Genki - Insurance for Nomads Reviews 863

TrustScore 4 out of 5

4.1

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Review summary

Created with AI, based on recent reviews

Reviewers are really happy with this company. Customers frequently highlight the effortless and simple process for managing health insurance, praising the quick and efficient handling of medical needs and claims. Many people appreciate the reliability of the assistance hotline and the speed of reimbursements, often receiving money within days of filing a claim. The customer support team is consistently described as friendly, helpful, and responsive, providing clear communication and personalized service. However, some customers have expressed dissatisfaction with certain aspects of the service. A few people noted that a €50 deduction is applied to every claim, regardless of its size, and some experienced delays or difficulties with claim payouts, with some claims taking months to process. There were also mentions of issues with the website not working properly for payments or enrollment, and occasional unresponsiveness from customer service.

What people talk about most

Service

People report ambiguous experiences with service. Many customers praise the service, highlighting its... See more

Claim

Clients share ambiguous opinions on claim experiences. Many reviewers report swift and smooth claim... See more

Customer service

Reviewers highlight ambiguous aspects of customer service. While many praise the quick, kind, and helpful... See more

Payment

Customers consistently note ambiguous experiences with payment. While some reviewers report quick and smooth... See more

Response time

Consumers find response times to be ambiguous. Many customers praise the prompt and compassionate responses,... See more

Reviews shaping this summary

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 4 out of 5 stars

Traveling and working remotely can be stressful, but Genki makes health insurance effortless. Their assistance hotline is incredibly reliable, and I was amazed at how quickly they handled my medical... See more

Rated 5 out of 5 stars

I don't write many reviews. I am beyond impressed with the service Genki offers. I've used other insurance companies in the past, and the claims process is long-winded; it almost puts you off cl... 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.

4.1

Great

TrustScore 4 out of 5

863 reviews

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Replied to 94% of negative reviews

Typically replies within 48 hours

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Rated 1 out of 5 stars

Be cautious with this insurance…

Be cautious with this insurance company. I used their service for 6 months and had just one doctor visit that cost €86. Out of that, they only reimbursed €10. They deduct €50 for every claim, no matter how small, and clearly try to minimize the refund.

On their website, they claim to cover specific treatments, but in reality, they denied reimbursement for something explicitly listed as covered. At €60/month plus €50 per claim, it’s simply not worth it, especially if you’re under 50. I strongly do not recommend this company.

June 27, 2025
Genki - Insurance for Nomads logo

Reply from Genki - Insurance for Nomads

Hi there,

Thank you for sharing your feedback.

Our travel health insurance plans — including Genki Explorer and Genki Traveler — apply a €50 deductible per insurance case, not per bill. This means the deductible is only applied once per illness or accident, even if multiple invoices are submitted. This is clearly explained during sign-up, in the policy documents, and in the Member Center. A €50 deductible is also below the industry average for this type of travel health coverage.

As for coverage, the insurance covers medically necessary treatments for new and acute illnesses or accidents that occur after the start of the insurance. This includes doctor visits, tests, examinations, surgeries, and prescriptions — as long as they meet the policy conditions. The assessment is always made by the claims team based on the terms and the medical information provided by both the customer and the treating physician.

If you’d like us to help clarify your specific case, feel free to reach out at help@genki.world.

Stay healthy 🌱
Pedro

Rated 5 out of 5 stars

Caroline

Caroline, as was Jet, proved superlative at her work...professional and efficient, assisting me as I navigated through the process. Excellent support.

June 25, 2025
Rated 5 out of 5 stars

⭐⭐⭐⭐⭐ 5/5 – Absolutely outstanding service from Genki

⭐⭐⭐⭐⭐ 5/5 – Absolutely outstanding service from Genki!

I recently signed up for Genki Traveler while preparing to apply for a Colombian visa as a European pensioner. From the moment I contacted them, I received exceptional support, both from their AI assistant and their human team.

Their AI was incredibly fast and helpful — honestly better than most human customer services I’ve dealt with — and when I needed a Spanish version of my insurance certificate for immigration authorities, they handled it immediately and efficiently.

The certificate was delivered fast, correctly formatted, and clearly outlined all the coverage needed (accident, illness, hospitalization, repatriation, etc.). This level of precision and responsiveness was critical for my visa application, and Genki exceeded expectations.

Also, the monthly flexibility and ability to cancel anytime is ideal for travelers who don’t know how long they’ll be staying. Add to that the quality of communication, and I can confidently say:
Genki is the gold standard in international travel health insurance.

Thank you, Jets and the whole Genki team. German reliability at its best 🇩🇪💪🏼



⭐⭐⭐⭐⭐ 5/5 – ¡Servicio absolutamente impecable por parte de Genki!

Recientemente contraté Genki Traveler mientras preparaba mi solicitud de visa colombiana como pensionado europeo. Desde el primer momento recibí un soporte excepcional, tanto por parte de su asistente virtual como del equipo humano.

