Most health insurance is built for people who stay put. Travel insurance is built for people who go away for two weeks and come home. Genki is built for the growing group in between: digital nomads, remote workers and long-stay travelers who spend months, or years, abroad without a fixed base.
Many of us already have travel insurance without thinking about it — it comes bundled with a bank card. We use Revolut’s ourselves, and for ordinary holidays it is convenient. But it is built for trips, not for living abroad: cover runs for up to three months per trip on the top Ultra plan and just one month on the others. Stay longer, and you are out of cover exactly when a sprained ankle, a dengue fever or a scooter accident becomes most likely. And with any bundled policy, the hard part is knowing which situation is covered, and where.
“I’ve also met plenty of travelers who think they’re covered with the travel insurance that comes bundled with some banking apps.” — Neville A. Mehra, co-founder of Genki, in his article for Locals Insider “We Built It for Nomads Like Us”
That is the gap Genki fills. It is a monthly subscription for longer, deeper trips — a month or more — with medical cover of up to €1,000,000 in any country for as long as you stay, and the exceptions written out plainly: limited days in the USA, Canada and your home country, and no pre-existing conditions. Anyone of any nationality can sign up online in minutes, even when already on the road.
My review of Genki insurance covers what Genki.World is, who stands behind it, what its two plans cover and cost, whether there is a promo code, and how it compares with SafetyWing, World Nomads and Cigna Global.
What is Genki?
Genki is a German insurtech based in Cologne that launched in September 2021 and has since covered more than 75,000 people from over 195 countries. It was founded by nomads for nomads: co-founder and chief marketing officer Neville A. Mehra has been traveling since 2012, and he tells the story of how Genki was built, and what most travelers get wrong about insurance abroad, in our interview “We Built It for Nomads Like Us”: Inside Genki’s Global Coverage Model.
Genki itself is the insurance agent — it designs the products, sells them and handles customer support. The insurer that pays claims is Squarelife, a digital-first insurer based in Liechtenstein, and the products are backed by the reinsurer Gen Re. That split matters: underwriting decisions and claim approvals are made by Squarelife, not by Genki’s support team.
Genki’s coverage plans and prices at a glance
| Genki Travel Insurance | Genki Traveler | Genki Native |
|---|---|---|
| Type | Travel health insurance | International health insurance (IPMI) |
| Best for | Trips of 1 month to 1 year | Living abroad long term, no home base |
| Price | From about €52/month | From about €180/month (Premium from €260) |
| Age at sign-up | 0–69 | 0–55 (no upper limit once a member) |
| Coverage limit | €1,000,000 per contract | No overall limit |
| Deductible | €50 per case (outpatient) | €0, €500 or €1,000 per year (outpatient) |
| Maximum length | 1 year | Long term, with lifelong continuation |
| Medical questionnaire | No | Yes |
Prices depend on your age, your deductible and whether you include full cover for the USA and Canada.
Genki Traveler: what it covers.
Genki Travel Insurance offers two main cover plans.
Genki Traveler is the product most nomads start with. It is health-focused travel insurance: it pays for medically necessary treatment of new illnesses and accidents anywhere in the world, from an ear infection or food poisoning to a scooter crash that ends in hospital.
- Worldwide cover with no time limit per country, within the one-year maximum.
- €1,000,000 overall limit for the contract.
- €50 deductible per case for outpatient treatment; hospital stays have no deductible, and the insurer can pay the hospital directly.
- You can start it abroad — no need to buy before you leave.
- USA and Canada: emergency cover is limited to the first 7 days of each stay unless you pay extra for extended cover; in the US there is a €100 co-pay per ER or urgent-care visit, waived if you are admitted.
- Home country: emergencies are covered for up to 6 weeks, once you have been abroad for at least 4 weeks.
Not covered: pre-existing conditions, mental health, maternity, routine check-ups and vaccinations, cosmetic procedures — and none of the classic trip extras such as lost baggage, flight delays or trip cancellation. Genki Traveler is medical cover, not a holiday policy.
Genki Native: long-term international health insurance
Genki Native is full health insurance for people who live abroad and want a replacement for national healthcare. It comes in Basic and Premium and adds what travel insurance leaves out: preventive care, dental, vision, mental health and pregnancy.
- Any doctor, anywhere, public or private — there is no network to stay inside.
- Deductibles of €0, €500 or €1,000 a year, applied to outpatient care only.
- Starts as early as 7 days after you apply.
- Maternity has a 12-month waiting period; sudden complications are covered straight away.
- Pre-existing conditions can be covered, but every applicant fills in a medical questionnaire and Squarelife decides what it accepts, excludes or declines.
- Basic vs Premium: on Basic, cover in your country of citizenship and in the USA and Canada is limited to 30 days, €250,000 a year and life-threatening emergencies. Premium gives full cover in your country of citizenship.
