SafetyWing Travel Insurance Review: Pricing, Coverage, And Benefits For Travelers
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Genki Insurance Reviews: Comprehensive Guide to Pricing and Coverage
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Genki Insurance is a reliable health insurance solution for people living or traveling abroad, including digital nomads, long-term travelers, and expats.
Designed with a strong focus on long-term healthcare, Genki offers flexible plans that adapt to different international medical needs.
One of its major advantages is its ability to provide strong medical support in countries with extremely high healthcare costs—such as the United States.
For example, choosing the Genki Explorer Plan for three months costs around $300 total (approximately $100 per month), giving travelers worldwide emergency medical protection and peace of mind.
Key Features of Genki Insurance
- Global Coverage Flexibility
– Genki Explorer Plan: €48.30 per month (excluding the U.S. and Canada)
– Genki Native Plan: €180+ per month, depending on age and country - Easy Enrollment
You can sign up anytime—before leaving your home country, after departure, or even while already traveling. - 24/7 Assistance
Genki offers round-the-clock support for medical emergencies and policy-related questions. - Comprehensive Health Protection
– Genki Explorer Plan: Covers emergency medical care, hospitalization, accidents, and medical transportation
– Genki Native Premium: Adds preventive care, dental, vision, maternity, and mental health services - Healthcare-Only Insurance
: Genki focuses entirely on medical coverage.It does not include travel disruption benefits such as trip delays, cancellations, or baggage loss.
If you are traveling to destinations where healthcare costs are not extremely high, a more budget-friendly option like SafetyWing—at $56.28 per month with $250,000 in medical coverage—may be sufficient.
However, if your priority is strong long-term medical protection, especially for high-cost regions like the U.S., or if you want a reliable healthcare partner as a digital nomad, Genki Insurance is an excellent choice.
On this page, we provide a detailed explanation of Genki’s pricing plans and coverage—highly recommended for anyone preparing to travel to the United States.
Contents
What is Genki?
Genki Insurance is a global health insurance provider designed for digital nomads, expats, and frequent travelers.
Unlike standard travel insurance, which focuses on short-term trip protection, Genki specializes in long-term health coverage.
This makes it an excellent choice for people who spend extended periods abroad and need reliable, ongoing medical support.
Two Genki Insurance Plans
Genki Insurance offers two main plans: Genki Native for expatriates and Genki Explorer for long-term travelers and digital nomads.
Genki Native
Best for Expats & Long-Term Residents!
- Comprehensive Health Coverage
: Includes preventive care, chronic condition management, maternity services, and more—ideal for people settling abroad. - Long-Term Protection
: Designed for permanent or semi-permanent residents who need consistent access to healthcare services. - Chronic Care Support
: A strong option for individuals who require ongoing medical treatment.
Genki Explorer
Best for Digital Nomads & Frequent Travelers!
- Global Flexibility: Perfect for those moving between multiple countries and needing reliable healthcare worldwide.
- Emergency Medical Coverage: Covers urgent treatments, accidents, and hospitalizations during travel.
- Short-Term Commitment: No long-term contract required, offering flexibility for mobile lifestyles.
The Genki Explorer plan is the recommended option for digital nomads and travelers who live abroad for extended periods.
Below is a comparison of the key differences between the two plans.
By the way, Genki’s insurance plans do not require you to choose whether to include U.S. coverage—the plans automatically cover the entire world.
However, the monthly premium varies depending on the subscriber’s age.
Genki Insurance fees
Genki’s monthly premiums vary based on your age and the coverage conditions you choose.
The table below shows the pricing structure for the Genki Explorer plan.
| Conditions | 20-29 | 30-39 | 40-49 | 50∼59 | 60~69 |
|---|---|---|---|---|---|
| U.S./Canada limits + €50 deductible | €48.30 | €57.30 | €72.30 | €105 | €168.30 |
| U.S./Canada limits | €96.30 | €105.30 | €123.30 | €162.30 | €240.30 |
| €50 deductible | €96.30 | €114.30 | €156.30 | €231.30 | €378.30 |
| Unlimited coverage | €153.30 | €174.30 | €225.30 | €315.30 | €492.30 |
What Are the U.S./Canada Coverage Limits?
