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Heymondo vs Genki Travel Insurance: Which is Better?

Heymondo vs Genki Travel Insurance: Which is Better?

Heymondo vs Genki – When comparing Heymondo and Genki Travel Insurance, it’s important to understand that both companies cater to different aspects of the travel insurance market. While Heymondo shines with affordable rates and 24/7 support, Genki offers tailored plans for digital nomads and long-term travel.

Travel insurance is an essential consideration for any traveler, providing financial protection and peace of mind in the event of unforeseen circumstances. In this comprehensive guide, we will compare two leading travel insurance providers. We will examine their coverage, pricing, flexibility, support, and assistance to help you determine which is the better choice for your travel needs.

Heymondo is known for its competitive pricing and comprehensive coverage options, including 24/7 customer support and a user-friendly app. On the other hand, Genki specializes in offering flexible and comprehensive health insurance plans tailored to digital nomads and long-term travelers, with plans like the Genki Explorer and Genki Resident.

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Comparing Heymondo and Genki Travel Insurance

While both Heymondo and Genki offer comprehensive travel insurance options, they cater to different traveler needs and preferences. In this comparison, we will outline the key differences between the two providers to help you determine which is the better choice for your travel insurance needs.

Heymondo Advantages

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Heymondo Advantages – Heymondo vs Genki
  1. Customizable Coverage: Heymondo provides various coverage options to suit different travel needs, including single-trip, multi-trip, and long-term travel options.
  2. User-Friendly App: Offers an app for easy policy management and assistance.
  3. 24/7 Customer Support: Access to round-the-clock customer support and medical assistance.
  4. Competitive Pricing: Attractive pricing with options for different plan tiers.
  5. Adventure Sports Coverage: Includes coverage for various adventure activities and sports.

Heymondo Disadvantages

  1. Limited Coverage for Pre-Existing Medical Conditions: Heymondo’s coverage for pre-existing conditions is somewhat limited.
  2. Geographical Restrictions: The insurance may not be available in all countries.

Genki Advantages

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Genki Advantages – Genki vs Heymondo
  1. Tailored for Digital Nomads and Long-Term Travelers: Genki’s plans are specifically designed for the needs of digital nomads, offering flexibility and comprehensive health coverage.
  2. Flexible Plans: Genki offers plans like Genki Explorer and Genki Resident, suitable for varying lengths of stay and needs, from one month up to lifelong coverage.
  3. Comprehensive Health Coverage: Includes a wide range of medical treatments, preventive care, and coverage for sports-related injuries.
  4. Mental Health and Dental Coverage: Genki plans cover initial mental health treatments and emergency dental treatments.
  5. COVID-19 Treatment: Provides coverage for COVID-19 related treatments.

Genki Disadvantages

  1. Exclusions on Certain Activities: Genki excludes coverage for dangerous activities and professional sports.
  2. Limited Non-Medical Travel-Related Coverage: This does not cover trip cancellations, flight delays, or lost luggage.
  3. Deductibles and Restrictions: Certain plans come with deductibles and have limitations in the home country and for pre-existing pregnancies.

Heymondo is known for its competitive pricing and comprehensive coverage options, including 24/7 customer support and a user-friendly app. On the other hand, Genki specializes in offering flexible and comprehensive health insurance plans tailored to digital nomads and long-term travelers, with plans like the Genki Explorer and Genki Resident.

Summary – Heymondo vs Genki


Heymondo provides comprehensive coverage including medical expenses, trip cancellation, baggage loss or delay, and personal liability. Genki offers extensive health insurance coverage, ideal for digital nomads, including medical treatment, preventive care, and sports-related injuries.

Policy Options

Heymondoo ffers single-trip, multi-trip, and specialized long-stay plans for various traveler needs. Genki features flexible plans like Genki Explorer for short to medium-term travel and Genki Resident for long-term or lifetime coverage.


Heymondo is known for its competitive pricing and frequent promotions or discounts, while with Genki, pricing for Explorer starts at €35, and with Resident Plan offers a flexible payment system for long-term coverage.

Customer Support

Heymondo provides 24/7 customer support through phone, email, live chat, and a dedicated app. Genki also offers 24/7 assistance, particularly for medical emergencies, with support for direct billing and telemedicine services.

User Experience

Heymondo is known for its user-friendly online platform and app, featuring real-time assistance and virtual doctor consultations. Genki, on the other hand, has simplified the online buying process and access to healthcare providers via the Air Doctor app, aligning well with the digital nomad lifestyle.

Coverage – Heymondo vs Genki


Heymondo vs Genki: Which is the Better Travel Insurance? Heymondo offers diverse insurance plans, including single-trip, multi-trip, and long-term options. Coverage encompasses medical expenses, emergency repatriation, trip cancellation, baggage loss or delay, and personal liability. Heymondo caters to a broad audience, with plans suitable for individuals, families, and groups of all ages.