Genki Native vs Genki Traveler: what each plan covers
| Genki NativeComplete international health insurance | Genki TravelerFlexible health insurance that travels with you | |
|---|---|---|
| Length of cover | One month minimum, no maximum | Up to 12 months (you need other long-term cover) |
| Doctors & hospitals | Any doctor or hospital, private or public | Any doctor or hospital, private or public |
| Hospitalization, accidents & emergencies | ✓ | ✓ |
| Medical transport & repatriation | ✓ | ✓ |
| Preventive check-ups, tests & vaccines | ✓ | ✕ |
| Vision exams, glasses & contacts | ✓ | ✕ |
| Dental care & cleanings | ✓ | ✕ |
| Pregnancy, childbirth & postpartum care | ✓ | ✕ |
| Age to join | Up to 55 (no age limit once covered) | Up to 69 |
| Price | From about €180/month | From about €52/month |
Prices depend on age, deductible and whether you add full cover for the USA and Canada.
Genki promo codes, discounts and ways to save
Genki does not publish promo codes or discount codes on its website, and we have not found a valid public Genki promo code from any official source. Be wary of sites advertising “Genki coupons”: insurance premiums are set by the insurer and are rarely discountable.
You can still control the price:
- Raise the deductible on Genki Native, from €0 to €500 or €1,000, for a lower monthly premium.
- Leave out extended USA and Canada cover if you are not going there — it is the single biggest price lever.
- Pay monthly and cancel any time on Traveler, so you only pay for the months you are actually away.
- Choose Traveler rather than Native if you still have health cover at home.
Let’s compare Genki Travel Insurance with SafetyWing, World Nomads and Cigna Global
Genki vs SafetyWing. The closest rival: both are monthly nomad subscriptions with worldwide cover. Genki Traveler’s €1,000,000 limit and €50 deductible are more generous than SafetyWing Essential’s, and billing is in euros under European regulation. SafetyWing’s strength is simplicity and a US-dollar product familiar to American travelers. See our SafetyWing review.
Genki vs World Nomads. World Nomads is classic travel insurance for a defined trip, with cancellation, baggage and a long list of adventure activities. It is the better choice for a two-week holiday; Genki is the better choice for an open-ended stretch abroad. See our World Nomads review.
Genki Native vs Cigna Global. Both are international health insurance. Cigna Global is the established global brand with a large direct-billing network and a higher price; Genki Native is cheaper, fully online and built around people who move country often. See our Cigna Global review and AXA Global Health review.
For a side-by-side of every option, read our guide to the best digital nomad health insurance.
Who Genki is best for — and who should look elsewhere
Genki Traveler is best for digital nomads, remote workers and long-stay travelers who are abroad for at least a month, still have health cover at home, and want strong medical protection for accidents and new illnesses at a monthly price they can stop any time.
Genki Native is best for people with no home base — or no health cover to go back to — who want long-term insurance that moves with them, including dental, mental health and maternity.
Look elsewhere if you are going on a typical two-week vacation and want trip cancellation and baggage cover, if you are moving permanently to one country (local insurance is usually cheaper), or if you will spend long periods in the USA without paying for extended cover. As Neville Mehra puts it in our interview, Genki is intended for people traveling abroad for at least a month, and it is not well-suited to short trips or permanent emigration.
Our verdict
Genki is one of the strongest travel insurance options for long-term travelers in 2026. The Traveler plan gives generous medical cover for the price, the Native plan is a rare insurance that genuinely replaces a national health system for people without one, and the company is run by people who live the lifestyle it insures.
Its limits are clear rather than hidden: no trip extras, restricted cover in the USA and your home country, and no pre-existing conditions on Traveler.
Genki holds a 4.1 out of 5 rating from more than 800 reviews on Trustpilot.
Genki Traveler: €1M cover in 195+ countries from €52 a month
Treatment at any doctor or hospital worldwide, a €50 deductible, and a monthly subscription you can start even when you’re already abroad and cancel any time. Staying long term? Genki Native adds dental, vision, mental health and maternity.
Genki: one of the strongest options for trips of a month or more — generous medical cover for the price, built by nomads, with its limits in the USA and your home country written out plainly.
Genki Traveler covers up to 12 months, ages 0–69; USA and Canada limited to 7 days unless you add extended cover. 4.1★ on Trustpilot from 860+ reviews.
Prices and conditions are Genki’s published terms at the time of writing and depend on age, deductible and coverage region; check the policy documents on genki.world before you buy. This review is general information, not insurance advice.
Staying safe on longer trips
Insurance pays the bills when something goes wrong; the rest is about being reachable and getting help fast. A personal safety app such as bSafe or Noonlight puts SOS alerts and live location sharing on your phone, and a travel eSIM keeps you online the moment you land. A good VPN protects your banking on hotel and airport Wi-Fi. If Genki isn’t the right fit, compare it with the other plans in our best digital nomad health insurance guide, or browse all our travel insurance reviews.
