Your plans can change.
Your peace of mind stays.
A new city, a longer stay, a one-way ticket. Take your health cover with you.
Health insurance for a life abroad
A little less worry.
A lot more world.
For the places you’ll go. And the days that don’t go to plan. Get the care you need, even when you’re far from familiar.
Sign up in minutes. Even if you’re already abroad.
Make yourself at home. Anywhere.
Stay another month.
Take the scenic route.
We’ll come with you.
You don’t need your whole life mapped out. Just the freedom to enjoy it, and someone to turn to when you’re not feeling yourself.
Your plans can change.
A doctor you choose.
Not a list you’re given.
Go to a licensed doctor near you. Spend your energy getting better, not searching a network.
Far from home.
Never on your own.
When it’s an emergency, there’s someone to call. Day or night, wherever you are.
For the life you came for
More “let’s go.”
Less “what if?”
Keep saying yes
to the good stuff.
Surf mornings. Mountain weekends. Your favourite sports are included, with no extra add-on.
See what’s covered ↗
Leave the return date open.
Choose Traveler cover for one to twelve months, with the flexibility to cancel any month.
Sign up from where you are.
Sign up from abroad. No flight home just to sort your insurance.
Build a life.
Not just an itinerary.
With Native, settle in with long-term health cover that can renew for life.
On the not-so-good days
You get better.
We’ll take it
from here.
A hospital visit is stressful enough. Our emergency team coordinates with the hospital and arranges direct payment for covered stays.
What happens when you need care ↓
Someone in your corner.
24 hours a day.
Help with the hospital.
Help getting the care you need.
Help getting home, if you need it.
Focus on yourself.
Ask the hospital to call our 24/7 hotline. We confirm your cover and pay covered hospital costs directly, so you don’t have to front the bill.
See them. Send it. Get on with life.
Choose a licensed doctor, photograph your invoice, and submit it online. Native reimburses in three business days; Traveler allows up to two weeks.
Traveler has a €50 deductible per outpatient claim. Hospital stays have none.
Good company, wherever you go
Life happens.
Here’s who we showed up for.
60,000+nomads have travelled with Genki
“Claim submitted at 11:00, reimbursement confirmation received at 11:01. Highly recommend for digital nomads.”
“I was sceptical as the bills came to around $1,300 and you hear horror stories of companies not paying. Not with Genki. 100% of claims paid.”
“I had a life-threatening medical emergency in Mexico and had to be hospitalised for over a week. They covered everything without issue. Extremely trustworthy.”
“Great experience after 18 months and now a pregnancy. They approve or deny claims based on the rules without nitpicking. Reimbursements usually within three days.”
“Best insurance. Very quick and always kind and understanding. I never had any issues and been with them for almost three years.”
“The Traveller plan is great for digital nomads. When I had to make a claim it was handled so quickly and I was reimbursed without any issues. Really impressed.”
Wherever you’re headed
A few months away.
Or something more permanent.
For your next adventure
Genki Traveler
For your next chapter abroad.
€63.90/ month
Example for a 30 year old. Your price depends on age and destination.
Choose Traveler- Flexible cover from one to twelve months, cancel any month
- Up to €1,000,000 per person
- New illness and injury while travelling, inpatient and outpatient
- Medical transport and repatriation home
- Emergency dental to €1,000, physiotherapy up to six sessions
- Sign up when you are already abroad, up to age 69
- Requires long-term cover at home, public healthcare counts
For the long run
Genki Native
For a life that doesn’t fit in one country.
€189/ month
Example for a 30 year old with no deductible. Cover up to €1,000,000 a year.
- Renewable for life, minimum one year, ages 0 to 55 at signup
- Outpatient claims reimbursed in three business days
- Hospital stays, surgery, rehabilitation and inpatient psychiatric care
- Medication, medical devices and emergency transport
Need dental, mental health, maternity or routine check-ups? Those sit on Premium.
Not sure which plan is right for you?
Take our 2-minute quiz and get a personalized recommendation based on where you are, how you travel, and what you need.
A few things to know before you go
Peace of mind starts with knowing what your plan includes. These are the key limits; your policy terms have the full details.
Pre-existing conditions
Conditions with symptoms or a diagnosis in the twelve months before your policy starts.
Dental, mental health, maternity and check-ups on Traveler
Traveler covers new illness and injury. Native Premium adds routine care, with a twelve-month wait for dental and maternity.
Genuinely extreme sports
BASE jumping, wingsuit flying, bull riding and sports you are paid to compete in are excluded.
Anything that is not your health
This is health insurance. Trip cancellations, flight delays, lost luggage, theft and personal liability are not covered.
Two limits worth knowing about
US and Canada: emergency-only cover for the first seven days of each stay, with an upgrade available. Joining abroad without prior cover: a fourteen-day wait for routine care; emergencies are covered from day one.
Before you set off
Before you
choose.
Will Genki actually pay my claims?
We have 969 Trustpilot reviews and 77% of them are five stars. The most common thing people write about is how fast and straightforward the claims process was. For hospital stays, we pay the hospital directly so you never front the money. For outpatient visits like doctor consultations, submit your claim online and reimbursement typically lands within days.
What's the difference between Traveler and Native?
Genki Traveler is a travel health add-on for people who already have long-term insurance at home (including public healthcare like Spain's Seguridad Social or the UK's NHS). It covers new illnesses and injuries while you're abroad for up to 12 months. Genki Native is full international health insurance that replaces your home coverage entirely, with options for dental, mental health, maternity, and preventive care.
Can I sign up if I'm already abroad?
Yes. Most insurers require you to sign up from your home country. Genki doesn't. You can enroll from anywhere in the world in minutes. The only catch: if you sign up abroad without prior coverage, there's a 14-day waiting period where only emergencies are covered. After that, your full plan kicks in.
What's not covered?
Traveler does not cover pre-existing conditions (symptoms or diagnosis within the past year), routine dental, mental health, maternity, or preventive care. Native Premium adds dental, mental health, maternity, and preventive care, subject to policy terms and waiting periods. Neither plan covers extreme sports like BASE jumping or wingsuit flying, trip cancellation, lost luggage, theft, or personal liability.
I already have public health insurance at home. Do I still need Genki?
Your public insurance (like Spain's Seguridad Social, Germany's GKV, or the UK's NHS) typically has limited or no coverage outside your home country. Genki Traveler works as an add-on to your existing public plan, covering you worldwide at any licensed doctor or hospital. If you're moving abroad permanently, Genki Native can replace your home coverage entirely.
What happens if I need to go to the hospital?
Go to the nearest hospital and ask them to call our 24/7 emergency hotline. We coordinate directly with the hospital and pay them so you don't have to. This works at any licensed hospital worldwide. We also cover ambulance transport by road, air, water, and rail, plus medical repatriation to your home country if needed.
Are sports like surfing, diving, and skiing covered?
Yes, by default. Both Traveler and Native cover climbing, cycling, diving, hiking, kitesurfing, mountain biking, martial arts, skydiving, skiing, snowboarding, and surfing. No add-ons or upgrades needed. The only exclusions are extreme activities like BASE jumping, bull riding, and wingsuit flying.
How fast do claims get paid?
Hospital stays are paid directly, so there's nothing to wait for. For outpatient claims, Genki Native reimburses within 3 business days. Traveler claims typically take up to 2 weeks, though many members report same-day or next-day reimbursement. One Trustpilot reviewer wrote: "Claim submitted at 11:00, reimbursement confirmation received at 11:01."
Go make yourself
some stories.
We’ll be here for the unexpected chapters.
Find my cover