible to get your pre-existing conditions covered! You also have all sports coverage included which includes every sport – as long as you aren’t being paid to play.

As if that’s not enough…

Genki has managed to squeeze in extra benefits like telemedicine and alternative treatment.

In our opinion the amount of benefits you get with Genki World Resident vs the amount you pay is incredible. They have catapulted themselves into one of the best digital nomad insurance options available right now.

Want to learn more?

Check out Genki World Resident here.

Making A Claim With Genki Insurance

Claims are another area in which Genki stands out.

There are a few obligations that you have:

• File claims as quickly as reasonably possible
• Release the physician-patient privilege (if required)
• Provide proof of prior healthcare cover (if required)

You’ll also likely need to provide supporting documents from doctors with your claim. But the good news is the Genki insurance claims are processed quickly.

You should receive a verdict on every claim within 2-4 weeks after filing.

This is really quick.

Many travel insurance companies can take up to 5-12 weeks just to provide a verdict. That doesn’t include making the payout.

The claim times around digital nomad insurance are a big issue. Genki has eliminated this issue and processes claim requests much faster than most competitors.

Does Genki Actually Pay Claims?

Probably the biggest factor when choosing a travel insurance provider is…

Being confident that they will actually pay and not try to weasel their way out of it.

Personally (and amazingly) we have not needed to file a travel insurance claim since we became digital nomads. So I can’t speak from personal experience with Genki.

But after speaking with one of their reps, Genki seems to have a really solid claims process. They are also governed by Europen law, which is generally very consumer-focused. That’s a good start, right?

But what about some real claim stories…

Trustpilot is where I go to get solid reviews from real people and Genki has a Trustpilot score of 4.3 out of 5 from 154 reviews which is excellent. 83% of all their reviews on Trustpilot are excellent.

This is pretty good for any insurance company.

A good number of people have also left detailed positive reviews about how good the claims process was. This is an excellent indicator of what Genki is like when you have an issue.

Genki’s biggest insurance partner is DR-WALTER, who will actually hand the claim They have a good reputation for being reliable and paying relevant claims on time.

There are also a few negative reviews so you can see what people were unhappy with Genki on Trustpilot. Genki responded to each negative review they got and explained the situation in further detail.

I have also seen Genki reps active on places like Reddit , which is always a good (and rare) sign of a great company.

It looks like Genki does pay claims and payouts are provided in a timely manner. But it’s always good to double-check for yourself to make sure you feel comfortable.

Genki vs SafetyWing: Which One Is Best?

There are several digital nomad insurance companies that I could have compared Genki to.

But SafetyWing is by far their biggest competitor and offers subscription-based travel insurance as Genki does.

That’s why I chose them.

The truth is that it’s difficult to compare travel insurance companies head to head.

I have listed out some of the most essential aspects of Genki vs SafetyWing and put them in a table. Here’s the complete list:

The only thing I need to point out about the price is that Genki charges you on the same day each month. SafetyWing charges you every 28 days.

That means Genki will end up charging you 12 times per year and SafetyWing will end up charging you 13 times per year. Keep that in mind when considering the long-term costs.

The Bottom Line On Genki vs SafetyWing

Genki is generally cheaper than SafetyWing and offers better medical coverage. They have a faster claims time and provide better coverage in your home country. You’ll also get continuous coverage for 2 years and very low deductibles (if any)

SafetyWing covers more than Genki . SafetWing offers a (very) low level of coverage for personal property, trip delays and lost baggage which Genki doesn’t. SafetyWing offers family benefits and may be slightly cheaper depending on your age. SafetyWing’s deductibles are MUCH higher but only have to be paid once. Genki’s deductibles are paid on every claim, every time.

But whether SafetyWing or Genki is better for you will come down to-

• Benefits you find important

These are the two biggest factors. In terms of prices, they are actually pretty similar!

Want to learn more about SafetyWing? Make sure that you check out our complete SafetyWing review for a comprehensive breakdown of what’s included.

Is Genki Worth It?

Like all travel insurance – it depends on what you need.

Genki is cheaper than most competitors . How do they keep the price so low?

By focusing almost solely on emergency medical expenses.

