Explorer Travel Insurance Review

Explorer  Travel Insurance Review

Explorer Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Explorer Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Explorer and who underwrites their policies?

Explorer Travel Insurance is a trading style of Explorer Insurance Services Limited, who are based in Essex and authorised and regulated by the Financial Conduct Authority. Explorer Travel Insurance's policies are underwritten by Travel Insurance  Facilities and Insured by Union Reiseversicherung AG.

Our review highlights sixteen important areas of the policy, we feel you should know about. Combine this with reading the 36 page policy booklet and you will have a good idea of what is and isn't covered.

Explorer Travel Insurance offer four levels of cover Gold, Gold Plus, Platinum and Platinum Lite. However if you want the higher levels of cover, you will need to tick the box asking to cover medical conditions (even if you don't have any), to see quotes for the Platinum policies.

 

Explorer Travel Insurance Policies are Underwritten By URV

How Explorer Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Explorer Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Explorer Travel Insurance, they are Platinum, Gold Plus, Gold, Platinum Lite, we have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Gold Plus:

Rating for Single Trip Gold:

Rating for Single Trip Platinum Lite:

The Definitive Guide to Single Trip Travel Insurance Guide here
Explorer Travel Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 2 Backpacker Policies from Explorer Travel Insurance, they are Backpacker , Backpacker Plus, we have rated these as follows:-

Rating for Backpacker Backpacker :

Rating for Backpacker Backpacker Plus:

Backpacker Travel Insurance Guide here
Explorer Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Explorer Travel Insurance, they are Gold, Gold Plus, Platinum, Platinum Lite, we have rated these as follows:-

Rating for Annual Gold:

Rating for Annual Gold Plus:

Rating for Annual Platinum:

Rating for Annual Platinum Lite:

Annual Travel Insurance Guide here
Explorer Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Explorer Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Explorer Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children include step children or foster children provided all are under the age of 18 at the date a policy is issued. Children are only covered when travelling with one or both insured adults.

2

What are the policy age limits?

Gold policies are not available to anyone aged 76 years or over. There is no upper age limit in respect of Gold Plus, Platinum or Platinum Lite single trip policies.

Annual Trip Gold policies are not available to anyone aged 76 years or over. The age limit for gold plus, platinum and platinum lite annual travel policies is under 80 years at the time a policy is purchased.

The Backpacker policy is open to anyone aged between 18 and 44 and the time a policy is purchased.

3

What are the policy Trip Duration limits?

Important Note: You can only get a quote for Platinum and Platinum lite if you tick the box asking to cover medical conditions (even if you don't have any). If you say no to including cover for medical conditions, you are only shown gold and gold plus cover.

Gold cover single trips restricted to 93 days, Gold Plus cover singel trips restricted to 120 days. Platinum and Platinum Lite single trips restricted to 365 days.

Platinum and Platinum Lite Annual travel policies trips are restricted to 45 days for anyone up to the age of 65 and 31 days for anyone between the ages of 66 and 79. However in another section of the policy booklet it states the limit is 31 days accross the board. We recommend checking with the insurer if you plan a trip longer than 31 days.

Gold and Gold Plus annual travel policies restricted to 31 days.

The Backpacker policy can be taken out for up to 18 months.

 

4

What are the options for Winter Sports cover?

Wintersports can be included under a single trip and annual trip policy, although in the case of annual policies cover is restricted to a maximum of 17 days.

27 winter sports activities covered as standard.

Important Note: According to the policy wintersports can be increased to 31 days, by purchasing Activity Pack 3.

It is possible to include wintersports cover for up to 31 days under a backpacker policy, by requesting the additional of activity pack 5 and paying the relevant additional premium.

5

What is classed as a family and how many people can be quoted for?

A Explorer policy can be taken out by an individual person, a couple (defined as someone who lives with you in a domestic relationship at the same address), a family (defined as up to two adults aged under 65 plus any number of their children, step children or foster children.

You are able to insure up to ten individuals under the same policy, although there is no specific discount for doing so.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

If travelling to another European Country you are strongly advised to apply for and carry a European Health Insurance Card. If any claim is reduced as a result, the medical expenses excess will be waived.

