Genki - Insurance for Nomads Reviews 

978
TrustScore 4 out of 5

4.2

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Review summary

Created with AI, based on recent reviews

Considering 211 reviews, reviewers had a great experience with this company. Customers frequently mention that they appreciate the remarkably quick claim payouts and smooth refund processes, noting that financial reimbursements arrive promptly during their travels. Consumers also find the customer support team exceptionally friendly, helpful, and consistently responsive whenever they need assistance or have questions about their coverage. However, some people mentioned experiencing frustrating difficulties with denied medical claims, unexpected coverage limitations, or dealing with overly complex documentation requirements. A few other reviewers were also deeply dissatisfied by unexpected international money transfer fees eating into payouts or stressful problems related to strict contract cancellations.

What people talk about most

Service

Clients share ambiguous opinions on service, with many reviewers praising the fast claim approvals, helpful... See more

Claim

Customers consistently note ambiguous experiences with claim processing, as many reviewers report fast and... See more

Customer service

Reviewers highlight ambiguous aspects of customer service, with many consumers praising the support team for... See more

Payment

Users describe ambiguous interactions with payment, as reviewers express deeply polarized experiences... See more

Response time

Consumers find response time to be ambiguous, as experiences vary widely depending on the situation. While... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Serious insurance company that operates pretty quickly. Unfortunately, they don’t cover eye and ear care, so that’s something to be aware of. Other than that, they’ve been quite effective and I have n... See more

Rated 4 out of 5 stars

I was backpacking for a few months and needed something flexible and budget friendly. Genki offered just that. Thankfully I didn't have any serious medical situations, but when I did need to go to the... See more

Rated 5 out of 5 stars

Recently tore almost everything in my knee, ACL/MCL/Meniscus and more. Genki has been there from the beginning. My claims from the emergency room and consulation so far have been processed and i'm wor... See more

Rated 5 out of 5 stars

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 an... See more


Company details

  1. Health Insurance Agency
  2. Travel Insurance Company

About Genki - Insurance for Nomads

Written by the company

Health Insurance for Digital Nomads

Every country. Any doctor or hospital. We've got you covered.

Your worldwide health partner

Written by the company

Made for Nomads by Nomads
We are a fully remote team working from around the world. We understand the challenges (and joys!) that come from leaving home, exploring new places, and living & working abroad.
Our Mission
We're here to make health easier and more accessible for digital nomads, expats, and world travelers. We're not an insurance company. We're your health partner, always there to support you in your journey, wherever it may lead.

24/7 Emergency Assistance

Genki members have access to a 24/7 emergency assistance hotline

Genki members have access to a 24/7 emergency assistance hotline
If you are hospitalized, call the hotline as soon as possible (or ask the hospital or a family member to call on your behalf). Our assistance team can guarantee payment to the hospital (otherwise they might refuse to start treatment until you pay cash) and have all the bills sent directly to us. They also monitor the quality of your care, and can arrange to transport you to another hospital or back home if needed.

Contact info

Promotion box for Genki - Insurance for Nomads

Genki Health Insurance for Nomads

Worldwide cover. Sign up in minutes, even if you're already traveling.

4.2

Great

TrustScore 4 out of 5

978 reviews

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This company invites their customers to review, whether positive or negative

Replied to 98% of negative reviews

Typically replies within 48 hours

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4.2

All reviews

(978)

228 reviews in the last 12 months

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Rated 5 out of 5 stars

Genki has been amazing ❤️

Genki has been amazing! Always reliable, safe and sweet customer support. I’ve been unlucky in Thailand with cysts and my partner with dengue and liver issues. They were the ones saying rather stay one day extra that not. It feels like they genuinely care. ❤️ always the insurance I will go with.

3 March 2026
Rated 5 out of 5 stars

Peace of Mind x 2

I have twice used Genki for covering medical emergencies during my overseas travels. Both travels lasted at least 9 months.

I have not made any claims during those travels, so I do not have any direct personal experience dealing with what happens if there is a claim. However, all dealings with Genki at least up to the point to needing to file claims has been excellent. I appreciate the responsiveness and clarity in communicating with Genki. I also appreciate the coverage: it gives me some peace of mind while on my travels.