But what you get with Genki vs the cost you is what makes Genki an excellent provider. Compared to competitors like SafetyWing, you get high coverage limits and much lower deductibles.

The claims period is also significantly shorter than most travel insurance providers, which is a big plus.

If you are primarily concerned about your medical insurance, you’ll find that Genki is one of the best providers available in terms of value for money.

Signup for Genki Insurance here .

How To Sign Up For Genki Insurance

Ready to signup for Genki Insurance ?

Genki has simplified the signup process, which means you get your coverage in minutes. Here’s how it works:

Head over to Genki.world .

S elect the age range that applies to you and click Customize Your Plan.

Add your first and last name, then click Let’s go.

Now select your home country.

Choose when you want your coverage to start. You can select a date in the future.

If you choose to start “Today”, the coverage will begin at Midnight in Germany’s local time zone.

Add in your email address and date of birth. Click Check price now – You should now see your general quote.

Lastly, you can customize your plan a bit.

Choose whether you want your insurance to cover the US and Canada and whether you want the deductible.

Click on the pink links to make the changes.

Now just add your credit or debit card details and click Confirm subscription.

You’ll get an email confirming your purchase immediately. The insurance certificate will be ready to download in about 1 business day. They’ll send you an email when it’s available for download.

Click here to get started with Genki insurance .

How Do You Cancel Genki Insurance?

You can cancel your insurance plan with Genki at any time.

You’ll remain insured until the end of your current billing cycle. You just need to go to their website and log in to your account to cancel. You can always start a chat with the Genki support team if you have any issues.

It’s also worth noting that you also have the right to withdraw from the insurance policy for a full refund within the first 14 days.

Just contact the support team to get that sorted!

Wrapping It Up

There you have it.

A complete Genki Insurance review.

Although Genki is relatively new to the digital nomad insurance world, I think they will make a big splash. They have put together a solid insurance plan offering great medical benefits and good value for money.

This, coupled with their easy-to-signup and transparent processes makes them very competitive.

As Genki Insurance grows, I think you can expect to see more customizable offerings. They have already told me they are working on family coverage, expanding the age range and adding things like trip delays and lost baggage.

Ready to get started with Genki?

Signup here.

If you have any questions feel free to leave them in the comments or you can contact the Genki Insurance team.

Want to see more options for digital nomad insurance?

Check out our complete guide on the best travel insurance for digital nomads .

Frequently Asked Questions

Is Genki Insurance legit?

Genki insurance is a legit company registered in Germany. They are backed by Allianz Partners and all of their claims are handled by DR-WALTER. Genki provides excellent value for money on comprehensive travel medical insurance.

Is Genki better than SafetyWing?

Whether Genki is better than SafetyWing comes down to each individual. Genki and SafetyWing cost about the same depending on your age. Genki generally has better medical coverage, while SafetyWing covers a little bit more. Genki also has a better reputation for paying claims than SafetyWing and costs less for most people.

Will Genki cover a scooter crash?

Genki does cover scooter crashes and accidents. If you are planning to ride a scooter while overseas and traveling, Genki has you covered.

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September 26, 2022 at 7:16 am

Love the website and your articles have been very useful, much thanks for that!

What I wanted to know, have you ever looked into Dr Walter for travel health insurance? (They handle Genki’s claims as you know and their basic medical package is the same price as Genki’s one – for a person with my details – you know what that means). I don’t see Dr Walter compared on any review article of website for digital nomads health insurances but their product looks excellent.

Much thanks and all the best on your journey to you both!

September 27, 2022 at 11:04 am

Thanks for the comment! We haven’t looked into specifically what insurance plans they offer. But they do have a good reputation.

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Reviews 4.4.

Most relevant

Not recommended

The Dr. Walter team is uneducated about simple procedures and arrogant about it. If you tell them out, they will answer something along the line: - Are you done? The app do suggest doctors to book appointments with, but three times in a row the doctors cancelled on me 1 minute before the session, and it took 16 hours before I got a video consultation. I've been to two hospitals, called multiple times, whatsapped Genki, emailed Dr. Walter and this have been going on for 24 hours now. Luckily the hotel manager told me in the end I could have the vaccination I needed administered in the pharmacy. A vaccination that is really important as I follow a prophylaxsis after bit by a stray dog in Brazil. I got wonderful help by health professionals as the hospitals are free in Brazil, but for the last two shots now in Portugal it has been a nightmare to get help. Will end this subscription as soon as my new insurance is valid, as I can never trust this company ever again. As I read through the reviews here I also guess they will stall the reimbursement.