Heymondo vs Genki: Which is the Better Travel Insurance? Genki provides specialized health insurance plans tailored for digital nomads and long-term travelers. Their coverage includes comprehensive medical treatment, preventive care, sports-related injuries, and emergency assistance. Genki’s plans, particularly the Genki Explorer and Resident, offer adaptable solutions for those with fluid travel plans.

Pricing and Plans


Heymondo vs Genki Travel Insurance: Which is Better?

Heymondo stands out for its competitive and variable pricing structure. The cost of their travel insurance plans depends on several factors including the traveler’s destination, duration of the trip, age, and the specific coverage options selected. They frequently offer discounts for online purchases and provide special rates for families or groups, making it a cost-effective choice for various types of travelers.

Heymondo’s diverse plan options cater to different travel needs:

  • Single Trip Insurance: Ideal for short-term vacations or brief trips.
  • Annual Multi-Trip Insurance: Best suited for travelers who take multiple trips throughout the year.
  • Long Stay Insurance Plan: Tailored for extended journeys, typically over 90 days, this plan is perfect for backpackers, students studying abroad, and digital nomads. This plan offers the same comprehensive coverage as the Single Trip plan but with additional flexibility and benefits for long-term travel.
  1. Detailed Pricing Structure:
    • Heymondo’s pricing is tailored according to various factors: destination, trip duration, age, and chosen coverage options.
    • Offers competitive rates, making it an attractive option for budget-conscious travelers.
    • Regular promotions and discounts, especially for online purchases, enhance affordability.
  2. Diverse Insurance Plan Options:
    • Single Trip Insurance: Suitable for short vacations or specific trips, with comprehensive coverage.
    • Annual Multi-Trip Insurance: Ideal for frequent travelers, offering year-round coverage for multiple trips.
    • Long Stay Insurance Plan: Specifically designed for travelers on prolonged journeys such as gap years, backpacking, or long-term studies abroad. This plan merges the benefits of short-term coverage with the necessities of extended travel, providing both comprehensive protection and flexibility.
  3. Group and Family Discounts:
    • Special rates for families and groups traveling together, making it a cost-effective solution for group travel.
  4. Additional Plan Benefits:
    • The Long Stay Insurance Plan, in particular, includes benefits like emergency repatriation, medical expenses, and trip cancellation coverage, similar to the Single Trip plan but tailored for longer durations.


heymondo vs genki, genki vs heymondo

Genki’s pricing is specifically designed to accommodate the lifestyle of digital nomads and long-term travelers. The cost of their plans, particularly the Genki Explorer, starts at an affordable rate of €35, making it a viable option for travelers on a budget.

The Genki Resident plan offers a more extensive coverage solution for long-term or lifetime coverage. This plan is structured with a flexible payment system, requiring a minimum commitment of one year, but providing extensive medical treatment and preventive care options.

Both Genki plans offer:

  • Flexibility in Duration: Coverage can be adapted to the length of travel, ranging from short-term to lifelong needs.
  • Comprehensive Health Coverage: Both plans offer extensive medical treatment options, with the Resident plan including additional preventive care and family coverage options.
  1. Explorer and Resident Plans:
    • Genki Explorer: Starts at €35, offering a budget-friendly solution for digital nomads and short to medium-term travelers. It covers a wide range of medical needs and is flexible in duration.
    • Genki Resident: A comprehensive health insurance plan designed for long-term travelers or expatriates. This plan includes preventive care and is intended for extended or lifelong coverage.
  2. Flexible Payment System for Resident Plan:
    • The Resident plan requires a minimum one-year commitment but offers monthly payments for ease of budgeting.
    • Emphasizes comprehensive coverage, including preventive care, making it akin to a traditional health insurance plan but with global coverage.
  3. Adaptability for Changing Plans:
    • Both plans are particularly suited for nomadic lifestyles, offering the flexibility to adapt to changing travel plans and durations.
    • The Explorer plan’s monthly subscription model is ideal for travelers with uncertain itineraries.
  4. Comprehensive Health Coverage:
    • Genki plans emphasize extensive medical treatment, including coverage for sports-related injuries and emergency assistance.
    • The Resident plan offers additional benefits like dental and vision coverage, mental health support, and alternative treatments.

Flexibility and Customization


Heymondo’s insurance plans are customizable, including additional coverage for adventure sports, high-value items, and rental car excess. This adaptability allows travelers to tailor their policies according to specific requirements.


Genki stands out for its flexibility, particularly appealing to digital nomads. Their plans, especially the Explorer, offer coverage from one month up to two years, accommodating the changing plans of frequent travelers.

Support and Assistance


Heymondo provides 24/7 customer support and medical assistance via their app and customer service hotline, ensuring help is available anytime, anywhere. Their support team assists with medical emergencies, claims, and inquiries in multiple languages.