Su inteligencia artificial fue increíblemente rápida y útil — sinceramente mejor que muchos servicios de atención al cliente tradicionales — y cuando necesité un certificado de seguro en español para las autoridades migratorias, lo gestionaron de forma inmediata y eficiente.

El certificado llegó rápido, correctamente redactado y con todos los elementos necesarios (accidente, enfermedad, hospitalización, repatriación, etc.). Este nivel de precisión y rapidez fue clave para poder presentar mi solicitud de visa, y Genki superó con creces mis expectativas.

Además, la flexibilidad de pago mensual y la posibilidad de cancelar en cualquier momento es ideal para quienes aún no saben cuánto tiempo se quedarán. La comunicación ha sido constante, profesional y clara.
Genki es, sin duda, el referente en seguros de salud para viajeros internacionales.

Gracias a Jets y todo el equipo de Genki. Fiabilidad alemana en su máxima expresión 🇩🇪💪🏼

June 24, 2025
Rated 5 out of 5 stars

Very good insurance being a digital…

Very good insurance being a digital nomad. They paid many claims, not all. But, their policy is clear so read what is covered. There customer service is very responsive. I would recommend Genki as a provider. I had the Native plan.

February 24, 2025
Rated 2 out of 5 stars

Everything was fine until I had to…

Everything was fine until I had to cancel a booking through Air Doctor. You pay for expensive insurance, but you’re still left to handle all the communication and paperwork on your own.

They also left this comment under other review:
“For emergencies that require hospitalization, we always offer direct billing, including any planned surgeries or inpatient care.”
That’s simply not true — they do not cover planned surgeries.

In my case, I was diagnosed with a hernia of the linea alba. The doctor confirmed that while it’s not yet critical, surgery is needed as soon as possible. Still, the insurance refused to cover it, claiming it’s a planned procedure.

February 1, 2025
Unprompted review
Genki - Insurance for Nomads logo

Reply from Genki - Insurance for Nomads

Thanks for sharing your experience.

If you haven’t already been in touch with our support team, we’d really appreciate the opportunity to review your case. Please feel free to reach out to us at help@genki.world. We’re happy to assist and can coordinate directly with our assistance and claims partners to make sure everything is properly assessed.

Just to clarify one important point:

✅ Planned surgeries can be covered — as long as they are considered medically necessary under your insurance plan.
“Planned” doesn’t mean “not covered.” It simply means the procedure isn’t an emergency. What matters is whether the surgery is necessary to treat a condition in a way that aligns with medical standards.

In your case, if the hernia diagnosis is new (i.e. not pre-existing) and a doctor has recommended surgery, we’d love to help you check how the claim was handled and make sure everything was reviewed fairly.

Looking forward to hearing from you

Stay healthy 🌱
Pedro

Rated 4 out of 5 stars

Very versatile insurance option

Very versatile insurance option, as long as you're not staying in your home country for too long. However, as far as international travel goes, it's an option with outstanding coverage at the cheapest prices I could find.

June 17, 2025
Rated 5 out of 5 stars

I have used this insurance for a whole…

I have used this insurance for a whole year, and it was the best insurance that I have used in all 15 years of my adventures and travels. The genki Insurance team was always in touch and always helped me solve any issue that was necessary very quickly and efficiently. I have always received compensation on time. I am very grateful to you, it’s been a great luck that my friend introduced you to me. thank you guys for such a good job, I really recommend you to my friends and random people I meet who’s searching for a good insurance. And for me personally while traveling it is very important to have good support from an insurance company because I never know what can happen. With you I feel really protected, thank you, thank you, thank you! All the best wishes for you! Hurray! 🥰🌺❤️😊🙏🏻🥹🌸😁👌🏻🌞🏆🏆🏆see u soon again

July 9, 2024
Rated 5 out of 5 stars

Everything with Genki was really easy

Everything with Genki was really easy. From the website you can subscribe and manage the policy and if you have any question, they will answer you very fast at the live chat. I used the policy during my trip since I had to go to the hospital for a serious infection. The process to request a refund was straighforward. I received the refund for both medical visits and medicines after a few days

June 11, 2025
Rated 5 out of 5 stars

Super easy process

The whole process of applying for an insurance was very easy and not complicated at all. The team is also very helpful regarding questions and requests, my email was replied within minutes, which is very impressive. I am very satisfied! Can recommend Genki for people going abroad (especially for the first time).

June 11, 2025
Unprompted review
Rated 5 out of 5 stars

Very fast and polite assistance

Very fast and polite assistance.
Had my account blocked cause of failure with the bank payment but with the help of the representative received important information how to renew the insurance and apply to have a cover by Genki.
The best insurance for digital nomads and people who travels a lot. Thanks to the team for a great job.
Regards

June 10, 2025

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