We offer two health insurance options made for digital nomads, expats, and traveling families:
- 🎒Genki Traveler travel health insurance
- 🌏Genki Native international health insurance
This article compares both options, so you can decide which one is right for you.
💡 Comparison Overview
| 🎒 Genki Traveler | 🌏 Genki Native Basic | ⭐️ Genki Native Premium | |
|---|---|---|---|
| 🛟 Type of insurance | Travel health insurance | International health insurance | International health insurance |
| 🏖️ Your need | Only for emergencies and medically necessary treatments | Everything Genki Traveler plus more services | Everything Genki Native plus preventive care |
| 🩴 Who can join | Any nationality, any resident, 0-69 years old | Any nationality, any resident, 0-55 years old at sign up, no age limit once covered | Any nationality, any resident, 0-55 years old at sign up, no age limit once covered |
| 🌏 Region of cover | Worldwide, option to limit/extend cover in Canada & USA | Worldwide (limited cover in USA) | Worldwide (limited cover in USA) |
| 🧸 Home country | Emergencies only, for the first 6 weeks of each home country stay. You must have been abroad at least 4 weeks before returning. | Full cover for 182 days from each arrival in your country of nationality, after at least 91 days in a row outside it | Full cover in country of nationality |
| 📅 Period of cover | Up to 1 year | No limit - from 1 month to life-long | No limit - from 1 month to life-long |
| 🤿 Covered sports | Almost all sports (excluding professional) | All sports (excluding professional) | All sports (excluding professional) |
| ☔️ Included services | Necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per insurance year. | Necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per insurance year. | Necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €3,500,000 per insurance year. Includes all benefits of Genki Native Basic as well as preventive care, dental, vision, maternity, mental health, and more. |
| 💶 Cost | €52.50 per month (age 24, €50 deductible, limited USA & Canada). Price depends on age, deductible, and region of cover. | €189 per month (age 24, no deductible). Price depends on age, deductible, and health questions. | €285 per month (age 24, no deductible). Price depends on age, deductible, and health questions. |
📅 How long do you want to travel?
- 🎒 Genki Traveler is for you if you plan on traveling for up to 12 months, and then you plan to return to your home country.
- 🌏 Genki Native is for you if you are living abroad or traveling perpetually, or if you have no plans to return to your home country.
🗝️ Do you have any other health care cover?
- 🎒 Genki Traveler works well as additional cover for traveling abroad up to one year, if you maintain long-term health care cover in your home country (like local health insurance or access to public health care).
- 🌏 Genki Native is the right choice for you if you do not have any other long-term health care cover, or if you prefer to be able to stay abroad and stay covered by Genki in case you need long-term medical care.
💡
Can I extend Genki Traveler more than one year?
No, you cannot extend Genki Traveler beyond the maximum period of one year.
When your Genki Traveler subscription ends (either because you choose to cancel it, or you reach the maximum period of one year) then any ongoing medical conditions and treatments will stop being covered.
You can sign up for a new Genki Traveler subscription, but any prior medical conditions (including those that may have been covered under a previous Genki subscription) will be excluded from cover.
That's why it is very important to maintain long-term cover in addition to Genki Traveler, in case you develop a chronic illness or other medical issue that requires ongoing treatment. If you do not have any other long-term health cover, then you should choose Genki Native instead.
No, you cannot extend Genki Traveler beyond the maximum period of one year.
When your Genki Traveler subscription ends (either because you choose to cancel it, or you reach the maximum period of one year) then any ongoing medical conditions and treatments will stop being covered.
You can sign up for a new Genki Traveler subscription, but any prior medical conditions (including those that may have been covered under a previous Genki subscription) will be excluded from cover.
That's why it is very important to maintain long-term cover in addition to Genki Traveler, in case you develop a chronic illness or other medical issue that requires ongoing treatment. If you do not have any other long-term health cover, then you should choose Genki Native instead.
🤓 Why do you want health insurance?
You are looking for cover just in case something happens
- 🎒 Genki Traveler is the right fit if you want insurance in case something happens, for example, emergencies, accidents, an ear infection, or food poisoning, and it covers you for up to 1 year.
You are looking for more coverage, for example, preventive care
- 🌏 Genki Native will cover emergencies, accidents, medically necessary treatments, all types of sports, medical transport to another country, and more. You are covered lifelong if you want.
- If you are looking for more cover, for example, preventive care like health checkups, alternative medicine or vaccines, then ⭐️ Genki Native Premium is your choice.
🩴 Who can sign up?
Our Genki health insurance products are made for everyone from every country.
- You can sign up while traveling.