9 January 2026
Rated 4 out of 5 stars

Good but expensive

Overoll I had a positive experience using this insurance for my travel.
I didn't have big claims, only the small ones, but it worked well.
The only reason I decided to move on with another insurance is the price. I asked them to add US/Canada coverage to my plan, and they said it would cost 168 € for one person. Another insurance is 2 times cheaper.

27 February 2026
Unprompted review
Rated 5 out of 5 stars

Easy simple process and refund in two days!

It was so easy to file the claim, took less than 15 minutes and then in two days the money was in my account! This is how insurance should work, I never had such a seamless painless experience, bravo!! Amazing insurance company!

27 February 2026
Rated 1 out of 5 stars

Very bad support when it comes to…

Very bad support when it comes to psychology treatmants. Even they say they cover it, it has specific regulations and everything must be super clear in a treatmant plan and they dont cover it easy. Trust me, try to talk with a doctor in a foreign country and try to explain what exactly you need (betterhelp sessions for example - never heard before). If its a private hospital they will not give a you treatment plan like Genki want. I tried it 2 times. In the end i have to pay everything by myself. I will not recommend Genki to anyone. Next time i will not sign there... its disappointing.

Additional it's getting more expensive during the last year and the website feels not professional.

23 February 2026
Unprompted review
Genki - Insurance for Nomads logo

Reply from Genki - Insurance for Nomads

Hi Matthäus,

Thank you for your feedback.

For clarity, mental health treatment under Genki Native is subject to a six-month waiting period, as clearly stated in the insurance conditions and available in the Member Center and Help Center.

Mental health life-threatening emergencies are covered, regardless of waiting periods, and 24/7 medical assistance is available in urgent cases.

Once the waiting period has passed, psychotherapy requires pre-approval. To assess eligibility, the insurer requires a medical report from a licensed medical professional outlining the diagnosis, relevant medical background, and a recommended treatment plan specifying the type and number of sessions. This is a standard requirement in health insurance, as insurers must evaluate medical necessity and coverage in accordance with the contract terms.

Requesting a diagnosis and treatment plan is not unusual, nor specific to one country or provider type. Licensed medical professionals, including those in private practice, routinely issue such documentation when treatment is to be reimbursed by insurance.

These requirements are defined by the insurer and apply consistently to all members to ensure fair and transparent claim assessments.

Members who need clarification on the documentation process can contact support for guidance.

Stay healthy 🌱
Pedro

Rated 5 out of 5 stars

Jets really helped me out

Jets really helped me out! I couldn’t
figure out how to switch from my
current plan to Genki Native Premium. Jets gave me the necessary steps so I
can do everything with ease. Thank you Jets and hope you keep doing what you’re doing!

24 February 2026
Rated 1 out of 5 stars

The people at Genki have no knowledge…

The people at Genki have no knowledge about the actual insurance company that is behind it - so they can't tell you when something gets denied or why - doesn't seem like a great idea to not be able to talk directly to your insurance. The people seem friendly enough but being denied insurance for 'back pain' is also kind of dumb.

10 January 2026
Unprompted review
Genki - Insurance for Nomads logo

Reply from Genki - Insurance for Nomads

Hi Juniper,

Thank you for taking the time to leave your feedback.

Genki Native is an international private medical insurance designed for long-term coverage, including the option of lifelong continuation. Because of this structure, medical underwriting is required before enrollment. This is standard practice across international health insurance providers and not specific to Genki.

Genki Native is insured by Squarelife. While we work closely with Squarelife and support our members throughout the process, underwriting decisions, including acceptances, exclusions, or denials, are made by the insurer. These decisions are based on established underwriting guidelines and medical risk assessments.

If you would like clarification regarding a specific underwriting outcome, our team is happy to coordinate with Squarelife to provide more detailed information.

Stay healthy 🌱
Pedro

Rated 5 out of 5 stars

A worry free health insurance

Easy to understand when Genki covers from and till, what and where in the world they cover. And when I had a claim I got the cover money paid out within a 10 days.

Overall I have had one less worry choosing them.

11 February 2026
Rated 5 out of 5 stars

Solid experience over 2 years

I used Genki health insurance for the last two years and had to submit several claims. They paid out and covered the costs each time, which is ultimately what matters most with insurance. Based on my experience, they’ve been dependable and trustworthy. Highly recommended.

25 November 2025

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