A complete guide to travel health insurance for digital nomads, covering the terms and definitions insurance providers use, and how they apply to Genki Traveler and Genki Native.

Genki offers worldwide short-term travel health insurance & long-term international health insurance for digital nomads.
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Summary

🛟 Travel Health vs. International Health Insurance

The difference between travel health insurance and international health insurance is one of the most confusing topics that this article aims to demystify. There are significant differences in costs, range of cover, and length of cover. Read more.

What’s the difference between travel and international health insurance?
Travel health insurance and international health insurance sound like twins but behave very differently when you actually need care. Here is the side-by-side comparison for long-term travelers.
Genki Guide for Digital NomadsSarah Kuhlemann
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The following articles explain travel health insurance.

🌏 Region of cover

Depending on your travel behavior, there are a few points to consider when choosing travel health insurance. How long is a trip in your home country covered, for example? Read more.

Region of cover
Local, single-trip, multi-trip, or worldwide? The region of cover decides where your travel health insurance actually works. Here is how the options differ and which one fits how often and how far you travel.
Genki Guide for Digital NomadsSarah Kuhlemann

📆 Period of cover

Many travel health insurance providers cover only short-term travel. But there is more you should consider when choosing your insurance. Read more.

Period of cover
How long does travel health insurance cover you? Here is how the period of cover differs between plans, from 31-day standard cover to a full year, and why fixed start and return dates rarely work for nomads.
Genki Guide for Digital NomadsSarah Kuhlemann

🧸 Home country

Do you know what is meant exactly by the term home country? Travel insurance providers offer different home country cover. Read more.

Home country
Your home country decides a lot about your travel health insurance as a digital nomad. Here is what counts as your home country, how incidental home country cover works, and when to keep local cover.
Genki Guide for Digital NomadsSarah Kuhlemann

☔️ Inclusions & exclusions

What happens when you have a scooter accident in Bali? What if you drove without a helmet? Does travel health insurance cover pregnancy, an ear infection, or a broken tooth? What about tropical diseases? Read more.

Inclusions & exclusions
What does travel health insurance actually cover? Here is what inclusions and exclusions mean, which services a good plan should include, and which ones are usually excluded, so you can compare plans with confidence.
Genki Guide for Digital NomadsSarah Kuhlemann

🚧 Misconceptions

"Travel health insurance is too expensive" or "Travel health insurance doesn't cover out-patient treatments" are just 2 of many misconceptions. Read more.

Misconceptions of travel health insurance
Think you are too healthy for health insurance, or that it is too expensive? Here are four common health insurance misconceptions, why they are wrong, and what to consider when choosing a plan.
Genki Guide for Digital NomadsSarah Kuhlemann

⚙️ Pre-existing conditions

Chronic illnesses are most likely not covered by most travel health insurance providers. There is one crucial point you need to be aware of when it comes to pre-existing conditions, especially when renewing your policy. Read more.

Pre-existing conditions
Most travel insurance excludes pre-existing conditions. Here's what counts as one, how insurers typically handle it, and how Genki Traveler and Native compare.
Genki Guide for Digital NomadsSarah Kuhlemann

📎 Filing claims

In the event, you seek a doctor or you get medical treatment, make sure to follow this checklist. Read more.

Filing an insurance claim: step by step
Filing an insurance claim can feel like tax season- not fun, but necessary. Here is exactly what to do: itemized receipts, the claim form, reporting deadlines, and how Genki Traveler handles your claim from start to finish.
Genki Guide for Digital NomadsSarah Kuhlemann

🛟 Travel health insurance with Genki

Genki Traveler

A flexible, worldwide travel health insurance subscription for up to 1 year.

  • Who is this for: Frequent and long-term international travelers (like digital nomads) who want the freedom to go anywhere and to change plans on a moment's notice.
  • Region of cover: Worldwide cover, outside of your home country.
  • What’s covered: Up to €1,000,000 of medical care for unexpected injuries and illnesses. That includes doctor’s visits, treatment at public and private hospitals, emergency medical transport, and medically necessary return transport to your home country. It doesn’t cover prior health conditions, preventive care, dental, vision, or maternity care.
  • Length of cover: From one month up to one year. Monthly billing. Cancel anytime. You should have other long-term health cover in your home country.
Learn more
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Are you looking for a cover beyond travel health insurance?
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 USA).
  • Period of cover: No maximum, you can stay covered life-long if you wish. The minimum is one month, and you pay monthly.
  • 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 covers necessary medical treatment (inpatient and outpatient treatments) at any licensed doctor or hospital up to €3,500,000 per year. Genki Native Premium also covers preventive care/check-ups, plus dental, vision, maternity, mental health, and also includes full cover in your country of citizenship.
  • Monthly costs: Genki Native costs €189 per month (example price for Genki Native Basic for someone aged 24 with €0 deductible). The price depends on your age, chosen deductible, and the result of a medical questionnaire.
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