Genki Insurance Review 2025: An In-Depth Analysis For Nomads

Let’s be honest:

Finding good digital nomad travel insurance has always been a bit of a struggle. Confusing policies, sneaky exclusions, and customer service that disappears when you actually need help.

Sound familiar?

Genki Insurance is here to shake things up.

They’re offering top-tier travel medical insurance specifically designed for digital nomads, remote workers, and long-term travelers.

With Genki, you get:

• Coverage that doesn’t cut corners
• Friendly, responsive customer support
• Flexible monthly subscriptions that fit your lifestyle
• Competitive pricing that won’t break the bank

And most importantly…A fast, reliable claims process without the endless back-and-forth.

Too good to be true?

We’ve been using Genki Insurance for over 2 years.

In this deep dive, I’m going to unpack everything you need to know about Genki Insurance – what they get right, where they might fall short, and whether they’re a good choice for digital nomads.

Let’s get started!

Our Experience Using Genki Insurance

Before diving into our experience with Genki, some context:

I’ve spent the last 7 years traveling full-time across more than 40+ countries as a digital nomad.

During this time, I’ve personally used 5 different travel insurance providers and thoroughly reviewed 11 different insurance options specifically designed for digital nomads.

This extensive experience gives me a unique perspective to evaluate how Genki compares to other providers in real-world situations.

We’ve been using Genki Insurance for over 2-years traveling to places like Indonesia, Thailand, Sri Lanka, Vietnam, Japan, Portugal, Greece, Mexico, Guatemala and Colombia.

The list goes on and on…

Thankfully, we’ve never had to make an official claim. But we’ve had to seek clarification from the Genki support team several times.

What I really appreciate is that Genki strives to be as transparent as possible with their insurance policies.

They clearly explain what they cover and what they don’t cover.

They don’t strike us as a money-grabbing company that maximizes revenue while minimizing payouts. They genuinely want to offer quality travel medical and health insurance to people who need it.

Every time we’ve contacted Genki customer support, they’ve been clear and friendly. You can also sign up for Genki Explorer quickly and efficiently.

I once signed up for Genki while waiting to board a ferry from Bali to Nusa Lembongan. Didn’t want to get on that ferry without it!

The two big reasons we choose Genki Explorer are-

• They have almost no limits on emergency medical treatment
• The company is registered in Germany

We know that European insurance laws typically favor customers over insurance companies in the US. That made us feel extra confident.

Genki also has an excellent reputation and good reviews online. This was another reason we chose to go with them.

We really value our health. The strong focus on medical insurance for nomads (like us), is what made Genki stand out from their competition.

The rest of this Genki review is focused on what Genki offers regarding their insurance plans. Keep in mind that this review is not a recommendation for buying insurance from Genki. Think of it more as an overview.

You must do your own research and evaluate the options for yourself. At the end of the day, only you know if an insurance policy will work for you.

With all that in mind…Let’s get into it!

Who Is Genki?

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 traveler’s and remote workers.

They’ve insured over 40,000+ nomads from over 180+ countries.

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

All Genki insurance plans have maximum coverage for up to 1 year and can be canceled anytime. After the coverage period finishes, you can sign up again for another 1 year.

Genki 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.

Genki Insurance Plans

Genki offers two distinct insurance plans designed for different travel needs:

1. Genki Explorer – This is their flexible travel medical insurance that’s perfect for digital nomads and long-term travelers. It focuses on emergency medical coverage and accidents while you’re abroad.
2. Genki Native – Think of this as complete worldwide travel health insurance. It’s designed for people who want full medical coverage including regular check-ups, dental care, and ongoing medical treatment.

Let’s break down exactly what each plan covers…

Genki Explorer

Genki Explorer is one of the most comprehensive travel medical insurance plans for digital nomads and long-term travelers.

What makes it really stand out?

Short answer – Almost no limits on emergency medical insurance.

That means if you need serious medical treatment, you essentially won’t hit a payment ceiling. This is really rare for digital nomad travel insurance!

There are also a number of other inclusions that frequent travelers will benefit from.

What’s Covered By Genki Explorer?

Here’s a list of the benefits offered in Genki Explorer:

What’s really impressive is that Genki Explorer covers almost all adventure sports, including Surfing, skiing, snowboarding, kayaking, mountain biking, and hiking.

They even scooter accidents and crashes.

The only exclusion to this is dangerous sports such as parachuting, paragliding, bungee & base jumping, free climbing, and mountaineering. This also includes any sports that you are paid or compensated to play in.

But here’s why this is great…

Most travel insurance companies will charge you a lot to get adventure sports included in your plan (if they even cover it at all).

What’s more?

If you end up in the hospital for more than 5 days, Genki will even pay for a family member to visit you. They’ll cover their travel costs and accommodation up to €70 per day for a week.

