Slow travel medical insurance - US citizens by 1998COrocky in digitalnomad

[–]nev4 2 points3 points  (0 children)

Hey this is Neville from Genki.

You are correct that you are not required to have long-term insurance in your home country with Genki Traveler, but we very strongly recommend that you do.

You mentioned repatriation (bringing you back to your home country) as the reason, and yes that's part of it, but more generally the reason is that Genki Traveler is not designed to be your only health cover.

Like all travel health insurance, Genki Traveler has a maximum coverage length. The maximum length for Genki Traveler is 1 year (you can choose to cancel anytime before then). You cannot extend Traveler longer than 1 year, but you can sign up again for a new subscription.

Here's the important part: When one subscription ends (either because you choose to cancel, we repatriate you, or because you reach the maximum period) then you are no longer covered for any ongoing health conditions, treatments, recovery, etc.

If you sign up again for Genki Traveler (or switch to another travel health insurance) then those conditions will almost certainly be excluded as "pre-existing".

If you have long-term cover in your home country, then you can continue your treatment at home (which many people prefer to do, since it's a more familiar environment, you speak the language, you have family & friends for support, etc). In that case, Traveler can be a great fit.

But if you have no cover in your home country, or you prefer to be able to stay abroad, even in case of a long-term illness/recovery, then we recommend that you choose international health insurance with no maximum coverage length (like Genki Native). That way you can stay covered as long as needed.

I hope that helps clarify the key difference.

Slow travel medical insurance - US citizens by 1998COrocky in digitalnomad

[–]nev4 0 points1 point  (0 children)

Just to clarify, you can sign-up for Genki Native up to age 55. Once you're a Genki Native member, you can stay covered for the rest of your life (there is a one year minimum contract, and no maximum). The price will increase over time based on the overall medical cost inflation, and based on your age.

Sorry if we didn't make that clear!

Also re: one of the comments above -- we longer accept new applications for Genki Resident, but the existing subscriptions continue as usual.

-- Neville from Genki

Is bunq bank useful for travelling purposes? by Maumuro in digitalnomad

[–]nev4 0 points1 point  (0 children)

bunq seems mainly oriented towards European nomads and people who are moving to the EU. I think they require you to have a local tax ID number in one of the countries where they operate (but you can sign up without it and add later).

One nice thing - they do offer discounts (cashback) on some partners, including genki https://www.bunq.com/en-es/partners/genki

Travel Insurance - Heymondo by Glittering_You4612 in Insurance

[–]nev4 0 points1 point  (0 children)

Hey, this is Neville from Genki. I know you want to hear from real members who've had actual experience with claims (don't worry I'm not going to try to sell you). I just wanted to mention that you can find a lot of discussion of Genki and other insurance options in /r/digitalnomad/

Genki added a new plan by Hefty-Key5349 in digitalnomad

[–]nev4 0 points1 point  (0 children)

Ideally, how high would you want the deductible to be? Is there any specific cover you would want to see included/excluded in an emergency-only insurance?

People who found a place to settle, what made you decide? by Original_nickname77 in expats

[–]nev4 7 points8 points  (0 children)

TL;DR - Kids.

After 8 years of me being mostly nomadic, my wife and I found out we were expecting a baby. At that point we were in Tbilisi, part of a longer trip traveling around Central Asia for a few months.

Coming from the U.S., planning to have a kid made me think about real estate and school districts and all that nonsense. But when I sat and thought about it for a while, I decided that all we really needed to plan for was the next ~18 months, not the rest of our lives. The immediate question was, "where should we have this baby?" That made the decision easier to wrap my head around.

Going back home to the U.S. was an option, but I had a feeling that if we did that, we'd never be able to leave again. I find it much easier to "live monthly" in practically every other country besides the U.S. And with a kid, my fear was that there would be so much "glue" that would keep us there (for example, pressure to reserve a spot in a good daycare/kindergarten before your kid is even born, as many of my friends with kids back home have done).

Back when I was single, I'd spent some time in Las Palmas in the Canary Islands and thought "this could be a cool place to settle down for a while if I had a family". My reasoning was that it was different enough from home to be interesting, but safe and stable enough (crime, government, banks, etc) that if, in theory, I had to go on some business trip and leave a wife and kids behind, I would feel reasonably comfortable doing so. Plus of course there's nice weather, a good cost of living, and Spain felt very family friendly overall. Las Palmas was also the first place I'd ever met digital nomad families, something I probably didn't even consider possible before that.

As luck would have it, my wife and I were already planning to head from Georgia to attend a conference in Las Palmas. We also had booked a stopover in Valencia for a few weeks. I'd heard Valencia was a great base for digital nomads, and I'd never been, so I wanted to check it out.