Date of experience : March 29, 2024

Fantastic experience

Fantastic experience. Great support. Clear communication. Shout out to Pedro. Took a while for the claim to be paid out but they're a new company and these things always do take a while. Would 100 recommend.

Date of experience : March 01, 2023

Reply from Genki

Hi Adam 👋 Appreciate your recognition for our clear communication and great support! Should you have more questions, we're always here to assist. Stay healthy 🌱 Ramin

So far very responsive and informative

So far only had a WhatsApp chat, but it was very informative and all my questions were answered. I will probably book my travel insurance with this company.

Date of experience : January 22, 2024

Hi Bernice! Thank you for your great review! We're pleased that our support chat was informative and helpful. Feel free to reach out if you have any more questions. Stay healthy 🌱 Pedro

Lack of communication

I have had 3 separate appointments to review questions and possibly move forward with the purchase of health insurance for my wife and myself. No one from genki ever contacted me, after each appointment. I reached out on the chat line and was about to get some information but no real answers on my question or a price. The insurance seems good but so far the communication has been terrible. I have taken them off my list as a potential insurance carrier for my family and have decided to go with a company called vumi.

Date of experience : March 15, 2024

100% Recommend!

I've been a Genki Explorer for about a year after becoming a nomad in September 2021. I signed up in March 2023 and have been very pleased with my experience, especially after having a medical emergency this summer! The information is accessible, payments are affordable, and the staff is extremely responsive and patient with questions - much unlike the insurance industry in the USA. Thinking now about becoming a Resident as I figure out the next stage in my life. Mehrdad was so kind and helpful in walking me through my options. Totally recommend Genki for folks who plan to live an international life.

Date of experience : November 25, 2023

'Hi Ayofemi 👋 Thank you for your amazing review and for highlighting Mehrdad's helpful assistance! We're here for you as you transition into the next stage of your life. Stay healthy 🌱 Ramin

5 Stars Experience - Surgery

I had an accident in Indonesia and broke my Fibula bone, went straight to the hospital and my partner contacted our insurance, they were so efficient when the hospital asked for a letter of guarantee costs from Genki. The first contact we made they informed my wife straight away saying don't worry we'll cover all costs. I went through surgery and it was a success, still recovering. After my second follow up at the hospital I had to pay myself and claimed to Genki so still waiting for it as I had to do the last X-ray. It was great experience so far!

Date of experience : August 01, 2023

Hi Daniel 👋 Thank you so much for your great review! We're glad to hear that our team efficiently assisted your wife with the letter of guarantee costs during your hospital stay. If you have any further questions or need assistance with your claim, please feel free to reach out to us. Stay healthy 🌱 Ramin

Very good insurance!

I have had insurance with this company for 3 months and I can say a lot of good things: - Genki support is very nice and gives good advice - Compensations are paid (received it twice) but the waiting period is long, now it is about 1 month. All my times I have not been asked for any additional documents, just the ones I provided initially. - Great AirDoctor app: probably the biggest plus of this insurance. It allows you to make an appointment with a doctor immediately with payment from the insurance, so you don't have to pay money yourself. In tourist places and countries there is a very good choice of clinics and doctors (e.g. Thailand). In some places, unfortunately, the choice is not great and hospitals do not always cooperate well (for example, in the UAE, I had to pay for the visit myself, and after that I was reimbursed after a month). Fortunately, I haven't had a hospital stay, all my visits have been outpatient, so I can't say anything about that from my experience. But I've seen a lot of recommendations in chat rooms that this part is fine too. I think this is the best deal on the travel insurance market for the money and service.

Date of experience : January 27, 2024

Hi Aleksei 👋 We appreciate your detailed feedback and are thrilled to hear our AirDoctor app has been beneficial for you! Your satisfaction is our priority, so please don't hesitate to reach out if you have any more questions. Stay healthy 🌱 Pedro

Great service and price

Customer service is great, forms are easy to fill out, coverage is appropriate, all for a very affordable price. They allowed me to live abroad with peace of mind for more than a year.