That’s unique!

There is also some pregnancy coverage if you get pregnant while covered by Genki Explorer. This includes regular checkups through week 12, two ultrasound scans, emergency complications, labor and delivery (including midwife care), and post-birth care up to €50,000.

Keep in mind: There’s a 10-month waiting period for pregnancy benefits.

Genki Explorer Notable Exclusions

Like all insurance, there are some things Genki Explorer won’t cover:

The biggest thing to know about Genki Explorer is that it’s primarily travel medical insurance. That means you don’t get benefits like trip cancellation, lost luggage, or broken electronics.

There are additional add-ons that cost extra if you want to include them in your plan.

Here’s the bottom line…

Genki Explorer provides solid medical coverage for digital nomads, backpackers, and long-term travelers. It offers some of the most comprehensive medical coverage I’ve seen in a travel insurance provider.

Just ensure you understand the benefits and exclusions before signing up to make sure it’s right for you.

Genki Native

Genki Native is comprehensive international health insurance designed for digital nomads, expats, and remote workers who need more complete medical coverage worldwide.

The big difference is that Genki Native is health insurance.

That means that you get benefits like preventative care and checkups included in your plan.

It’s designed for digital nomads, expats and remote works who want comprehensive health insurance wherever they travel.

While you do pay monthly, Genki Native requires a minimum 12-month plan. That means once you start, you are locked for the year.

What’s Covered By Genki Native?

Genki Native comes in two plans:

• Basic
• Premium

They include different benefits depending on what you need. Here is an overview of both:

Genki Native Basic includes:

Genki Native Premium adds:

It’s impressive what Genki have been able to include here. And they are incredibly transparent in what’s included.

Do you like to adventure?

Genki Native covers you for ANY sport – yes, even the dangerous ones!

Climbing, diving, skiing, surfing – it’s all included.

The only exception is professional sports, where you get paid to compete.

When you sign up for Genki Native, you will go through an application process. Unlike Genki Explorer, you can’t just buy and check out online.

You will need to fill out the application and speak to one of their customer service reps.

It’s also incredibly important that you tell them everything and fill out your application accurately. Genki reserves the right to cancel your plan if they find out you HAVE NOT provided completely accurate information.

Genki Native Notable Exclusions

Here are some of the notable exclusions Genki Native:

How Much Does Genki Insurance Cost?

Genki has straightforward pricing that is easy to understand.

So, how much does Genki cost?

The end price you pay comes down to-

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

Below is a breakdown of the price for Genki Explorer and Genki Native.

Genki Explorer Price

These are the base prices for Genki Explorer based on age.

Age Range	Worldwide – Excludes US & Canada	Worldwide – Includes US & Canada
0 to 29	€48.30	€96.30
30 to 39	€57.30	€114.30
40 to 49	€72.30	€156.30
50 to 59	€105.30	€231.30
60 to 69	€168.30	€378.30

*Prices Per Month and Updated as of February 2024. © TwoTicketsAnywhere

There is €50 deductible regardless of age and is due on every claim.

Don’t want to pay a deductible?

Genki allows you to add a €0 deductible option to your plan. It will increase your plan cost by about €10 to €30 per month.

We don’t use the €0 deductible option. In my opinion, if you expect to claim less than once about every 5-6 months, it doesn’t really make financial sense.

But the option is there if you want it.

The other decision you must make is whether to include Genki’s benefits in Canada and the US. This almost doubles the amount you pay each month.

The reality is that medical care is much more expensive in Canada and the US. That means the risk is higher for insurance companies.

That means the price you pay also increases.

Genki Native Price

Staying true to style, Genki Native prices are also straightforward.

Genki Native starts at €180 per month for Basic, and Premium starts at €260 per month. This includes a €0 deductible.

Genki Native Basic	Genki Native Premium
From €180/month	From €260/month

*Starting Prices Per Month and Updated as of February 2024. © TwoTicketsAnywhere

Keep in mind that these prices exclude the US and Canada. While you can get coverage there, you will have to pay extra.

The minimum you can sign up for is 12 months, Which means you need to budget the payment each month for at least a year.

One of the coolest features of Genki Native is that you can visit your home country for up to 30 days per year and receive insurance benefits (excluding US and Canadian citizens).

That’s perfect if you want to drop in to see friends or family and still receive some benefits.

It’s limited to €250,000 per insurance year and explicitly restricted to “Life-threatening Emergencies & transport to another country.”

Overall, Genki offers excellent pricing and comprehensive coverage for international health insurance.

Think about it like this…

Compare Genki Native with the current amount you pay for health insurance in your home country (think social security, private insurance, tax, etc). Include the fact that Genki offers a €0 deductible (copayment) for Native.

Now, consider that Genki Native is essentially worldwide coverage (with some exclusions).

What does that really mean?

