Travel Insurance · WorldwideInsurance Comparison 2026
PROTRIP-World vs. SafetyWing Essential vs. Genki Native
An independent side-by-side comparison covering benefits, costs, and coverage details.
Based on official policy documentsUpdated October 2026Independent comparison
01Side by side
Features compared
| Feature | PROTRIP-WorldView Details | SafetyWing EssentialView Details | Genki NativeView Details |
|---|---|---|---|
| Cost & Price | |||
| Monthly price (from) | from €29.40/month (under 30, educational stay within the EU, bought before departure); from €117/month if bought after departure | from $62.72 per 4 weeks (age 18–39) | €189/month (Basic, age 20–24, no deductible); price varies by age, plan and deductible |
| Maximum durationLongest period the policy can run | Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases) | No fixed end — renews monthly until cancelled | No maximum — open-ended cover, minimum 1 month, cancellable monthly |
| Core Coverage | |||
| Outpatient care | Outpatient treatment covered | See provider for current outpatient terms | Outpatient treatment covered |
| Hospital / inpatient | Inpatient hospital treatment covered | Hospital stays, surgery and medication covered | Inpatient hospital treatment covered |
| Dental care | Pain-relieving dental treatment incl. simple fillings up to €500 per case | Emergency dental up to $1,000 | Included in the Premium tier |
| Dental annual budgetMaximum dental reimbursement per year | See provider | See provider | See provider |
| Medication | Prescribed medication covered | See provider | See provider |
| Mental health / psychotherapy | See provider for scope of psychiatric / mental-health cover | See provider | Included in the Premium tier |
| Pregnancy & maternity | See provider for scope of pregnancy and childbirth cover | Maternity care not covered in Essential | Included in the Premium tier |
| Vision (glasses/contacts) | See provider | See provider | Included in the Premium tier |
| Repatriation / medical transport | See provider | ||
| Flexibility | |||
| Concludable from abroadCan you sign up after you have already left your home country? | Yes — can be taken out while already abroad (Protrip World Traveler rates, from €117/month); illnesses are then covered after a 14-day waiting period, accidents immediately | Yes — can be purchased after your trip has started | Yes — sign up even while already abroad, no residency required |
| Suitable as a follow-on policyCan bridge the gap after another policy ends. | Yes — suitable as a follow-on (Anschluss-/continuation) policy when an existing cover ends abroad | Yes — the monthly subscription can bridge a gap after another policy ends | See provider |
| No home-country residence requiredYou do not need a registered residence in your home country to qualify. | Yes | Nationality- and residence-agnostic subscription; confirm exact eligibility with provider | Yes — accepts every citizenship and residency, including nomads |
| Retroactive enrollmentCan you sign up after your start date? | No — coverage starts from the date you sign up, not retroactively | ||
| Continued treatment after contract end (Nachhaftung)An acute case stays covered after the policy ends, until you are fit for transport. | Better | ||
| Maximum duration | Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases) | No fixed end — renews monthly until cancelled | No maximum — open-ended cover, minimum 1 month, cancellable monthly |
| Service & Extras | |||
| Visa compliant | Better | ||
| Visit PROTRIP-World→ | Visit SafetyWing Essential→ | Visit Genki Native→ | |
Cost & Price
Monthly price (from)
from €29.40/month (under 30, educational stay within the EU, bought before departure); from €117/month if bought after departure
from $62.72 per 4 weeks (age 18–39)
€189/month (Basic, age 20–24, no deductible); price varies by age, plan and deductible
Maximum duration
Longest period the policy can run
Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases)
No fixed end — renews monthly until cancelled
No maximum — open-ended cover, minimum 1 month, cancellable monthly
Core Coverage
Outpatient care
Outpatient treatment covered
See provider for current outpatient terms
Outpatient treatment covered
Hospital / inpatient
Inpatient hospital treatment covered
Hospital stays, surgery and medication covered
Inpatient hospital treatment covered
Dental care
Pain-relieving dental treatment incl. simple fillings up to €500 per case
Emergency dental up to $1,000
Included in the Premium tier
Dental annual budget
Maximum dental reimbursement per year
See provider
See provider
See provider
Medication
Prescribed medication covered
See provider
See provider
Mental health / psychotherapy
See provider for scope of psychiatric / mental-health cover
See provider
Included in the Premium tier
Pregnancy & maternity
See provider for scope of pregnancy and childbirth cover
Maternity care not covered in Essential
Included in the Premium tier
Vision (glasses/contacts)
See provider
See provider
Included in the Premium tier
Repatriation / medical transport
See provider
Flexibility
Concludable from abroad
Can you sign up after you have already left your home country?