Date of experience : November 14, 2023

Hi Eddie 👋 Thank you so much for your fantastic review! It's wonderful to hear that our easy-to-fill forms and affordable prices gave you peace of mind during your time abroad. If you have any further questions, please don't hesitate to reach out to us. Stay healthy 🌱 Ramin

No claim refunds and no responses

I submitted several bills for my doctors visits, hospital stay, laboratory work back in November, December and January for over 10,000 USD. It's mid March and i have not received a penny from them. When I email them about the status they ignore me. There is no phone number to call and no way to escalate it. All my emails just go into vacuum. I am not sure if it is a scam or just incompetent, lazy workers not processing the claims in a timely manner because I have no answers from them whatsoever.

Date of experience : December 17, 2023

So far so good!

I've only had one claim now, but it was approved for a refund even though the analysis was not prescribed by a doctor. It took some time and one additional question via email. I'm quite happy with the services for now, hope they keep it up.

Date of experience : October 17, 2023

Hi Alexander 👋 Thank you for sharing your positive experience with our assistance! We're here to help should you have more questions in the future. Stay healthy 🌱 Ramin

Everything worked well and when I…

Everything worked well and when I needed financial coverage it all went smoothly

Date of experience : January 30, 2024

Hi Maximiliano 👋 Thank you for your amazing review! Don't hesitate to reach out if you have any more questions. Stay healthy 🌱 Pedro

The best travel health insurance out there

We have been living abroad and getting an international travelers health insurance for our family of three is what makes sense for us. Genki is the best option for our family with it's low deductible, excellent coverage, and easy sign-up process. We've had a first-hand experience of Genki's great and timely service. Our 18-month old boy recently had an accident where he fell off his high chair and we needed to bring him to the hospital because of continuous vomiting. As you can imagine, this is a parent's nightmare. The whole process of getting all hospital bills covered by Genki was so seamless that as a mom, I felt so secured in knowing that we have a trusted partner in our healthcare. Their direct to hospital payment is so wonderful we didn't have to pay for anything or prepare any documents for reimbursement. It was one less thing to worry about during the whole ordeal. From our family's experience, I'd highly recommend Genki. I believe that more families like us who live abroad and travels a lot should have a health insurance coverage that they can trust.

Date of experience : December 19, 2023

Hi Christine! Thank you for sharing your experience with Genki! We're thrilled to know our easy sign-up process and direct to hospital payment system made a difference during your treatment. Please feel free to reach out if you have any more questions. Stay healthy🌱 Pedro

Easy and clear process

I used Genki insurance while backpacking for two months, and I totally recommend it. The price is very good compared to other insurance's companies, but the thing I liked the most was the ease in subscribing to the plan and deleting it when my travel has ended: both processes were extremely clear and quick.

Date of experience : September 04, 2023

Hi Lucrezia 👋 Thank you for your fantastic review, we're thrilled you found our subscription and process clear and quick. Should you have any future questions, we're here to help. Stay healthy 🌱 Ramin

Although I have never made a claim before, and hopefully won't need to, the sign-up process was very efficient. The contract language was clear and concise, and all of the important information was easy to find. I was happy to see the Company insuring older explorers like myself (58) at a reasonable price.

Date of experience : August 22, 2023

Hi Stuart 👋 Thank you for your amazing review! We're glad you found our sign-up process efficient and all the needed information about our benefits easy to find. If you ever have any questions please don't hesitate to reach out. Stay healthy 🌱 Pedro

Cheap and Effective!

This insurance is so cheap and you get way more bang for your buck than you would assume, they are my go to travel insurance when taking on huge trips!

Date of experience : November 01, 2023

Hi Isaac 👋 Thank you for your fantastic review! We're thrilled to know we're your go-to for travel insurance. Don't hesitate to reach out if you have any questions. Stay healthy🌱 Ramin

Super fast and friendly support!

Date of experience : April 08, 2024

Hi Matthew 👋 Thank you so much for your wonderful review! We're thrilled you appreciated our fast and friendly support. Don't hesitate to reach out if you have more questions. Stay healthy 🌱 Pedro

Easy and clear cut

Easy and clear cut. I didn't need to make any claims luckily; but there's no limits and ridiculous fine print. Covers Kite Surfing which is hard to find in other companies.

