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SafetyWing vs Genki – Which is the Better Travel Insurance?

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Looking to compare SafetyWing vs Genki? When comparing SafetyWing vs Genki, while SafetyWing offers 1 kid per adult free, Genki Insurance has better global coverage for ages 0-69.

We give you a toe-to-toe travel insurance comparison in this guide below to help you decide on which one to get!

You can also read our full review of Genki to find out all the details of what is included and not in their travel insurance.

Travel insurance is an essential component of any trip, especially for long-term travelers and digital nomads. Among the many providers out there, two names stand out: Genki and SafetyWing.

Comparing SafetyWing and Genki

Between SafetyWing vs Genki, while SafetyWing offers 1 kid per adult free, Genki Insurance is a better choice for its global coverage for ages 0-69. Read here Heymondo vs Genki and Best Senior Travel Insurance

An Overview of Genki Travel Health Insurance

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Genki Travel Health Insurance is designed specifically for the needs of long-term travelers, digital nomads, and backpackers. Its flexible, monthly subscription model makes it an appealing option for those who need coverage for extended periods.

Genki Coverage

The Genki Explorer plan includes an extensive range of medical needs, such as medical treatment, COVID-19, sports injuries (excluding certain high-risk activities), assistance and direct billing, hospital visits, medical transport, repatriation, pregnancy, emergency dental treatment, initial mental issue treatment, and medication and materials. Home country coverage is limited to accidents or life-threatening emergencies for six weeks per 180 days.

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Genki Exclusions – Genki vs Safetywing

Genki Travel Health Insurance does not cover certain things:

Pre-existing conditions: Any medical condition that was known or should have been known before purchasing the insurance is not covered.

Dangerous activities: High-risk activities such as motorcycle racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering, free climbing, and diving are not covered.

Substance-related incidents: Accidents and illnesses caused by excessive consumption of alcohol or misuse of drugs are excluded from coverage.

Anything not medically necessary: Treatments, tests, medications, or procedures that are not considered necessary for the diagnosis, care, or treatment of a medical condition are not covered.

Genki Deductibles and Regions Covered

Genki offers two deductible options: full payment with no deductible or a €50 deductible per case. Coverage is available worldwide, with the option to exclude Canada and the USA.

An Overview of SafetyWing Travel Insurance – Genki vs Safetywing

SafetyWing, like Genki, caters to long-term travelers, digital nomads, and remote workers, providing coverage in 180 countries.

SafetyWing Coverage

SafetyWing’s coverage is broad and includes emergency medical treatment, COVID-19, eligible sports and activities, emergency dental treatment, emergency medical evacuation, trip interruption, lost checked luggage, and accidental death and dismemberment.

SafetyWing Exclusions

SafetyWing does not cover routine check-ups, preventative care, pre-existing conditions, injuries from extreme sports or activities, alcohol or drug-related incidents, or cancer treatment.

SafetyWing Deductibles

SafetyWing has a $250 deductible per certificate period.

Genki vs. SafetyWing: A Detailed Comparison

Now, let’s dive deeper into the key differences and similarities between Genki and SafetyWing, focusing on price, coverage, deductibles, and more.

Price Comparison – Genki vs Safetywing

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Genki vs SafetyWing Compared, Pricing per Age for Genki

Price with Genki Explorer starts at €35.40 per month and can vary depending on age. 

See the whole comparison below. 

SafetyWing’s pricing starts at $40 for 4 weeks for travelers outside the US under 39 years of age. However, the price varies depending on the age of the insured person.

Genki offers more competitive rates for individuals under 29, while SafetyWing becomes more affordable for those aged 30 and above.

Coverage Comparison

While both Genki and SafetyWing offer comprehensive health coverage, there are some distinct differences in their plans. Genki prioritizes extensive medical coverage, including COVID-19, hospital visits, medical transport, repatriation, and more.

On the other hand, SafetyWing also includes travel-related coverage such as trip interruption, lost checked luggage, and travel delays, which Genki does not provide. However, the fact that Genki covers initial mental issue treatment, pregnancy, and medication and materials gives it an edge for those prioritizing a wider range of medical coverage.

Deductibles Comparison

In terms of deductibles, Genki offers more flexibility with two deductible options: a €50 deductible or no deductible at all. On the contrary, SafetyWing has a flat $250 deductible per certificate period, which may be a drawback for some travelers looking for more options.

Payment and Subscription Comparison

Both Genki and SafetyWing allow for automatic payments. Genki charges monthly, providing a straightforward and easy-to-follow payment schedule. SafetyWing charges every 28 days, resulting in 13 payments per year instead of 12, which may seem less straightforward to some.

Age and Region Limitations

Genki now offers travel insurance for ages 0-69 and you can use it in any country around the world. 

In terms of regional coverage, SafetyWing covers 180 countries only but excludes a few, such as Cuba, Iran, Syria, and North Korea. Genki offers two coverage options: worldwide and worldwide excluding Canada and the USA.

Final Thoughts and Verdict on Genki vs Safetywing

VERDICT: Genki wins in this comparison.

Comparing SafetyWing vs Genki, while SafetyWing offers 1 kid per adult free, Genki Insurance is a better choice for its global coverage for ages 0-69.

When considering Genki vs SafetyWing, it’s clear that both insurance providers have their unique strengths. However, if comprehensive medical coverage, flexible deductible options, and a straightforward monthly payment plan are what you seek, Genki may emerge as the stronger option.

Genki offers an impressive range of medical coverages that include COVID-19, sports injuries (with exceptions), medical transport, repatriation, pregnancy, emergency dental treatment, initial mental health treatment, and medication and materials. This makes Genki a strong contender for those who are prioritizing a wide range of healthcare needs during their travels.

Moreover, Genki’s flexible deductible options provide a level of customization that SafetyWing lacks. Genki’s options for a €50 deductible or a no-deductible plan allows customers to choose the financial commitment that suits them best, which may be a deciding factor for many.

In terms of payment and subscription, Genki’s straightforward monthly payment plan is a plus point. The automatic monthly payments are easy to follow and manage, as opposed to SafetyWing’s 28-day billing cycle.

However, it’s worth noting that SafetyWing does cover more countries and offers insurance for individuals aged 50 and above, albeit at higher rates. Additionally, SafetyWing covers travel-related incidents such as trip interruptions, lost checked luggage, and travel delays, which Genki does not.

This might make SafetyWing more appealing to those who want a wider range of non-medical coverage in their plan.

While SafetyWing has its merits, Genki shines through for its comprehensive medical coverage, flexible deductibles, and straightforward payment plan, making it a winning choice for long-term travelers, digital nomads, and backpackers who prioritize these aspects.

Hope we were able to help you make the right decision and have safe travels! Let us know if you have questions.

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