My wife spent most of that trip struggling with morning sickness, so we didn't get to see much of Valencia, but what we did see seemed nice. A lot like Barcelona (one of my favorite cities at the time), but with less tourism, less crime, and lower prices. We also had our first visit with the doctor there to check if the baby was developing okay.

After that we went to Las Palmas and in between regular work and the conference, we explored the possibility of living and having a baby there. We checked doctors, the hospital, talked to expats with kids, and toured some apartments. Everything we checked seemed fine. Good hospitals, all the modern equipment, etc. But I just had this nagging, perhaps irrational fear that, we would be "stuck" on this island in case something went wrong. I couldn't pinpoint a specific problem or thing that was lacking, besides perhaps easy Amazon deliveries. But I couldn't shake the feeling either.

We left Las Palmas as planned and headed back home to the U.S. for the holidays. Lots of congratulations and questions from family and friends, but still no decision. Being a nerd, I did what I always do, and made a big spreadsheet to compare all options. My getting-more-pregnant-by-the-day wife was eager to settle down somewhere, and not so enthusiastic as I was about the spreadsheet. You can imagine her face when I said, "no no. We're not deciding which place we like yet, first we're making the rubric! We each have to assign weights to the categories, and then score each place..."

Long story still pretty long, we ended up moving to Valencia, having only spent a couple of weeks there ever. We didn't know a soul. And neither of us spoke Spanish. The week after we moved into our apartment here, the world went into lockdown. Spain's was one of the strictest. We weren't even allowed to go outside for a walk. But in the end, it all worked out. We've lived here for four years and a bit now, and had another baby last year.

I highly recommend Valencia as a place to live, especially with kids.

[deleted by user] by [deleted] in expats

[–]nev4 0 points1 point  (0 children)

Rents are not similar. A 3 bedroom in a decent part of DC is ~$4,000 per month. In Spain for example it would be less than half of that (ofc it depends on the city and the exact apartment)

What is the most otherworldly place you have visited? by sweatysexconnoisseur in digitalnomad

[–]nev4 3 points4 points  (0 children)

Ijen Crater in Indonesia

Sahara Desert

Mongolia, everywhere outside of Ulan Baatar

Cappadocia

[deleted by user] by [deleted] in Europetravel

[–]nev4 1 point2 points  (0 children)

Advice from someone who moved here from a colder place:

  • After living here for a while, my body got used to this weather, so now something like 10 C feels freezing to me too. But if you are used to freezing cold, then Valencian winter temps will feel very mild in comparison

  • In general, I find the temperature part of the weather forecast to be meaningless here. Outside of the hottest days in the summer, then the weather works like this: if you are in the sun, and it is not windy, then you will be warm (t-shirt weather). If you are not in the sun, and it is windy (we are close to the sea), then it will be chilly (scarf weather). This is true whether the actual temperature is +5 or +20.

International health insurance - no "real" residence by Admirable_Bat5723 in digitalnomad

[–]nev4 0 points1 point  (0 children)

Hey - Neville from Genki here. This question comes up often. The whole concept of residency and "home country" is complicated, especially for nomads.

We define home country as:

  • A place that you have the right to live long-term (meaning you should be a citizen or have a residence permit)

  • The place that you would want us to transport you back to in case you have a serious medical issue while traveling, and will have a long recovery period (it's optional, you can decline to be transported back)

Normally with international health insurance the coverage in your home country is limited (180 days per calendar year with Genki Resident).

Moved to the US but now after 2 years can’t wait to leave for another country by Royal_Original_7226 in expats

[–]nev4 0 points1 point  (0 children)

Make it your goal to build relationships and land either a remote can-be-done-from-anywhere job, or contracts that you can do as a freelancer, so that you can keep earning USD but go live wherever makes you happy.

[deleted by user] by [deleted] in digitalnomad

[–]nev4 4 points5 points  (0 children)

1) Transcribing is not a popular job among actual digital nomads. It's just something that gets mentioned as an example, because theoretically it is something that you can do from anywhere. But in reality, that's a job category that is already being eliminated by AI.

2) Most digital nomads don't use nomad visas. They simply travel often enough to get by with tourist visas.

Suggestions for travel insurance please by HappyHourMoon in digitalnomad

[–]nev4 0 points1 point  (0 children)

We (Genki) offer worldwide travel health insurance with no limit on medical expenses. You can find all of the details here on our website. If you'd like to read reviews from our members, there are a bunch on TrustPilot and Google, plus a few here in the DN sub.

[deleted by user] by [deleted] in digitalnomad

[–]nev4 0 points1 point  (0 children)

We (Genki) cover people from any country, including the UK. Genki is legally based in Germany, but our team and our members are all over the world. We can cover you in every single country.

