I purchased Genki insurance for my entire family — 3 people in total.

Spoiler: if you are looking for an insurance solution that actually helps limit your medical expenses and gives you peace of mind, this product is probably not for you.

During my experience with Genki, I encountered the following issues:

1. A mismatch between what is advertised on the website and what the company later states when it’s time to process claims. Responsibility is constantly shifted to the underlying insurance provider and the contract terms, despite the promises made during the sales process.

2. The reimbursement process regularly becomes more complicated over time. Instead of simplifying support for customers, the process feels increasingly difficult and bureaucratic.

3. Representatives who seem more focused on minimizing costs than patient well-being. In my case, there were attempts to push for discharge from hospital observation as quickly as possible, regardless of the actual medical condition.

4. The price of the product was doubled during our cooperation, which felt unreasonable given the quality of service received.

5. The most frustrating part is the repeated unjustified claim denials. In several cases, reimbursements were only approved after 2–3 rounds of disputes and appeals. Yes, it is possible to challenge these decisions, but it is extremely unpleasant when the insurance company appears to invent questionable reasons to avoid covering legitimate medical expenses.

Overall, my experience with Genki has been disappointing. The idea and marketing look attractive, but the actual claims experience feels very different once you truly need support.

Clear and simple policy. It’s designed for customers to understand, not to trick the customers. With all documents, my claim was approved and in my account within a day. I’ve never had such smooth claims with any insurance company.

Everything looks simple at first. Then they get you to pay upfront, and when you ask for reimbursement, they demand impossible documents just to avoid paying you.

Quick, kind and clear replies. The staff is very professional.

One of the best insurance companies I have seen. Very good to communicate with. Absolutely fair conditions.

Genki has been there for me for years. The best insurer ever!

It was relly easy to sign up, got all the information about the insurance. I needed medicalcare at one pont and contacted Genki. Fast reply and easy to recieve the money back. Good trustworthy company.

Support was awesome - quick, reliable and refunds cam within one week.

I highly recommend Genki for anyone looking for hassle-free travel insurance. My experience with their claim process has been incredibly straightforward and fast, with approvals typically coming through within 24 hours. I have submitted several claims ranging from €20 to €500, and every single one was handled with the same level of efficiency. It is rare to find a provider this reliable and quick, and I cannot recommend them enough.

I've been a digital nomad for many years and one of Genki's earliest customers. I signed up back in 2021, the same year I joined the team (fun fact: Genki's founder and I first met at my coworking space in Hoi An in 2019).

Like many nomads, I started with travel health insurance. But at some point, I switched to international health insurance, which was one of the best decisions I ever made.

I was always healthy. No major illnesses. And then, in my late 30s, I was suddenly diagnosed with cancer.

I chose to stay in my partner's country and went through the full treatment there: surgeries, chemotherapy, radiation, and psychological support. The total cost was enormous. Genki covered everything.

Without having international health insurance before my diagnosis, cancer would now be a pre-existing condition and likely not covered at all. My international life would have been over.

Today, I'm cancer-free and back to my nomadic life.

If you are a nomad or expat reading this, please think about this:

- Where do you go if you get sick?
- Who is your social support system?
- What insurance do you have, and what is covered?

*Genki team members do not get special treatment or discounts. This is my review as a Genki customer.

Genki has been amazing. You won’t wait more than a day or two or for bigger claims 3-4 days. Support team is also incredibly available.

Fast and polite response. Clear instructions

Genki have lowered their coverage and increased the prices. I don't understand.
Terrible service.
They refuse your claim based on conjecture and not fact provided.

Product is sooo easy to use! The platofrm is intuitive, easy to understand and information is clear. I've been using the product for more than 4 years now and I haven't found another solution as good as Genki.

I highly recommend this travel insurance. They respond promptly and compassionately, and it feels like you are reaching real people, not a bot. Claim system works well and is swift.

I got injured in the last week of my insurance. I pay for everything, provided the information and they pay me back very quickly like in a couple of days.
But what it was very helpful, i had some issues with my bank to receive the money back from Genki, and they did everything possible to help me.

This is an excellent insurance service — easy to use, reliable, and very convenient. I had a great experience overall.
I will definitely purchase it again in the near future when I return to Indonesia. Highly recommended!

I just signed up with Genki and it is a very straightforward and easy
process. It feels good to be covered by Genki as I have read many great reviews about them.

Great they were kind and helped with what I needed I believed they are just bullshit but they handeld my claim in a great manner

I traveled around Thailand for almost two months. I felt safe with Genki. We’ll travel together again soon.