Date of experience : September 02, 2023

Hi Jack 👋 Thank you for your amazing review of Genki! We're glad to hear that our coverage for Kite Surfing was what you were looking for, and we're here to assist you with any future questions or concerns. Stay healthy 🌱 Ramin

The real test is making a CLAIM!

The real test is when you have to make a claim. The claim process was easy and payment came through easily and timely. Would definitely recommend and they are officially our new insurance company of choice.

Date of experience : June 01, 2023

Hi Cindy 👋 Thank you for your amazing review! We're glad to hear that our claim process was easy and payment came through easily and timely. If you have any further questions or need assistance, please don't hesitate to reach out. Stay healthy 🌱 Ramin

Complete Review: Genki Health Insurance

by Melissa Giroux | Last updated Jan 29, 2023 | Travel Tips

Searching for travel insurance? If you’re traveling long-term, you might have come across Genki travel insurance.

This insurer offers comprehensive coverage for travelers who are away from home for extended periods of time, so let’s take a closer look at what Genki has to offer.

In this Genki review , we’ll look at their policies to help you decide if it’s the right travel insurance for you.

We’ll provide information about Genki, how it works, who it is for, and more.

By the end of our review, you’ll know everything you need to know about Genki insurance.

What Is Genki?

Genki provides health insurance for long-term travelers such as digital nomads and backpackers.

You can get coverage from one month up to two years with a monthly subscription that you can cancel anytime.

Go to Genki

How Does Genki Work

You can get a free quote on Genki by entering your personal information, date of birth, home country, and departure date.

Then, you’ll get to make a few decisions that could impact the price of your insurance.

Their pricing depends on three main things:

• The region you’re visiting
• The deductible you choose

Regarding deductibles, you’ll get two options:

• Everything will be paid in full.
• A deductible of €50 will apply per case.

Once you find a policy that suits your needs, you can go ahead and set up an automatic monthly payment that you can cancel anytime.

Now, let’s take a look at what is covered by the Genki World Explorer plan.

Genki World Explorer Coverage

In this section, we’ll explore what is insured by Genki.

• Medical treatment everywhere
• Sports injuries for sports that are not excluded under dangerous activities
• Assistance and direct billing
• Hospital visits
• Medical transport
• Repatriation
• Emergency dental treatment
• Initial mental issue treatment
• Medication and materials

As you can see, Genki Insurance is more health insurance than travel insurance as it doesn’t cover baggage issues, trip cancelations, etc.

If you wish to learn more about the policy, you can read the full details on Genki’s website. When starting the free quote, you can see all terms and conditions.

Where Are You Covered?

When it comes to coverage, you get to choose between two options:

• Worldwide excluding Canada and the USA

The Worldwide option gets you covered in every country. Although, it’s important to note that the coverage in your home country is limited.

The second option is exactly the same, but with covers in Canada and the United States limited to 6 weeks per 180 days.

What Is Not Insured?

As in any insurance, some things are not covered. Here are the things that Genki Insurance doesn’t insure:

• Pre-existing conditions
• Dangerous activities like motorcycle and car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering, free climbing, and diving
• Accidents and illnesses caused by excessive consumption of alcohol or drugs
• Anything not medically necessary

As mentioned before, you get two options when it comes to deductibles.

Coverage In Your Home Country

The coverage in your home country is limited to 6 weeks per 180 days and only includes accidents or life-threatening emergencies.

Waiting Period

The first 14 days of coverage are limited to accidents and life-threatening emergencies.

While you can still purchase Genki after departure, this will limit the attempts to get insurance for unnecessary medical treatments.

Who Is Genki For?

Genki is an excellent medical insurance for long-term travelers, digital nomads, and backpackers.

That said, it’s important to note that depending on your age, the plan price will change. At the moment, Genki only covers travelers up to 49 years old.

We’ll discuss pricing in the next section, so keep reading to learn more.

Genki Plans And Costs

Let’s take a look at the plans offered by Genki and, more importantly, what you expect in terms of pricing.

The pricing depends on your age, regions covered, and deductible option.