You can reduce your monthly premium by limiting your stay in Canada and the U.S. to a total of 42 days within six months.
If you do not plan to visit these countries, or only stay briefly, selecting this option can significantly lower your cost.
What Is the €50 Deductible Option?
The €50 deductible means you pay €50 per medical case, and Genki covers the remaining amount.
For example:
- Total medical cost: €1,000
- You pay: €50
- Insurance covers: €950
This option helps reduce the monthly premium while still offering strong protection.
Looking for a Budget-Friendly Alternative?
If you’re not visiting the U.S. and don’t need extremely high medical coverage, SafetyWing may be a more cost-effective option.
It costs $56.28 per month and offers $250,000 in medical coverage.
» SafetyWing Travel Insurance Review
Genki Insurance Coverage Overview
Here’s a simple and easy-to-understand overview of what Genki Insurance covers.
The table below provides a clear breakdown of the main benefits included in the Genki Explorer plan:
| Insurance Details | Insurance Limit |
|---|---|
| Treatment, including inpatient and outpatient treatment | Unlimitedness |
| Medicines, Pharmaceuticals, Bandages | Unlimitedness |
| Treatments to reduce tooth pain (including simple fillings and repairs to repair denture function) | €500 |
| Dental care required as a result of an accident | €1,000 |
| Initial response to outpatient psychomedical care | €1,500 |
| Inpatient emergency treatment for psychiatric and psychological disorders of the first occurrence | €20,000 |
| Transportation costs to the next hospital by an authorized emergency medical service | Unlimitedness |
| Medically effective and reasonable evacuation for the transfer of the insured person to his place of residence | Unlimitedness |
| Repatriation of the body of the insured person upon death | Unlimitedness |
| Deductible applicable only during your stay in the United States: For emergency room treatment, exemption in case of medical necessity or subsequent inpatient treatment | Unlimitedness |
| Insurance Extension in the Case of Extended Stay Abroad for Medical Reasons | 90 days |
Even if you don’t plan to visit Canada or the United States, Genki remains very affordable, starting at just €48.30 per month.
However, keep in mind that Genki is a medical-only nomad insurance. It does not include coverage for baggage, travel delays, or other trip-related losses.
Genki Insurance Reviews
Is Genki Insurance a reliable choice? Based on numerous user reviews and feedback from travelers, here’s a clear overview of what people like and dislike about the service.
Positive Reviews
Travelers often praise Genki for the following points:
- Unlimited Medical Coverage
: Users appreciate the generous medical benefits, including unlimited coverage for hospital visits and emergency care—even in high-cost countries like the United States. - Affordable for Younger Travelers
: The €48.30 monthly premium for people under 30 is considered very budget-friendly, especially with worldwide medical coverage included. - Flexible Monthly Subscription
: Digital nomads value the ability to pay month-to-month, since it allows easy adjustments without long-term commitments.
Negative Reviews
At the same time, some users point out the following drawbacks:
- No Coverage for Travel-Related Issues
: Genki does not protect against flight delays, lost luggage, or stolen personal items. For some travelers, this is a major limitation. - Limited U.S. and Canada Coverage Option
: The rule allowing only 42 days of coverage in the U.S. and Canada within a six-month period (unless you pay extra) can be inconvenient for long-term stays. - Waiting Period for Overseas Enrollment
: Some users are frustrated by the 14-day waiting period when enrolling while already abroad, as coverage does not start immediately.
Genki vs Heymondo vs SafetyWing
Choosing the right nomad insurance can be confusing, especially with popular options like Genki, SafetyWing, and Heymondo.
Below is a clear comparison of the key differences to help you pick the best insurance for your travel style, destination, and budget.
Genki
Monthly Premium
€48.30 (under 30, incl. U.S.)
