It took a long time for us to nail down our travel insurance provider. Every option we looked at seemed designed for someone taking a 10-day cruise or someone living full time in one country, not two people that sold most of their stuff and would be covering many different countries and had an indefinite return date.
We’re now 17 countries in to our adventure and have been insured by Genki since we started our trip. Read our Genki travel insurance review below to see if it’s the right choice for you too.
Why Most Travel Insurance Doesn’t Work for This Kind of Travel
The short version: it’s built around the assumption that you’re only going to be gone for a short period of time and that you’re only going to be in a small handful of countries.
Genki is different in that it’s genuinely built for open-ended travel. Monthly billing, no return date required, coverage that follows you across borders without a reset. The monthly billing and no return date being required were two aspects that really sold it for us.
What Made Us Choose Genki Travel Insurance
The thing that mattered most to us was actual medical coverage while we’re travelling: hospital stays, emergency treatment, evacuation if it came to that. We’re not worried about trip cancellation, lost luggage, or other options that our credit card or other travel insurance providers include for extra fees.
Genki’s Traveler plan covers that. And unlike a lot of nomad-focused options, it doesn’t quietly exclude the US. Genki is based in Germany, which meant we’d be covered under some of the strictest consumer protection laws in Europe, that reassured us when we were comparing options.
We haven’t had to file a claim yet. We hope we never do. But we’re glad we got it sorted before we needed it.
Is It Right for You?
If you’re on a one-week trip, your credit card coverage or a standard one-off policy is probably fine. We’re not here to oversell this.
That being said, if your trip is a few weeks or longer, they have plans starting at 1 month and going up to 12, with the option to renew after that. If that aligns with your trip timing then we’d recommend you choose Genki.
FAQ – Common Questions
Can I sign up if I’m already traveling? Yes. You can sign up from anywhere, even if you’re already on the road. That was actually one of the things that stood out to us when we were comparing options.
What is the coverage in my home country or the US/Canada? The US and your home country have some additional limits depending on the options you choose at sign up. That is worth reading through when you’re getting your quote if either of those matter to you.
Does it cover adventure sports? Yes, adventure sports are included at no extra cost. This was another benefit we loved, it covers scuba diving, trekking (up to 4000m/13,120 ft), surfing, and many other sports! There are some limits, so check the specifics if you’re doing something on the more extreme end.
What’s the difference between Genki Traveler and Genki Native? Traveler is a flexible monthly subscription for people need coverage while traveling abroad, that’s the one we’re on. Native is a more complete long-term international health insurance plan, covering dental, mental health, pregnancy, physiotherapy, and more.
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