Genki vs PassportCard.
Two carriers built for life abroad with very different claim experiences and eligibility rules. Here's how they compare on claim model, pricing status, residency, renewals and the main trade-offs — using the same fields we use on compare.html.
Different products for different jobs.
Genki is generally suited for long-term monthly health cover, with a long-stay policy structure and reimbursement-based claims.
PassportCard is generally suited for card-based instant claims — a prepaid card pays providers directly — and is sold only to residents of selected EU countries, the UK, Norway and Switzerland.
The right option depends on where you live, how you want claims handled and how long you'll be abroad. If you're not sure, take the 60-second quiz to see which fits your situation.
Side by side
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| Feature | Genki | PassportCard |
|---|---|---|
| Product type | Long-term health | Instant claims (card) |
| Claim model | Reimbursement | Direct payout via card |
| Pricing | Get a quote | Get a quote |
| Sold to | Broad availability · verify at carrier | Selected EU countries, UK, Norway, Switzerland |
| Renewal cycle | Monthly rolling | Annual auto-renew |
| Cancellation | Anytime | 1-month notice |
| Sign up while abroad | Yes | Yes |
| US cover | Optional add-on | Included |
| Adventure activities | Included | Not standard |
| Outpatient cover | Outpatient & dental to €1k | Plan-dependent |
| Backing | Allianz Partners | DavidShield |
Coverage details vary by plan, country of residence and add-ons. Always verify in the carrier's policy document before buying.
When each is a better fit
Genki tends to fit if you…
- Are living and working abroad month after month with no clear return date.
- Want a long-stay health product with monthly rolling structure rather than annual contracts.
- Are based outside the EU/EFTA + UK + Norway + Switzerland footprint that PassportCard sells to.
- Are comfortable with the reimbursement claim model (pay first, claim back).
PassportCard tends to fit if you…
- Are a resident of an eligible EU country, the UK, Norway or Switzerland.
- Want claims paid on the spot through a prepaid card rather than reimbursed after.
- Want US cover included by default rather than as an add-on.
- Are comfortable with an annual auto-renew and a 1-month cancellation notice.
Main trade-offs
Different claim experiences. Genki uses reimbursement — you pay the provider first, then file a claim and get repaid. PassportCard issues a prepaid card that pays the provider directly when you're treated. Either model works; the difference matters most when you're sitting in a clinic abroad and would prefer not to be out of pocket.
Different eligibility footprints. Genki is broadly available internationally. PassportCard is currently sold to residents of selected EU countries, the UK, Norway and Switzerland. If you live outside that footprint, PassportCard will not be in scope for you — verify before assuming.
Pricing is quote-based for both. Neither publishes a single headline rate that applies to all customers. Final prices depend on age, country of residence, plan options and add-ons. Get a quote from each.
Renewal structures differ. Genki renews monthly and can be paused easily. PassportCard runs on an annual auto-renew with a 1-month cancellation notice. If you value short cancellation windows, Genki has a lighter contract feel.
Backing differs. Genki's policy is operated with Allianz Partners. PassportCard is underwritten with DavidShield. Both are facts to verify in each carrier's policy document — neither implies endorsement of Roamsurance.
Neither is a "best." They are different products for different jobs. The right one depends on residency, claim preference and your trip pattern. See the full side-by-side comparison or run the quiz.
FAQ
Is Genki cheaper than PassportCard?
Both are quote-based, so a static comparison isn't reliable. Genki is positioned as a long-stay health product; PassportCard is positioned around the card-based claim experience. Run a quote from each for your country of residence and age.
Can PassportCard cover me if I live outside the EU?
Not currently. PassportCard is sold to residents of selected EU countries, the UK, Norway and Switzerland. If you live outside that footprint, Genki is more likely to be in scope.
Does Genki include trip cancellation?
No — Genki is a health product. Trip cancellation, baggage and flight delay aren't included. PassportCard's product is broader, but cancellation cover is plan-dependent. Always confirm with the carrier.
Which fits a long stay in Spain or Portugal?
Both can fit residents of those countries. The split is whether you want long-term monthly health structure (Genki) or card-based instant claims (PassportCard). Run the quiz to match against your full profile.
See which fits your situation.
Five questions. We'll show which carriers match — and the trade-offs.
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