I went to hospital in Kenya for consultation as felt very bad. I received the claim and the payment from Genki the day after on my bank account . Great Service

Easy and reliable, have used before and never any problems

Great experience so far (after 18 months and now a pregnancy). They are pretty fair with what they cover, approving or denying claims based on the rules without nitpicking. Reimbursements are quick and you usually get your money back within three days after filing a claim (awesome!). 100% recommend.

Great experience with Genki. Had three outpatient medical bills for a particular illness over the course of two weeks, totalling around 800 EUR. Sent the invoices each time and was approved within a matter of hours. Received payment links within 2 hours of being approved and the money arrived in my Revolut instantly. Highly recommended.

Setup a basic insurance for myself and my wife, and got a severe food poisoning in Indonesia right a month after getting Genki insurance.

Got treated, filled claim - got payout in 2 working days, saved around 500 usd for provided treatments. No issue with claiming whatsoever, can definitely recommend.

I'm travelling in Thailand, had my policy for 10 months. This was the first time I needed it for two separate outpatient issues.

Paid the bills up front and the claims process was super simple, ZERO issues and 100% of claims paid minus excess.

I was sceptical as the bills came to around $1300 and you hear horror stories of companies not paying.

Not with Genki. Highly recommended!!!

For their travel insurance it used to be my go to. I purchased it for several trips and the one time I had to use it, the experience was good.

The problem came when I was looking for an insurance that would cover me also in my home country. Since I travel a lot and even in the status, go back and forth between different states. In the USA, insurance is meant to be for a single state. So I liked the idea for a multi state, multi country policy.

While expensive the Genki Resident program they recommended to me sounded great. I told them exactly my requirements.

The problem came about, almost a year down the road, when I started to ask a few questions about coverage. I don't go to the doctor often and wanted to get some answers on waiting periods for vision correct (2 years on this policy). It was only then that I was told that covered, including waiting periods don't actually start until you leave your home country! So I paid almost $4,000 that year for nothing. I wasn't actually covered because I had to cancel my travel plans for that year.

They say this is in the fine print and that the representative should let you know but they did not and I asked enough questions that they knew the type of policy I needed. So I wasted $4,000 and had no coverage. I won't use them again for any other type of coverage because I won't do business with companies who behave like that. So I thought it only fair to let people know my experience.

If you just need it for travel, it may be fine but keep in mind that in the end, they are a business and look after their bottom line and won't always have your back.

Due to the importance of having medical insurance and the fact that I went a year without coverage, while paying for it, that could be a very dangerous and expensive situation, should there have been an emergency. They should have made it known up front.

Update 12/1/2026:

It doesn't appear you can directly respond to the companies response so just leaving an addendum to my existing review.

I appreciate their response but they do note that they didn't mention in our communications about the need to leave the country before coverage beings. The first time that was mentioned was when I asked an additional covered, nearly a year later. The fact remains that I still paid nearly $4,000 but was not covered. Not a single cent was offered in reimbursement, nor the option to put that towards future coverage, now that I am aware of the situation. So for all intents and purposes, I donated quite a bit of money to them. With the number of back and forth communications we had, I believe that should have been specifically mentioned. So my original rating still stands.

I’ve been using Genki because they market themselves as nomad-friendly, but when it comes to actual claims, they hide behind their underwriter (Squarelife) and ridiculous technicalities.

I cracked a perfectly healthy tooth on a hidden bone in my food in Egypt. It was an unexpected, sudden event. Squarelife denied the claim, stating that biting down on a hard object is an "occlusal injury" and not an accident.

According to them, for dental to be covered, you basically need to be hit in the face, fall off a bike, or be in a car crash. They explicitly told me that unless there is "impact to the jaw/face" or injury to other body parts, a broken tooth doesn't count.

The "Emergency Dental" coverage is practically useless for real-life scenarios. If you think you’re covered for eating mishaps, you aren’t. Avoid.

UPDATE: after this review they decided to refund me. Great but not the way it should work.

The same day I contacted them asking if they cover my surgery they informed me that my premium will double and started an investigation in my medical history, it took 2 weeks to know if my surgery was covered or not without any reply from them in this period. I was literally shocked. They claim, that this are unfortunate coincidences and finally will cover me ... I remain therefore in standby with my review considering that my plan is one of the best cost-effective products I can see on the market and hoping for the best.

I had an emergency. Everything worked well. I am really happy to have such a Good insurance

I have been using Genki for over a year and a half. I submitted 4 reimbursements, which took about 7 weeks to be paid, but they were all reimbursed. I didn't actually realize that they were in my PayPal account and thought they were still outstanding so I initially wrote a scathing review of their services and communication, but I'm withdrawing that. My apologies for the communication.

SCAM SCAM SCAM!
Do NOT get the insurance, they are just a using it as a cover.
I had a medical emergency come up, horrible neck strain that required multiple hospital visits for rehab.
Genki just tried to find ways to say it was pre-existing, when it was not. I even sent 2 medical certificates, and they just used garbage language not to pay out.
Is this has been worse, I would left in a dire situation.

Genki is asking to contact them in case of problems. But if someone has an emergency, no one has the time to contact anyone, Just go to a clinic or hospital.

