🌱
Genki offers travel health insurance & international health insurance for digital nomads and long-term travelers. Sign up anytime from anywhere in less than 1 minute. Be covered and safe. We take care of the rest!

When researching for the best possible travel health insurance, you might feel overwhelmed by the variety of insurance types.

There are many insurance companies out there, offering all sorts of services with terms and conditions, which are hard to compare or are written in a language hard to get your head around. In this article, we aim to demystify some of the common ambiguities.

🍿 Differences in regional cover  

Look at your travel behavior. How much do you travel or how nomadic are you? The frequency of changing countries and the number of countries traveling to will tell you, which type of insurance is needed, considering the regional cover.

🏡 Local insurance

Local insurance is the health insurance someone wants to have in the current country he or she is staying in. This type of insurance is great for expats, who live in one country more or less permanently. At least six months or one year.

Pros for local insurance

  • Local health insurance can be cheaper in many countries, for example for an expat living in Vietnam.

Cons for local insurance

  • Benefits, cover, and exclusions must be checked carefully.
  • Local laws and regulations can vary from country to country, or even state to state.
  • Some countries do not allow applying for local health insurance when traveling on a tourist visa.
  • It is possible that local insurance policies are written in the local language only.
  • When traveling frequently and changing countries, local health insurances need to be applied new in every new destination.

🏖️ Single-trip insurance

This insurance type, also known as standard travel insurance, makes sense for someone who is based in one country and wants to take a vacation in another country. This type of insurance is useful for already locally health-insured residents or expats who are based in one country and do not travel much.

Pros for single-trip insurance

  • Cheap option as it covers only a short period of time with only one country to cover.
  • Single-trip insurance as travel insurance often covers travel-related cases, for example, flight cancels, losses, and more.

Cons for single-trip insurance

  • In case of repatriation to the home country, the cover of the standard travel insurance ends normally, when arriving in the home country.
  • Additional health insurance in the home country or country of residency is needed.
  • The cover is limited to one country.
  • The cover is limited to emergency cases only.

✈️ Multi-trip insurance

This insurance type is an extended form of standard travel insurance and is useful for someone who is based in one country and wants to take a multi-country trip or multi-country vacation. The multi-trip insurance is suitable for someone who is already locally health-insured, either in the country of residence or the home country.

Pros for multi-trip insurance

  • Cheap option as it covers only a short period of time.
  • Applicants can choose between having a cover in USA & Canada included or excluded which impacts the fees greatly.
  • Multi-trip insurance in effect as travel insurance often covers travel-related cases, for example, flight cancels, losses, and more.

Cons for multi-trip insurance

  • In case of repatriation to the home country, the cover of the standard travel insurance ends normally, when arriving in the home country.
  • Additional health insurance in the home country or country of residency is needed.
  • The coverage is limited to emergency cases only.

🗺️ Worldwide insurance

When living the lifestyle of a full-time digital nomad, a full-time remote worker, or a global citizen, it is worth considering worldwide insurance. It should cover emergency situations around the world and comes with an extended period of cover.

This insurance type is suitable for you if traveling and being a digital nomad is your lifestyle.

💡
Genki World Explorer is a worldwide travel health insurance.

Pros for worldwide insurance

  • Long-term: If you sign up for international health insurance, the plan is mostly designed to cover you long-term. If you sign up for travel health insurance, the cover is mostly limited to 1 or 2 years.
  • Subscription: Find an insurance plan that offers a monthly subscription. Please check the terms of cancellation before you sign up for a policy.
  • Signup: Find an insurance company where you can sign up from being anywhere in the world and not be limited to signing up before traveling or being in your home country.
  • Home country cover: You want to find an insurance plan that covers you when you are visiting your home country.
  • Claim filing: Read through the process of how you can file a claim. It should be easy and straightforward.
  • Risk carrier: You want to find a health insurance plan, that is provided by an internationally renowned risk carrier.

Cons for worldwide insurance

  • Travel-related issues are not covered. For example, flight cancellations or losses. Tip: check with your credit card company or bank, oftentimes, your credit card comes with travel insurance anyway.
  • Typical international health insurance is not equal to travel insurance.
💡
Related topics we cover in this guide:
Travel vs. international health insurance
🌱Genki offers travel health insurance & international health insurance for digital nomads and long-term travelers. Sign up anytime from anywhere in less than 1 minute. Be covered and safe. We take care of the rest!Check prices hereThe difference between travel health insurance and international…
Home country - nomad health insurance guide
🌱Genki offers travel health insurance & international health insurance for digital nomads and long-term travelers. Sign up anytime from anywhere, and be covered and safe. We will take care of the rest! Sign up here.Definitions in the world of insurance policies can be overwhelming. When signing…
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.

🛟 Travel health insurance - Genki World Explorer

Genki offers travel health insurance for digital nomads and long-term travelers.

  • Region of cover: Worldwide. Every single country. Choose to flexibly include or exclude USA & Canada, depending on your travel.
  • Period of cover: With Genki World Explorer you are covered for up to 2 years. After 2 years, you can simply renew to a new plan.
  • Home country: Your chosen home country should be a country where you have no visa restriction and access to the national health system. However, visiting friends and family is covered for up to 42 consecutive days within 180 days.
  • Inclusions & exclusions: You are not only covered for medical emergencies but also for medically necessary treatments (ear infection, flu), initial mental health issues, and sports injuries. Pre-existing conditions and pre-existing pregnancies are not covered. Read more examples.
  • Monthly costs:  World Explorer costs you between 35,70 Euro and 128,70 Euro a month, depending on your age, the chosen deductible, and if you want to include or exclude the USA & Canada.