- You can sign up without having a mailing address.
How old are you?
- 🎒 Genki Traveler covers people between 0 and 69 years old.
- 🌏 Genki Native and ⭐️ Genki Native Premium cover people between 0 and 55 years old at sign-up. There is no age limit once you are a member.
🌏 Where do you want to be covered?
- 🎒 Genki Traveler offers worldwide coverage, so every single country. Depending on your travel plans, you can choose to limit cover in the USA & Canada to save money.
- 🌏 Genki Native offers worldwide coverage, so every single country. With Genki Native, cover in the USA is limited to emergencies, and every other country, including Canada, is fully covered.
🧸 How is your home country covered?
- With 🎒 Genki Traveler, your home country is covered for emergencies only for the first 6 weeks of each stay. You must have been abroad at least 4 weeks before returning.
- With 🌏 Genki Native Basic, you're fully covered in your country of nationality for the 182 days after each arrival, after at least 91 days in a row outside it. With ⭐️ Genki Native Premium, you're fully covered there without restrictions.
💡
Exception: Care in the USA is covered only for a medical emergency, including its follow-up care, repatriation for care, and repatriation of mortal remains.
This cover applies only if the emergency starts in the USA within the 91 days that begin on the day you arrived, after at least 91 consecutive days outside of it. It ends when you become fit to travel, plus the 10 days that follow. Care in the USA is not covered during the first 3 months of your insurance.
Cover in the USA is limited to €250,000 per insurance year in Genki Native Basic and €500,000 in Genki Native Premium, and follow-up care to €12,500 (Basic) or €25,000 (Premium) per emergency.
This cover applies only if the emergency starts in the USA within the 91 days that begin on the day you arrived, after at least 91 consecutive days outside of it. It ends when you become fit to travel, plus the 10 days that follow. Care in the USA is not covered during the first 3 months of your insurance.
Cover in the USA is limited to €250,000 per insurance year in Genki Native Basic and €500,000 in Genki Native Premium, and follow-up care to €12,500 (Basic) or €25,000 (Premium) per emergency.
🤿 What sports do you do?
- If you want to be covered for all types of sports, then choose 🌏 Genki Native or ⭐️ Genki Native Premium. Every sport is covered if you are not participating as a professional (getting paid for it).
- 🎒 Genki Traveler covers sports, except professional sports, alligator wrestling, BASE jumping, bull riding, hunting, running of the bulls, train surfing, and wingsuit flying.
- Scooter and motorcycle accidents are covered with 🎒 Genki Traveler, 🌏 Genki Native, and ⭐️ Genki Native Premium as long as you wear a helmet when driving and have a valid license for anything stronger than a light motorcycle.
☔️ What medical care is covered?
All our insurance types cover
- Accidents, for example, scooter accidents
- Medical emergencies are situations in which you would typically call an ambulance
- Medically necessary treatments, for example, if you have an ear infection or the flu
- 24/7 medical assistance
🌏 Genki Native and ⭐️ Genki Native Premium cover
- All sports accidents include climbing, diving, paragliding, bungee jumping, and racing.
- Pregnancies are covered for severe complications and medically indicated termination
- Mental health inpatient treatments.
- Pre-existing conditions depend on the medical questionnaire you fill out beforehand.
⭐️ Genki Native Premium also covers
- Preventive care and health checkups, including vaccines, up to €500 per year after a 3-month waiting period.
- Pregnancies, including prenatal checkups, after a 12-month waiting period.
- Dental treatments, including pain relief and accidents, up to €3,000 per year. Waiting periods of 3 months for basic dental care and 12 months for crowns, bridges, dentures and implants. No waiting period after an accident.
- Vision care, including eye checkups, and glasses or contact lenses up to €250 per year after a 6-month waiting period.
- Mental health care, including talk therapy, psychiatry and therapy apps, after a 6-month waiting period. Psychiatry and talk therapy need prior approval.
- Alternative care, including massage, acupuncture, homeopathy, osteopathy, and chiropractic care, up to €500 per year.
💸 How much does it cost?
- 🎒 Genki Traveler costs €52.50 per month (example price based on 24 years, a €50 deductible, and USA & Canada limited to emergencies in the first 7 days). The price depends on your age, the deductible you choose, and whether you choose to limit coverage in the USA & Canada. The minimum subscription is 1 month.
- 🌏 Genki Native costs €189 a month (price example is based on 24 years, no deductible). The price depends on your age, the deductible you choose, and the result of the health questions.
- ⭐️ Genki Native Premium costs €285 a month (price example is based on 24 years, no deductible). The price depends on your age, the deductible you choose, and the result of the health questions.
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