I recently had a high fiver, I wrote to Genki that it might be Dengue as I am in Bali / Indonesia and I do not have other symptoms besides very high fever.

Here is what they AI automatic email answer wrote

Regarding dengue coverage: While dengue is generally covered under our travel insurance if it requires medically necessary treatment during your coverage period, we cannot guarantee specific treatment coverage without reviewing your individual case.

Later on I wrote again and always the AI replies. Luckily it said in the end that all is covered.
No idea if the request of reimbursement is working or not, have not initiated that.

I never write bad reviews, this is my first.

I'm a nomad. A normal dude, late 30s, SW Engineer, like to explore the world.
I also like to be properly insured.

I choose GENKI as health insurance.
I paid €300 / month, for about 2 years.

Their 2024 website registration-form had ONE “other disease” box … no way to list a past surgery I had, not a chance, not even a plain text field to write in stuff. I disclosed 100% I could.

After a year+ abroad, I had to get checked and needed an emergency surgery with a follow-up surgery. Both got denied by GENKI and I nearly died from it while waiting for their "support team" … kidding, in no way it can be called "support".

I organised and gave GENKI every single file they asked for, from doctors, hospitals, past insurance companies, … it was a huge task, all while in huge pain, waited months for approval.

Then, GENKI: “Policy void from day 1. We keep your money.”
Me: " … "

Again, their own form made full disclosure impossible.

So they then used my files against me, canceled retroactively, even blacklisted me in HIS, which is the worst you can do to a human being who is in a bad shape needing a health insurance.

The HIS-act alone shows the true face of GENKI.

In short: Pay, get sick, wait, comply, wait, … they cancel your policy. No refund. No help. Let abroad to suffer or die.

I had to pay everything myself, so WHY exactly did I get this all so great NOMAD HEALTH INSURER?
I was stupid ->
I trusted their ads (paid).
I trusting Influencers (paid).
All PAID content … it's all total bullshit, don't fall for it, do a quick research and you'll figure out.

Unfortunately when I registered with them, there were not so many horrifying stories about GENKI around, now there are, lots … what a scam.

GENKI = not insurance.
GENKI= Lying bastards ( I even met one of those shitheads abroad … fits right into the scheme) hiding behind German law.

Be warned, avoid at all cost … or cancel while you can.

The sign up process is quick and simple and the Traveller plan is great for digital nomads and long term travellers. When I had to make a claim it was handled so quickly and I was reimbursed without any issues. Really impressed

My family and I was loyal clients almost 2 years, I ones use insurance, when I had sharp pain in my tooth. I asked support in whatsapp, they told me it is ok, root canal treatment insurance covered. I made treatment, wait documents from clinic long time and than when I decided sent a documents my another tooth started had sharp pain. I asked support it will be another case or no, they told me it is another case and I can sent all documents toghether after treatment. When I sent documents from clinic company told me it is one case. How it can be one case? Different between compensation 3 times less. I dont understand. They just ignore information about different time to treat, different scenario, different tooth. Skip information from clinic. Just send me same information about dental treatment, which they violated. They sent different cases different 500 euro covered. BUT IT IS DIFFERENT TIME, DESCRIPTION FROM DOCTOR, DIFFERENT TEETH. RETURN ME MY MONEY BACK

I have Genki explorer travel insurance. I had a life-threatening medical emergency in Mexico and had to be hospitalised for over a week and they covered everything without issue. Extremely trustworthy insurance and personnel.

It was the second time that I was relying on Genki during travels. During my previous longer trip I got covered by them several times without a hassle, when I had health issues. This second time I was greatful that they also cover in more risky locations such as Kashmir where no other local insurances covered for me. I felt safe and protected during the whole trip! Thanks for that again!

Bought global health insurance (Genki traveller) as a young woman solo travelling.

I wanted to feel that I could seek medical advice should I fall unwell during my travels. A minor cold turned into a prolonged cough for 3+ weeks (coughing up blood), so I went to get seen thinking that my insurance would cover it (given it covers consultations / check ups). My claim was denied and Genki have been awful with providing any support - speaking to a human agent is just as helpful as speaking to the AI bot (ie, not helpful at all). Really disappointing and wish there were more options for young people travelling. I now don’t feel that I can seek medical attention abroad. I wouldn’t recommend using Genki and advise travellers to find an alternative that will hopefully be more supportive and actually insure you!

While I was with Genki for several years as a nomad I never had an issue with filing simple claims. I switched to their international plan which is actually quite expensive. I submitted a claim for glasses and they flagged that I didn’t answer a simple question on the medical questionnaire correctly and denied the claim. They offered me an exclusion or to cancel. I accepted the exclusion but then the way in which the questions were written on the questionnaire concerned me. I asked for clarity and never got a clear answer because at this point I was concerned I missed something. It is very unclear on what you need to report and their answers are elusive. I submitted a claim for a more serious issue and instead of covering it, still minuscule compared to the cost, they put it under review. At this point I just went ahead and canceled. The amount of money you spend for the plan compared to the payout and especially if you live abroad does not make sense. Find another company that is clear and up front with their services. There are too many options to deal with a company this insensitive and with no one to speak to directly by phone.