Genki also offers reliable support, especially in medical emergencies. Services include direct billing arrangements and access to telemedicine, enhancing the convenience for travelers.

COVID-19 Coverage


Heymondo offers coverage for COVID-19 related treatment and unexpected quarantine expenses, as well as trip cancellation if the virus is contracted before the trip.


Genki covers COVID-19 treatment without any cost limit, although quarantines are not covered as they are deemed not medically necessary.

Adventure Sports / Adventure Travel


Heymondo caters to adventure enthusiasts with coverage for various sports and activities, making it suitable for travelers who engage in common adventure pursuits.


Genki provides coverage for a wide array of sports activities, barring certain high-risk or professional sports, aligning with the needs of active travelers.

FAQ on Comparing Genki vs Heymondo Travel Insurance

Can I purchase insurance after my trip has started?

Heymondo: No, Heymondo requires travelers to purchase their insurance before commencing their trip.

Genki: Specific details were not provided, but Genki’s flexibility may allow for post-departure insurance purchases, especially for the Explorer plan.

Are pre-existing medical conditions covered?

Heymondo: Coverage for pre-existing medical conditions is limited and subject to specific terms.

Genki: Pre-existing conditions are generally not covered, especially if diagnosed or treated within six months before the start of the insurance.

What types of travel insurance plans are available?

Heymondo: Offers Single Trip, Annual Multi-Trip, and Long Stay Insurance plans.

Genki: Provides two main plans – Genki Explorer for short to medium-term travel and Genki Resident for long-term or lifetime coverage.

Do these insurance plans cover adventure sports and activities?

Heymondo: Yes, Heymondo covers various adventure sports and activities, with the option to add more coverage.

Genki: Covers a wide range of sports, but excludes high-risk activities and professional sports.

Is COVID-19 treatment covered by these insurance plans?

Heymondo: Yes, Heymondo covers COVID-19 related treatment and quarantine expenses under certain conditions.

Genki: Genki covers COVID-19 treatment without a cost limit, but does not cover quarantine expenses.

What is the process for filing a claim?

Heymondo: Claims can be filed through their app or website, requiring the submission of necessary documents.

Genki: Genki Travel Insurance offers a straightforward claim filing process. To file a claim, you need to:

Ask for Itemized Receipts: Ensure you receive detailed invoices for your treatment to claim expenses.
Submit Your Claim Form: Use the login details provided when you subscribed to the insurance to access your online profile or use the provided email address to send your claim including bills, receipts, and other documents to Genki.
Report Immediately: In case of illness or accident, report it as soon as possible, most likely via phone, and provide all relevant information.
Waive Physician-Patient-Privilege: Allow your insurance provider to gather necessary information by releasing the treating physician from the privilege.
This process is designed to keep the treatment process transparent and ensure you receive the best care while facilitating the administrative aspects of your insurance claim.

What additional benefits do these insurance plans offer?

Heymondo: Provides benefits like a travel assistance app, medical consultations, and location-based medical facility information.

Genki: Offers telemedicine services, direct payment to healthcare providers, and comprehensive health coverage.

How does pricing vary for these insurance plans?

Heymondo: Pricing varies based on travel destination, duration, age, and selected coverage. Discounts are available for online purchases and groups.

Genki: Explorer plan starts at €35, with the Resident plan offering a flexible payment system for comprehensive coverage.

Can I extend or modify my insurance coverage while traveling?

Heymondo’s Long Stay insurance is the only policy that allows coverage extension, up to a maximum of 12 consecutive months. For other types of single-trip insurance, you need to purchase new insurance for extended dates. This should be done at least three days before the old policy expires due to a 72-hour grace period for the new policy’s effect when buying abroad. You can also change the dates of your travel insurance or get a refund by emailing your request with the new trip dates to Heymondo​

Genki: Genki’s policies, especially the Explorer plan, are designed for flexibility, accommodating changing travel plans. The Explorer plan covers up to two years and can be renewed for a new plan after this period. This adaptability makes Genki particularly suitable for digital nomads and long-term travelers who may need to adjust their coverage duration or terms while traveling

What is the maximum age limit for these insurance plans?

Heymondo: Heymondo insurance covers travelers from all over the world while outside their home country. The age limit for Heymondo insurance is 69 years old for travels up to 29 days. For trips of 30 days or more, the age limit is 49 years old​

Genki: Genki’s plans are available to individuals up to 69 years old.

Our Final Thoughts on Hemondo vs Genki

When comparing Heymondo and Genki, both offer robust travel insurance solutions tailored to different needs. Heymondo is notable for its comprehensive coverage, user-friendly app, and responsive customer support, making it ideal for a broad range of travelers. Genki, on the other hand, specializes in catering to digital nomads and long-term travelers with its flexible health insurance plans.

The best choice will depend on individual travel requirements and preferences. It’s crucial to review each company’s policy details and customer feedback to make an informed decision that aligns with your specific travel insurance needs.

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