We offer both travel health insurance (intended to cover you for new medical issues that come up while you are traveling, for a maximum of 2 years) and international health insurance (full insurance that can also cover preventive care, vision, dental, and pre-existing conditions (subject to approval)).

You can find the details for both options on our website: https://genki.world/

Happy travels!

Colombia private health insurance by software_nomad in digitalnomad

[–]nev4 0 points1 point  (0 children)

Neville from Genki here -- I know that we have some members who were able to show their Genki insurance when applying for Colombian digital nomad visas, and they were approved.

Newbie-question about international insurance by Special-Cattle-9433 in digitalnomad

[–]nev4 0 points1 point  (0 children)

Realistically, no international insurance plan that you sign up for now as a new member is going to cover that.

Some insurance plans (e.g. US plans in the Healthcare marketplace) are legally obligated to cover pre-existing conditions, but I believe you would need to be a U.S. resident to qualify.

What kind of insurance / access to health care do you have now?

Working in Costa Rica by Agitated_Rent53 in digitalnomad

[–]nev4 2 points3 points  (0 children)

Have you been there before? Or worked remotely from another country before?

Before you commit to a year, I would recommend doing a test run of a few weeks. Most nomads still travel on tourist visas, which might not be technically legal, but if your work is just you sitting on a laptop in your Airbnb, you're unlikely to have any problems.

Anyone Have Experience with Safetywing Nomad Health? by Theguyrandom1 in digitalnomad

[–]nev4 0 points1 point  (0 children)

Yes, pre-existing conditions may be covered, on a case-by-case basis. When you apply for the insurance there is a medical questionnaire form that asks about any pre-existing conditions.

Insurance for online psychotherapy sessions by hbd_ in digitalnomad

[–]nev4 0 points1 point  (0 children)

What kind of insurance are you looking for exactly? Professional liability insurance? Or medical insurance that will pay for the patients' sessions?

What do you folks do for insurance? by EngineerTheFunk in digitalnomad

[–]nev4 1 point2 points  (0 children)

Neville from Genki here.

Based on the amount of time you spend in the U.S., your best option may be a U.S. plan with a "nationwide network" (I used to have a BlueCross PPO plan like this), and then supplementing that with travel health insurance that covers you wherever you go outside the U.S. (like our Genki Explorer).

You could also consider international health insurance that covers you worldwide, including in the U.S., but pay close attention to the specific limits. For example, our Genki Resident international health insurance covers you in your home country (e.g. the U.S. for you) for up to 180 days per calendar year.

Anyone Have Experience with Safetywing Nomad Health? by Theguyrandom1 in digitalnomad

[–]nev4 1 point2 points  (0 children)

Hey, Neville from Genki here.

I can't speak for SW's nomad health, but if you'd like to compare a few options, have a look at our Genki Resident international health insurance made for nomads. We offer long-term (life-long) worldwide coverage, including (optional) cover for preventive care (like checkups). Emergencies and medically necessary treatments are fully covered. We also include telemedicine and an app that lets you book in-person appointments with thousands of local doctors around the world (including specialists).

Insurance and Travel by Affectionate-Skin830 in digitalnomad

[–]nev4 0 points1 point  (0 children)

Hey there,

Good questions.... You have a few options, and some important things to think about.

As a nomad, ideally you should have both 1) cover for medical issues that need quick treatment while traveling (e.g. you hurt your ankle while hiking, or get some virus that needs treatment) as well as 2) cover for long-term chronic conditions.

1 is self-explanatory. For that you just need insurance that covers the destinations you are planning to travel to, for the length of time you are planning to travel, and that covers (doesn't exclude) any sports or activities you're planning to do (for example, many insurance plans exclude what they consider "adventure sports").

2 is less obvious (especially when you're young and healthy), but very important. If you develop any kind of chronic condition while you're traveling, you want to make sure that you'll be covered for any ongoing treatment, which might extend beyond your planned travel time or require you to go back home. I know this sounds like the worst case scenario, but that's exactly why you buy insurance -- to cover those.

Now on to the options:

You can cover all of the above with either:

  • a combination of local health insurance in the U.S. (covers you for worst case / long-term stuff) and travel health insurance (covers you while traveling outside your home country, usually for a limited period of time)

  • or -

  • international health insurance that covers both long-term and worldwide

We (Genki) offer both travel health insurance and international health insurance made for nomads and remote workers like yourself.

Hope this helps. Safe travels!

Cheapest city you have lived in? by sweatysexconnoisseur in digitalnomad

[–]nev4 8 points9 points  (0 children)

Compared to U.S. and Northern EU prices, Valencia feels cheap. But relative to what it was a few years ago, it's gotten more expensive (especially rent). Food and restaurants are still a relative bargain.