Yes — can be taken out while already abroad (Protrip World Traveler rates, from €117/month); illnesses are then covered after a 14-day waiting period, accidents immediately
Yes — can be purchased after your trip has started
Yes — sign up even while already abroad, no residency required
Suitable as a follow-on policy
Can bridge the gap after another policy ends.
Yes — suitable as a follow-on (Anschluss-/continuation) policy when an existing cover ends abroad
Yes — the monthly subscription can bridge a gap after another policy ends
See provider
No home-country residence required
You do not need a registered residence in your home country to qualify.
Yes
Nationality- and residence-agnostic subscription; confirm exact eligibility with provider
Yes — accepts every citizenship and residency, including nomads
Retroactive enrollment
Can you sign up after your start date?
No — coverage starts from the date you sign up, not retroactively
Continued treatment after contract end (Nachhaftung)
An acute case stays covered after the policy ends, until you are fit for transport.
Better
Maximum duration
Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases)
No fixed end — renews monthly until cancelled
No maximum — open-ended cover, minimum 1 month, cancellable monthly
Service & Extras
Visa compliant
Better
02FAQ
Frequently Asked Questions
Yes. PROTRIP-World can be bought online even after you have left your home country (Protrip World Traveler rates, from €117/month for under-30s excluding USA/Canada). When you buy it while already abroad, illnesses are covered only after a 14-day waiting period; accidents and acute life-threatening emergencies are covered from the start.
Yes. PROTRIP-World can serve as a follow-on policy when an existing international health cover ends while you are abroad. If you take it out while already abroad, a 14-day waiting period applies to illnesses (not to accidents), and conditions that already exist are not covered. Check the details with DR-WALTER before relying on it as continuation cover.
Each PROTRIP-World contract runs for up to 12 months. If your stay is extended, you can apply for a follow-on policy at the conditions and rates valid at that time; it covers only cases that arise after it starts. Premiums can be paid monthly by SEPA direct debit or credit card, and unused premium is refunded if you return early.
PROTRIP-World is a worldwide travel and visitor health insurance, not a country-specific student-health product. Whether it is accepted for a particular student visa depends on that country's rules, so confirm acceptance with the embassy or university before applying.
Monthly premiums depend on age, region and when you buy, all with a €50 deductible per case. Under-30s on an educational stay who buy before departure pay €29.40 (within the EU), €38.70 (worldwide excl. USA/Canada) or €84.30 (incl. USA/Canada). Bought after departure or from age 30, rates run from €117 (up to 29) to €420 (up to 69) excluding USA/Canada, and from €240 to €936 including USA/Canada. Outpatient and inpatient treatment, medication and medically necessary repatriation are covered without limit; pain-relieving dental treatment up to €500 per case.
Yes. SafetyWing is a subscription travel medical product designed to be purchased from abroad, so you can sign up even after your trip has started. Coverage begins from your sign-up date, not retroactively.
Yes. Because it is a flexible monthly subscription, it can bridge the gap after another insurance policy ends. Confirm the exact start date and any waiting periods with the provider.
We list it conservatively as not confirmed visa-compliant. It is travel medical cover rather than comprehensive resident health insurance, and visa and university requirements vary by country. Verify acceptance with the provider and the relevant authority before relying on it.
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