The price for Genki health insurance is very competitive.

What Makes Genki Insurance Unique?

Comparing insurance providers is hard work.

They never offer the same travel plans, so it’s nearly impossible to evaluate their policies head-to-head. In this section, I want to explain some of the unique aspects of Genki.

These are also some of the key reasons we use Genki to cover us while traveling as full-time digital nomads.

Worldwide Coverage

One of the best things about Genki insurance is that you get worldwide coverage. That means you can get treatment at any recognized healthcare provider around the world.

But there’s a catch with the USA and Canada…

Coverage in these countries is limited because healthcare costs are crazy expensive there. You’ll only be covered for:

• Life-threatening emergencies
• Medical transport to another country
• Up to 30 days per year
• Maximum of €250,000 per year

The good news?

You get full coverage pretty much everywhere else, with very few limitations. Just pick any doctor or hospital you trust and Genki will take care of the rest.

As digital nomads, this is a no-brainer for us.

We just subscribe to Genki and travel like normal. We have peace of mind about being covered with no need to constantly update them about where we travel.

Flexible Subscriptions

Most travel insurance companies make you pay for a full year upfront. Genki does things differently.

Here’s how it works:

• Pay monthly instead of annually
• Cancel anytime with no penalties
• Coverage runs for up to 1 year continuously
• Sign up from anywhere in the world
• No need to have a permanent address
• No need for a return ticket home

What’s really cool is that Genki bills you on the same day each month – not every 28 days like some competitors. That means you’ll get charged 12 times per year instead of 13.

I love this flexibility because it matches how digital nomads actually travel. No more paying for insurance you don’t need!

After that, you have the flexibility to extend, change the plan or cancel.

Great Medical Insurance

When it comes to medical coverage, both of Genki’s plans offer comprehensive benefits – but they work quite differently.

Genki Explorer (Travel Medical Insurance):

• No limit on emergency medical treatments
• Emergency dental up to €500
• Mental health coverage up to €20,000
• Emergency medical transport with no limit
• 24/7 emergency assistance
• Family member visits if hospitalized (€70/day)

Genki Native (Complete Health Insurance):

• Unlimited routine and emergency medical care
• Full dental coverage up to €2,000/year (Premium plan only)
• Comprehensive mental health coverage including therapy
• Preventive care allowance of €250/year (Premium plan only)
• Second medical opinions for serious cases
• Alternative treatments up to €500/year (Premium plan only)
• Direct billing with hospitals worldwide

The key difference?

Genki Explorer focuses on emergencies and accidents while traveling, while Genki Native gives you complete healthcare coverage including routine checkups and preventive care.

Both plans offer great value and medical coverage – just pick the one that matches how you travel!

When it comes to coverage, Genki offers some of the most comprehensive benefits I’ve seen for digital nomads. Especially for digital nomad health insurance.

Efficient Claims Process

Genki really shines when it comes to handling claims.

While most travel insurance companies can take months to process claims, Genki typically handles them in just 2-3 weeks. This is subject to change and often depends on the case.

Either way, that’s still very quick!

Here’s the claims process in short-

• File your claim through their online portal
• Upload your supporting documents
• Get a decision within 2 weeks
• Money transferred shortly after approval

That’s not all…

If you need hospital treatment, Genki can often handle direct billing with the facility. That means you don’t have to pay anything upfront or file a claim at all.

This is a huge improvement over other providers that can take 2-3 months just to review your claim!

Adventure Sports Included

Both of Genki’s plans are generous when it comes to adventure sports coverage.

Genki Explorer covers almost everything with only a small list of excluded sports:

• Diving
• Free climbing
• Parachuting and paragliding
• Motorcycle racing
• Base jumping
• Mountaineering (with equipment)
• Professional paid sports

Here’s the crazy part about this:

There are other insurance companies that advertise being the “travel insurance provider for people who like to adventure“. But when you compare them…

Genki often covers more sports and for far less!

This really is a massive benefit for people who are worried about medical expenses while doing adventure sports.

Genki Native goes even further and covers ALL sports except professional ones. That means you’re covered for:

• Any kind of diving
• All climbing activities
• Parachuting and base jumping
• Skiing and snowboarding
• Martial arts, including Muay Thai
• Surfing of any kind

The only catch? You can’t be getting paid to do these sports – that would count as professional sports and isn’t covered.

Think about it…

Let’s say you decided to a rafting adventure with some friends in Bali. For a lot of insurance companies, you would need to call and pay extra to be covered (if they even allow it).

But for Genki?

Get in the raft and have a good time knowing you’re covered. It doesn’t get much better than that!

Generous Home Country Coverage

Most travel insurance companies completely exclude coverage in your home country – but not Genki!

Both plans include some level of home-country coverage, which is a huge benefit for frequent travelers.

