When you first start your Genki Traveler policy, coverage during the initial 14 days is limited. This period is called the waiting period.
During this time, your insurance only covers accidents and life-threatening emergencies. Routine treatments, non-urgent doctor visits, or pre-planned care are not covered.
How to Skip the Waiting Period
You can skip the 14-day waiting period and receive full coverage from day one if:
You had prior insurance that was valid right up until your Genki Traveler policy starts, and
There is no gap between your previous insurance and your new Genki Traveler coverage.
Coverage Conditions for Skipping the Waiting Period
Your previous insurance must cover you in one of the following:
The country where you are located when your Genki Traveler insurance begins, or
The country you were staying in before starting Genki Traveler, if your trip begins the same day as your insurance.
Starting Genki Traveler in Your Home Country
If you start your Genki Traveler policy while in your home country:
Coverage will only take effect after you leave your home country.
However, the waiting period will be waived if your trip begins on the same day or the following day as your policy start date.
Example:
Your insurance starts on July 10.
You leave your home country on July 9 or July 10 → no waiting period.
You leave on July 11 or later → the 14-day waiting period applies.
Important: Onset of Symptoms During the Waiting Period
It’s very important to note:
If a condition shows its first symptoms during the waiting period, it will always be assessed under waiting-period rules, even if treatment happens after the 14 days are over.
The only way to avoid this is to skip the waiting period by meeting the conditions explained above.
✅ This article explains the rules clearly, but if you’re unsure whether your prior insurance qualifies to skip the waiting period, please contact us before your Genki Traveler start date so we can guide you.
📄 For full details, check the Insurance Conditions and Table of Benefits.
If you have any questions, don't hesitate to drop us a chat message or email at [email protected].
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