Updated September 28, 2026 · SumCue Editorial Team
Avanti Travel Insurance vs Genki
Avanti Travel Insurance
Higher score in this comparison
Genki
What sets them apart
| Compare | Avanti Travel InsuranceReviewVisitVisit | GenkiReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel | Health, TravelCovers more |
| Excess from | £0 | €0 |
| Cover limit | GBP 5,000,000 medical emergency and repatriation (Essentials) | EUR 1,000,000 per person per year (Basic); EUR 3,500,000 (Premium) |
| Claims channels | Online form, Phone, Email, Post | Online reimbursement claim via website, Direct payment to hospitals, 24/7 assistance hotline, Chat, WhatsApp |
| Age range | All ages (age bands 0-65, 66-70, 71-75, 75+) | Native: join up to age 55, no age limit once covered; Traveler: join up to age 69 |
| Premium from | Not confirmed | €189 |
Same on both: Provider type (Broker), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Avanti Travel Insurance scores higher overall: 9.0 vs 8.9.
- Founded is lower at Avanti Travel Insurance: 2009 vs 2018.
- Avanti Travel Insurance is licensed in 1 more country.
- Avanti Travel Insurance is available in 1 more country.
- Insurance types: only Genki offers Health.
- Claims channels: only Avanti Travel Insurance offers Online form, Phone, Email.
- Claims channels: only Genki offers Online reimbursement claim via website, Direct payment to hospitals, 24/7 assistance hotline.
- Support channels: only Avanti Travel Insurance offers Phone.
- Support channels: only Genki offers Community.
- Audience: only Avanti Travel Insurance offers Seniors.
Our verdict on each
Avanti Travel Insurance
Avanti Travel Insurance suits UK households buying a single trip or an annual multi-trip policy for a holiday they already have booked. The median starting premium across the site is €8.31, and annual multi-trip cover can run monthly to keep the year affordable.
Genki
Genki is a broker for expats who want health and travel cover that hospitals are paid directly, on monthly payments from €189 with an excess of €0. It suits readers who put simple claims and direct settlement ahead of the cheapest starting premium.
Score breakdown
| Area | Avanti Travel Insurance | Genki |
|---|---|---|
| Cost | 9.3HigherPolicy excess starts at £0, and the lowest starting premiums on the site sit at €2.92. | 8.9Entry cost: €189 to start, with an excess of €0 on the Native plan and monthly billing. |
| Offer | 9.2 | 9.4Higher |
| Trust | 8.7Higher | 8.4 |
Pick Avanti Travel Insurance if, pick Genki if
Pick Avanti Travel Insurance if cost and trust matter most.
Pick Genki if insurance types matter most.
How they place
| Ranking | Avanti Travel Insurance | Genki |
|---|---|---|
| Insurance | 36 of 627 | 333 of 627 |
| Travel insurance | 23 of 278 | 180 of 278 |
Every fact side by side
| Fact | Avanti Travel Insurance | Genki |
|---|---|---|
| Audience | Seniors | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | TICORP Limited | Genki UG (haftungsbeschränkt), HRB 106969 Cologne |
| Headquarters | United Kingdom | Germany |
| Founded | 2009Lower | 2018 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Avanti Travel Insurance | Genki | Median |
|---|---|---|---|
| Premium from | Not confirmed | €189highest quarter | €6.02 |
Median across 116 listed providers.
Pros and cons
Avanti Travel Insurance
Pros
- Age bands run across All ages (age bands 0-65, 66-70, 71-75, 75+), so older travellers are not pushed out of single-trip cover.
- Annual multi-trip cover can run monthly, spreading a year of trips into smaller payments.
- Support runs on email, chat and phone, and claims can be started on online form, phone and email.
Cons
- Cover is limited to travel, so home, car and life policies have to come from elsewhere.
- Avanti is a broker rather than the risk carrier, so the wording sits a step from the underwriter's own.
- Starting premiums across the site sit at €2.92 at the low end and €43.47 at the upper end, so a year of frequent trips carries a real bill.
Genki
Pros
- Monthly payments are available, so a year of cover does not need funding in one payment.
- Claims run through online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline, including direct payment to hospitals.
- The Native plan carries an excess of €0.
Cons
- Premium from €189 sits well above the €8.31 site median.
- Home, car and life cover is not among its insurance types (health and travel).
- As broker, Genki arranges the policy, and the insurer named on it settles the claim.
Who each suits
Avanti Travel Insurance
Who it suits
- UK travellers taking a single trip who would rather not hold an annual commitment.
- Seniors and later-life travellers, since age bands run across All ages (age bands 0-65, 66-70, 71-75, 75+).
- People who prefer to deal with a person: support runs on email, chat and phone.
Who should look elsewhere
- Anyone after life cover: Linxea sells life instead.
- Households wanting health or gadget cover as well: Oney Préstamos ES lists health, life and gadget.
- Travellers who also need motor, home or gadget insurance: EuroAsia Insurance bundles auto, home and travel.
Genki
Who it suits
- Expats and long term residents who need health cover that works outside their home country.
- People who prefer hospital billing and online claims to chasing reimbursements.
- Travellers and remote workers who want health and travel plans, health and travel, in one place.
Who should look elsewhere
- bunq, listed from €0, if you are shopping mainly on the lowest starting figure.
- Linxea, listed from €25, if your money is going into a life assurance product rather than health cover.
- bunq Spain, listed from €0, if you are weighing a Spanish option rather than a broker registered in Germany.
Country by country
| Country | Avanti Travel Insurance | Genki |
|---|---|---|
| Germany | No | Yes |
| Gibraltar | Yes | No |
| United Kingdom | Yes | No |
Questions about each
Avanti Travel Insurance
What is the excess on Avanti travel cover?+
The excess starts at £0 on single-trip cover. Essentials cover includes medical emergency and repatriation up to the limit printed in the policy schedule, so nothing is deducted from a payout for the excess. Higher tiers can set a different excess, and your own tier's schedule is what counts.
Is Avanti Travel Insurance regulated in the UK?+
Yes. The brokerage is registered with the Financial Conduct Authority under 663617, and the licences on file also name the Gibraltar Financial Services Commission for business routed outside the UK. As a broker, Avanti sells on behalf of an insurer rather than carrying the risk itself, so the underwriter is named in the policy documentation.
Genki
What does Genki cost each month?+
Native cover starts at €189 on monthly payments, and the plan carries an excess of €0. That starting point is well above the €8.31 median across the site, so treat the headline figure as a floor rather than a bargain.
How do claims work if I need hospital care?+
You can claim online, and online reimbursement claim via website, direct payment to hospitals and 24/7 assistance hotline adds direct payment to hospitals, a round the clock assistance line, chat and WhatsApp. Direct payment means the hospital settles with the insurer instead of you chasing money back after treatment.
Other options to compare
Avanti Travel Insurance
Genki