Highlights

🌏 Worldwide. We cover care in every country. Available to citizens of any country.

📆 Flexible monthly subscription. No long-term contract. Cancel anytime.

📱 Easy to sign-up (and cancel) in minutes, all online, from anywhere in the world.

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What’s included?

💶 Reimbursement for medical treatment with almost no cost limits. Direct billing to any hospital.

👨‍⚕️ Choose your doctor. We cover treatment at any locally authorized healthcare provider.

📞 24/7 medical assistance hotline. Medical rescue & transport.

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How does Genki Explorer compare to other travel health insurance?

• ⚠️ Travel insurance companies typically ask in advance which countries you plan to visit.

• ✅ We offer full flexibility when traveling with two simple options:

  • Worldwide – all countries

  • Worldwide – with limited cover in Canada & USA (saves up to 50%)

• ⚠️ Travel insurance is typically limited to a fixed period (often only a few months at most).

• ✅ We can cover any period from one month up to two years. We offer a flexible monthly subscription that can be canceled anytime free of charge.

• ⚠️ Travel insurance often excludes cover for pre-existing medical conditions that were diagnosed or treated within several years prior to the start of the insurance.

• ✅ We only exclude pre-existing conditions which you have received treatment or have sought medical advice within six months before your insurance starts.

• ⚠️ Travel insurance policies are typically limited to residents of certain countries.

• ✅ We can cover people from any country with the same price and benefits. No specific citizenship, residence, or mailing address is required.

• ⚠️ Travel insurance typically only covers a few sports & activities that are explicitly listed.

• ✅ We cover all sports by default unless excluded explicitly. We have only 8 exclusions and are working on reducing that number even further.

• ⚠️ Travel insurance is typically limited to medical emergencies only.

• ✅ We cover emergencies as well as non-emergency illnesses that need medical treatment.

• ⚠️ Typical travel insurance only provides reimbursement after medical treatment is over.

• ✅ We include 24/7 worldwide emergency assistance to help during emergencies. They set up direct billing, monitor the quality of treatment, and organize transfers when needed.

• ⚠️ Travel insurance often requires visiting an “in-network” hospital for direct billing.

• ✅ We offer direct billing for every hospital around the world.

• ⚠️ Typical travel insurance has a small overall cost limit, which can be easily exceeded if you travel over a longer period or require special/intensive care or medical transport.

• ✅ We have no overall limit in medical cost cover, apart from very few exceptions.

• ⚠️ Travel insurance typically doesn’t cover you at all in your home country.

• ✅ We cover emergencies in your home country (up to 6 weeks per 180 days).

• ⚠️ Travel insurance typically excludes pandemics, epidemic outbreaks, and countries with travel warnings.

• ✅ We cover the treatment of COVID, and there are no restrictions based on travel warnings, epidemics, and pandemics.

• ⚠️ Travel insurance typically excludes pregnancies even if they arise during travel.

• ✅ We cover pregnancies that arise during the covered period. We also cover emergency treatment for pre-existing pregnancies for mother and child.

• ⚠️ Travel insurance can exclude certain conditions, like sexually transmitted diseases.

• ✅ We cover sexually transmitted diseases that arise during the covered period.