In short, the price starts at €35.70 per month but can change depending on the options chosen. Let’s have a look!

Here’s the price per month if you’re between 0-29 years old:

• Worldwide (excluding Canada and the USA) with a €50 deductible: €35.70
• Worldwide with a €50 deductible: €72.30
• Worldwide (excluding Canada and the USA) with no deductible: €45
• Worldwide with no deductible: €83.10

Here’s the price per month if you’re between 30-49 years old:

• Worldwide (excluding Canada and the USA) with a €50 deductible: €54.60
• Worldwide with a €50 deductible: €108.60
• Worldwide (excluding Canada and the USA) with no deductible: €65.10
• Worldwide with no deductible: €128.70

Now, when it comes to payment, you’ll have to pay the first month immediately. Then, the automatic monthly payments will start one month after your cover starts.

You can pay with a credit or a debit card.

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Pros And Cons

Now, let’s take a look at the pros and cons of using Genki when traveling.

• You can purchase insurance even if you’re already on a trip.
• The price is very affordable compared to most insurance providers.
• The insurance can cover you everywhere in the world if you pick the Worldwide option.
• You get limited coverage in your home country for 6 weeks per 180 days.
• Even if you pick the option with the €50 deductible, it’s still affordable compared to other providers, like SafetyWing .
• There is no coverage after 49 years old (for the time being).
• There’s no “travel coverage” that can help with luggage or trip cancelations issues.
• The coverage doesn’t include dangerous activities like scuba diving. If you decide to go ahead with Genki, purchase insurance with the scuba diving center to cover your dives.

How Does Genki Compare To Other Travel Insurance Providers?

In my opinion, Genki is more of health insurance than travel insurance as it doesn’t cover issues with luggage, personal items, or flights.

That said, a few things set Genki apart from other travel insurance providers:

• The price is affordable, especially for long-term travelers.
• You can buy insurance after departure, and you can cancel anytime.
• Genki can offer coverage everywhere in the world.
• You get coverage in your home country for 6 weeks per 180 days.

How To Buy Genki Insurance

Buying Genki travel insurance is straightforward. First, head to the website and pick a plan according to your age. Then, enter your personal information to receive a free quote.

You can decide what coverage you’d like and remove the deductible if you wish. Then, you can proceed to buy the insurance.

Once the trip starts, you’ll have automatic monthly payments, and you can cancel anytime.

Get insurance now

Genki Vs SafetyWing: Which Is Better?

Genki and SafetyWing are two providers aiming to protect long-term travelers.

Let’s take a look at their main differences:

• Price: Genki is more affordable per month, but only if you’re less than 29 years old. Once you’re more than 30 years old, SafetyWing becomes cheaper.
• Coverage: Genki can cover you everywhere in the world, while SafetyWing has a few exceptions, like Cuba, Iran, Syria, and North Korea.
• Deductible: Genki offers a €50 deductible on its plans and a no-deductible plan, while SafetyWing has a deductible of $250.
• Automatic monthly payments: Genki charges you on the same day each month, while SafetyWing charges you every 28 days, resulting in 13 times per year instead of 12 times per year. That said, you may want to add the sums up to see which one is cheaper.
• Travel coverage: Genki covers medical issues but doesn’t cover travel delays, trip interruptions, or luggage issues. SafeyWing offers travel coverage too.

So, which one should you pick?

It depends on your needs, budget, and the type of coverage you’re looking for.

If you need travel protection like flight delays or luggage coverage, SafetyWing might be a better choice. You can learn more by reading our complete SafetyWing review .

If you’re on a tight budget and need medical insurance, Genki is your best bet.

Learn more by reading our comparison between Genki and SafetyWing .

Final Thoughts On Genki Insurance

Genki is a great option for budget-conscious travelers who need medical insurance. The price is affordable, and you don’t have to pay extra for coverage in your home country.

That said, Genki is not really a travel insurance as it doesn’t cover trip delays or lost luggage.

If you’re looking for a full-fledged travel insurance provider, take a look at SafetyWing .

If you’re happy with the coverage offered by Genki, head to the website , pick a plan according to your age, and get coverage. It’s fast and straightforward!

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• Best eSIM for international travel
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