The period of standard travel health insurance differs greatly between insurance companies. Some insurance companies ask for the exact start and return dates. Additionally, some even require to know the traveled country, which makes traveling inflexible.
🎒 Genki Explorer travel health insurance covers you for a period of 2 years. That is longer than many other insurance providers.
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This article explains travel health insurance.
📆 Period of cover
- Standard cover: Mostly between 31, 45, or 90 consecutive days.
- Long-stay cover: Mostly up to 18 months. Genki Explorer covers 2 years.
- Extension: Many insurance providers allow an extension of one month or more. It differs greatly among the different insurance providers.
🚧 Inflexible travel itinerary
Many insurance companies ask for the exact travel itinerary. But, digital nomads travel spontaneously and often don't know where they will end up 3 months from now. Occurring problems for nomads are:
- Nomads usually don't know their entire travel itinerary.
- Nomads travel spontaneously and want to keep bookings flexible.
- Traveling nomads want to stay flexible in extending their travels.
Tip: Do you have travel insurance with your credit card company? If yes, check the policy, if it comes with long-stay coverage.
🛟 Travel health insurance with Genki
Genki Explorer
- Who is this for: Short-term travelers and digital nomads with long-term health coverage at home.
- Region of cover: Worldwide. Every single country. Depending on your travel plans, you can choose to have full or limited cover in the USA & Canada.
- Home country: Your chosen home country should be a country where you have no visa restriction and access to long-term health coverage, like local health insurance or the public health system. However, visiting friends and family is covered for up to 42 consecutive days within 180 days.
- Inclusions & exclusions: Medical emergencies and medically necessary treatments (ear infection, flu), initial mental health issues, and sports injuries are covered. Pre-existing conditions and pre-existing pregnancies are not covered. See all benefits.
- Monthly costs: Genki Explorer starts from €48.30 a month (prices for ages 0-29). The monthly costs depend on the chosen deductible, and if you want to include or exclude the USA & Canada.
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Are you looking for a cover beyond travel health insurance?
Have a look at what Genki Native offers.
Have a look at what Genki Native offers.
☂️ International health insurance with Genki
Genki Native
- Who is this for: Digital nomads, expats, and other long-term travelers who want complete health cover.
- Region of cover: Worldwide (limited in Canada & USA).
- Period of cover: As long as you want. Life-long if you wish. The minimum contract is 1 year with a monthly payment plan.
- Home country: Genki Native is available for people from every country (even nomads without any legal residence). You can choose to have limited or full cover in your country of citizenship.
- Genki Native Basic: Genki Native Basic covers necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €1,000,000 per year. That includes accidents and emergencies, as well as common illnesses and injuries.
- Genki Native Premium: Genki Native Premium also covers preventive care/check-ups, plus dental, vision, maternity, mental health, and more. Genki Native Premium has no overall limit for medical costs and also includes full cover in your country of citizenship.
- Monthly costs: Genki Native starts from €180 a month (prices for ages 20-34). The monthly costs depend on the result of a medical questionnaire, your age, the chosen deductible, and the region of cover (incl. or excl. USA and Canada).
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Back to the health insurance guide
Online guide: Nomad health insurance explained in easy words.
Do you struggle to find the ideal travel health insurance? We explain different aspects and industry terms to help you make the best decision.
Sarah
