Visas · head to headGenki vs Cigna Global
Genki vs Cigna Global
Compared on eligibility rather than price: who each will actually accept. Health cover for any passport, even without a legal residence. Not travel insurance at all: proper expat health cover for when you have actually moved.
The rules side by side
| Rule | GenkiTraveler | Cigna GlobalInternational health insurance |
|---|---|---|
| Who can buy it | Any residence“Any citizen, any residence”, including nomads without any legal residence (Native). | Most countriesExpats and globally mobile people across 200+ markets, with dedicated country plans. Reported not available for sale in New York State. |
| Buy after you have left home | YesCan start abroad; if you had no prior cover, first 14 days are medical-emergencies-only. | YesBought while you are already living abroad: it is not trip-bound at all. |
| Maximum age | 69Traveler up to 69. Native: join at ≤55, then no maximum age for life. | No capNo published maximum entry age found, and it is actively marketed to over-60s and retirees. |
| One-way or open-ended trips | YesMonthly subscription, no return-to-home requirement. | YesDesigned for relocation and indefinite stays. |
| Longest trip | 12 months, renewable1–12 months, then switch to Native (unlimited). | 12 months, renewableNot trip-bound: an annually renewable health plan. |
| Pre-existing conditions | NoTraveler: 1-year lookback exclusion. Native: medical questionnaire underwriting. | YesYou must disclose pre-existing conditions at application and they are underwritten, which may mean exclusions, loadings or a moratorium. |
| Cover in the USA | With conditionsFirst 7 days per US stay emergencies-only; paid upgrade for full US+Canada cover. | With conditionsExplicit area options: worldwide, or worldwide excluding the USA, which is much cheaper. |
| Schengen visa certificate | With conditions€1,000,000 medical; confirmation letter on request. | Not verifiedNot a Schengen travel product; acceptance for long-stay visas varies by country. |
| Winter sports | YesSki/snowboard included as standard. | With conditionsHealth cover rather than activity cover; hazardous-pursuit exclusions not verified. |
| Scuba diving | YesDiving included as standard. | With conditionsNot verified. |
| High-altitude trekking | YesHiking/climbing included as standard. | With conditionsNot verified. |
| Scooters and motorbikes | With conditions“Motor vehicle operations” covered as standard; licence/helmet conditions not published, check the conditions PDF. | Not verifiedNot verified. |
| Working abroad | Not verifiedHealth cover applies regardless of activity; occupational exclusions unverified. | YesBuilt for expat workers, though hazardous occupations are not verified. |
| Trip cancellation | NoPure health product, no trip cancellation or baggage. | NoHealth insurance: no trip cancellation. |
| Families | With conditionsNative: individuals, couples, families. Traveler: individual. | YesIndividual, couple and family plans. |
| No fixed country of residence | YesExplicitly sold to people with no legal residence. | With conditionsDesigned for people living outside their home country; you declare a country of residence for pricing. |
Both columns are generated from the same rule database the checker uses. Sources: Genki and Cigna Global, checked 2026-08-03.
Who each one suits
- Genki makes sense when you have already left home, or you are comfortably under 69.
- Cigna Global makes sense when you have already left home, or age is the constraint that usually blocks you.
Go to either one
GenkiVisit Genki →partner link, we may earn a commission
Cigna GlobalVisit Cigna Global →not a partner, we earn nothing
Both columns come from the same rule database the checker uses. Sources: Genki and Cigna Global, checked 2026-08-03.