Nomad health insurance that works when it matters

Sign up in minutes from anywhere. Claims paid in hours, not weeks.

Get covered now
No lock-in. Cancel anytime.
Genki travelers

Explore the world

No need to tell us where you're going. Just go. We've got you covered.

We've covered it all. Everywhere.

Every one of these happened to a Genki member. Every one was covered.

🛵

Scooter crash in Thailand

Hospital called our hotline, we paid directly. No paperwork.

🦟

Dengue fever in Bali

Five days in hospital. Full stay covered, reimbursed in 3 days.

👂

Ear infection in Vietnam

Clinic visit in HCMC. Claim submitted online, money back in hours.

🏄

Surfing accident in South Africa

MRI, specialist, and physio all covered. Yes, we cover surfing.

🦶

Broken foot in Spain

ER, X-ray, cast, crutches, and follow-up. Covered start to finish.

🦠

COVID-19 in Colombia

Doctor, medication, and extended stay covered in Medellin.

★★★★★

Rated 4.0/5 on Trustpilot (825+ reviews)

60 , 000+

Nomads covered across 196 countries

★★★★★

"Claim submitted at 11:00, reimbursement confirmation received at 11:01. Highly recommend for digital nomads."

P

Pierre

Trustpilot, Mar 2026

★★★★★

"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."

DC

David C.

Trustpilot, Dec 2025

★★★★★

"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."

H

Haider

Trustpilot, Oct 2025

★★★★★

"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."

AB

Alex B.

Trustpilot, Dec 2025

★★★★★

"Best insurance. Very quick and always kind and understanding. I never had any issues and been with them for almost three years."

DF

Dominique F.

Trustpilot, Jan 2026

★★★★★

"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."

C

Charlotte

Trustpilot, Nov 2025

Read all 825+ reviews on Trustpilot →
Get covered

Take care of your health

We cover necessary medical treatment. 24/7 emergency assistance hotline.

How claims work

We handle the hospital.
You handle getting better.

Sarah

I just crashed my scooter in Chiang Mai and I think I broke my wrist. What do I do?
Sarah
Genki

Lisa from Genki

I'm sorry to hear that! The closest hospital to you is Rajavej Chiang Mai. Head there now and ask them to call our 24/7 hotline. We'll sort everything out directly with the hospital. You won't have to pay a thing.

Sarah

Wait, I don't have to pay upfront?
Sarah
Genki

Lisa from Genki

Not at all. For hospital stays, we pay the hospital directly. Just focus on getting better, we'll handle the rest.

For a doctor's visit?

Visit doctor

Send claim form

Paid within 2 weeks

Get well soon

Two plans, one mission

Pick the cover that fits your life

Genki Native

Complete worldwide health cover

€189 / month

Example price for a 30-year-old with no deductible

  • ✓ Stay covered for life (1 year minimum)
  • ✓ Treatment at any doctor or hospital
  • ✓ Hospitalization, accidents & emergencies
  • ✓ Medical transport & repatriation
  • ✓ Preventive check-ups, tests & vaccines
  • ✓ Dental care & cleanings
  • ✓ Vision exams, glasses & contacts
  • ✓ Pregnancy, childbirth & postpartum care
  • ✓ Full cover in your country of citizenship
Genki Traveler

Add-on health cover for travel

€63.90 / month

Example price for a 30-year-old

  • ✓ Flexible cover for up to 12 months
    (you need other long-term health cover)
  • ✓ Treatment for new illnesses & injuries while traveling
  • ✓ Hospitalization, accidents & emergencies
  • ✓ Medical transport & repatriation
  • ✓ Up to €1,000,000 coverage
  • ✓ Sports covered including surfing, diving, skiing
  • ✓ Sign up even if you're already abroad

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.

Find my plan
Choose any doctor

Choose any doctor

We cover treatment at every licensed healthcare provider worldwide.

FAQ

We have 825+ 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.
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.
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.
Traveler does not cover pre-existing conditions (symptoms or diagnosis within the past year), routine dental, mental health, maternity, or preventive care. Native Premium covers all of those. Neither plan covers extreme sports like BASE jumping or wingsuit flying, trip cancellation, lost luggage, theft, or personal liability.
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.
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.
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.
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."

Get covered in minutes

Sign up online, even if you're already abroad. Cancel anytime. No lock-in contracts.