Minimum Enrollment Period
1 month
Medical Insurance
Unlimited
Emergency Dental Care
€500 for pain relief, €1,000 for accident-related care
Flight delays
Whitout
Baggage coverage
Without
Waiting Period
14 days
(if joining abroad)
(if joining abroad)
Heymondo
Monthly Premium
– Including U.S.: $133.36
– Excluding U.S.: $113.05
– Excluding U.S.: $113.05
Minimum Enrollment Period
1 day
Medical Insurance
$5,000,000
Emergency Dental Care
$300
Flight delays
$450
Baggage coverage
$1,700
Waiting Period
72 hours
SafetyWing
Monthly Premium
– Including U.S.: $104.44
– Excluding U.S.: $56.28
– Excluding U.S.: $56.28
Minimum Enrollment Period
5 day
Medical Insurance
$250,000
Emergency Dental Care
$1,000Flight delays
$200Baggage coverage
Without
Waiting Period
None
(Immediate coverage available)
(Immediate coverage available)
Which Insurance Should You Choose?
Choose Genki, Heymondo, or SafetyWing Based on Your Travel Style.
Choose Genki if
- You need strong medical protection, especially for high-cost countries like the United States.
- You want unlimited medical coverage for both inpatient and outpatient treatments.
- You are a digital nomad or long-term traveler staying abroad for months.
- You don’t need coverage for baggage, flight delays, or trip cancellations.
- You want simple, health-focused insurance with global flexibility.
Choose Heymondo if
- You want balanced coverage, including medical expenses, baggage loss, trip interruption, flight delays
- You’re traveling to the U.S., where medical costs are extremely high.
- You prefer fast claims and a convenient mobile app.
- You need short-term insurance starting from just 1 day.
- You want higher medical limits
(up to $10,000,000 depending on the plan).
Choose SafetyWing if
- You want a budget-friendly insurance option.
- Your destination does not include the U.S., or you don’t need very high medical coverage.
- You want flexible enrollment starting from only 5 days.
- You prefer a simple plan focused on medical emergencies, limited dental care, basic travel benefits (flight delay only)
- You’re a digital nomad looking for the lowest monthly premium ($56.28/month).
» Best Travel Insurance: Our Top Pick Is SafetyWing at $56/Month
Important Considerations: What Genki Insurance Does Not Cover
Before choosing Genki Insurance, make sure you understand what is not included in its coverage. Genki focuses only on medical protection, so several travel-related risks are excluded.
Genki Insurance Limitations
- No coverage for flight delays, cancellations, or missed connections
- No compensation for lost or stolen belongings
- No baggage protection or coverage for personal money loss
- A 14-day waiting period applies if you enroll while already abroad
- The subscription renews automatically every month unless canceled
Genki is ideal for travelers who only need strong medical protection.
However, if you want coverage for baggage, trip interruptions, or travel delays, you may need to purchase an additional travel insurance plan or consider alternatives like Heymondo or SafetyWing.
Conclusion: Genki Is a Medical-First Insurance Solution
Genki Insurance is an excellent choice for digital nomads and long-term travelers who want strong medical protection, including unlimited coverage even in high-cost countries like the United States.
Its simple month-to-month subscription and reasonable pricing—especially for travelers under 30 (€48.30 per month)—make it highly attractive for those who prioritize reliable healthcare abroad.
However, because Genki focuses only on medical coverage, it does not include protection for flight delays, lost baggage, theft, or other travel-related issues. For travelers who want a more complete insurance package, this can be a drawback.
If your travel plans do not include the United States, we strongly recommend SafetyWing ($56/month).
*It offers both medical and non-medical coverage, providing a more balanced insurance plan for most international destinations.
Choose Genki if you want unlimited medical coverage and long-term health security.
Choose SafetyWing if you need a wider range of benefits, including protection for non-medical incidents like travel delays and lost belongings.
Easily check your insurance cost based on your travel plan!
ABOUT ME
I've been a nomad abroad for five years, traveling through 10+ cities across Europe. Right now I’m spending time in places like Paris, Venice, and Barcelona. I’ll be sharing simple, useful tips for living abroad.