Genki Explorer:

• Coverage for up to 42 days in your home country per 180-day period
• Only covers accidents and life-threatening emergencies
• Must have left your home country at least once after starting coverage
• Perfect for occasional visits home

Genki Native Basic:

• Limited coverage in your home country like Explorer
• Subject to the same coverage limits as USA/Canada
• Only covers life-threatening emergencies and transport
• Maximum 30 days and €250,000 per year

Genki Native Premium:

• Full coverage in your country of citizenship (except USA/Canada)
• No time limits or restrictions
• All regular benefits apply including routine care
• Great if you spend lots of time at home

This flexibility is really valuable for digital nomads who like to visit home regularly. It means you don’t need to buy separate insurance just for those trips back home to see family and friends.

Just remember – with Explorer and Native Basic, plan your home visits carefully to stay within the time limits!

Pros & Cons of Genki Insurance

Here is a list of pros and cons for Genki Insurance to help you decide if it’s right for you.

Alternative Travel Insurance Options To Genki

Genki does have competitors.

Below is a general comparison of Genki’s top competitors so you can get a feel of how they stack up.

Genki vs SafetyWing

SafetyWing is Genki’s biggest competitor in the digital nomad insurance space.

Both offer subscription-based coverage, but there are some key differences worth noting.

These major differences I noticed for Genki Explorer vs SafetyWing Nomad Insurance.

Where Genki Stands Out:

• Lower deductible (€50 vs $250)
• No limit on emergency medical coverage (vs $250,000)
• Faster claims processing (2-3 weeks vs 4-7 weeks)
• More generous home country coverage
• Covers more adventure sports
• Monthly billing vs every 28 days (12 vs 13 payments per year)
• 2-year continuous coverage (vs 1 year)
• Slightly cheaper depending on age

Where SafetyWing Stands Out:

• Includes trip interruption coverage up to $5,000
• Covers lost checked luggage up to $6,000
• Includes travel delay benefits
• Free coverage for children under 10 (max 1 per parent)
• Deductible only paid once per 364 days

Bottom line: For better medical coverage and faster claims, then Genki comes out on top. But for other travel benefits like trip interruption and lost checked luggage coverage, SafetyWing might be better.

Want more details? Check out our complete SafetyWing review.

Genki vs Heymondo

Heymondo Long Stay insurance targets similar travelers to Genki Explorer.

But there are significant differences. Personally, I like some of the extras that Heymondo offers.

They’ve created a more “complete package” travel insurance for digital nomads, long-term traveler’s and remote workers.

These are the key differences I noticed:

Where Genki Stands Out:

• Lower deductible (€50 vs $250)
• No limit on emergency medical coverage (vs $2.5 million)
• Cheaper monthly premiums (starting at €39.30 vs $54)
• Faster claims processing (3-4 weeks average)
• Covers more adventure sports with fewer exclusions
• Monthly billing on same date (vs needing to manage renewals)
• Minimum 1-month payment (vs 90-day minimum upfront with Heymondo)

Where Heymondo Stands Out:

• Includes luggage coverage up to $1,200
• Travel delay coverage
• Missed connection flight coverage
• 24/7 medical chat through their app
• Covers replacement of lost official documents
• Free assistance calls through their app
• Quarantine accommodation coverage

Bottom line: Genki Explorer offers better value for medical coverage and simpler billing, while Heymondo provides more travel-related benefits and a better app experience.

If medical coverage is a priority, Genki looks like a winner, although Heymondo is very decent.

If you need comprehensive travel benefits, Heymondo could be worth the extra cost and hassle.

Genki Claims Process

As I mentioned before – Claims is an 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 coverage (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.

This is what it looks like inside the Genki Claims Dashboard:

According to Genki’s published claims data and verified Trustpilot reviews, claims verdicts are typically delivered within 2-3 weeks after filing.

This compares favorably to competitors like SafetyWing (4-7 weeks) and other major travel insurers who can take 5-12 weeks for claims processing.

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.

But after speaking with one of their reps, Genki seems to have a really solid claims process. They are also governed by European 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 599 reviews. That’s very high for an insurance company!

What’s more?

81% of all their reviews on Trustpilot are 5 star!

A good number of people have also left detailed positive reviews about how good the claims process was. These are very high Genki insurance reviews.

It’s an exxcellent 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.

So yes…

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

How To Sign Up For Genki

Ready to sign up for Genki Insurance?

If Genki Insurance sounds like a good fit for your needs, you can sign up directly through their website.

The process is straightforward and typically takes less than 10 minutes to complete.

My Final Thoughts On Genki Insurance

There you have it.

A complete Genki Insurance review.

Although Genki is relatively new to the digital nomad insurance world, they’re already making 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 coverage for electronics.

Ready to get started with Genki?

Signup here.

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

Genki Insurance