If you receive any medical treatment in Australia, you must enrol in MEDICARE

7

What is covered under Sports and Activities on the policy?

Sports and Leisure Pursuits are split into Four Activity Packs. Activity Pack one includes 54 activities that you are automatically covered for. (whilst snorkelling is included Swimming or Beach swimming is not mentioned)

Activity packs 2 - 4 are for riskier pursuits, and if you want to include them, it will require payment of an additional premium. Note also that some of the activities listed require an increased excess and may exclude personal accident and or liability cover.

8

What are the policy Alcohol Exclusion terms?

The policy excludes any claim that was caused by you being under the influence of alcohol (a blood alcohol level that exceeds 0.19% – approximately four pints or four 175ml glasses of wine)

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

All policies include cover for scheduled airline failure. This does not include scheduled flights booked through a travel agent or tour organiser.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

The Gold, Gold Plus and Backpacker Policies exclude cover for any pre-existing medical conditions.

The Platinum and Platinum lite policies will allow you to include cover for pre-existing medical conditions, provided you declare them online using the medical screening process.

11

What are the policy rules on travelling when pregnant?

Policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation.

However, medical expenses and cancellation cover will be provided if medical any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth,
Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Whilst there is no definition of manual work, it is excluded under the policy. However you are covered for working abroad as long as there is no manual labour)

Activity Pack 2 (subject to an additional premium) covers manual labour at ground level and no machinery being used.

13

What are the requirements, if I need to claim for lost, damaged or stolen baggage?

In respect of lost, damaged or stolen items, you will be expected to provide an original receipt or proof of ownership to help substantiate your claim.

14

What does the policy cover in the event of war, terrorism or cyber attack?

War and Terrorism are excluded apart from claims in relation to Medical Expenses, Hospital Benefit and Personal Accident.

15

Does the policy cover natural disaster or catastrophe before and during my holiday?

All policies provide a small amount of cover in respect of alternative accommodation, as a result of a natural disaster. 

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available to you if you are permanently resident in and registered with a medical practitioner in the United Kingdom.

Explorer 's 'User Friendly' Rating

That's Insurance have reviewed Explorer 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Explorer rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Explorer Travel Policies

We've highlighted Pro's anc Cons for Explorer , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Explorer Travel Insurance.

  • Children go free on Family Policies
  • No upper age limit on gold plus, platinum and platinum lite single trip policies
  • Annual Travel Wintersports can be increased to 31 days.

No Con's

What Cover do Explorer policies offer.

We've listed below cover levels for policies offered by offered by Explorer Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Platinum

    Single Trip

    Gold Plus

    Single Trip

    Gold

    Single Trip

    Platinum Lite

    Single Trip

    Gold

    Annual

    Gold Plus

    Annual

    Platinum

    Annual

    Platinum Lite

    Annual

    Backpacker

    Backpacker

    Backpacker Plus

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    100

    100

    125

    100

    100

    75

    125

    125

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    2,000,000

    7,000,000

    2,000,000

    5,000,000

    10,000,000

    7,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,500

    1,500

    3,000

    1,500

    2,500

    5,000

    3,000

    1,000

    2,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    20,000

    15,000

    20,000

    15,000

    20,000

    25,000

    20,000

    7,500

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,000

    1,000

    1,500

    2,000

    1,000

    750

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    200

    150

    200

    150

    200

    250

    200

    100

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    200

    150

    200

    150

    200

    250

    200

    150

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    350

    200

    350

    200

    350

    500

    350

    150

    300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    20,000

    10,000

    20,000

    10,000

    20,000

    25,000

    20,000

    5,000

    10,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    500

    1,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    350

    200

    350

    200

    350

    500

    350

    150

    300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    500

    100

    500

    100

    500

    1,000

    500

    200

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    150

    100

    150

    100

    150

    200

    150

    100

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    1,250

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    200

    200

    200

    200

    200

    250

    200

    100

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    150

    100

    200

    100

    150

    200

    200

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    750

    500

    750

    500

    750

    1,000

    750

    250

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    0

    0

    500

    0

    0

    500

    500

    0

    250

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,000

    0

    0

    0

    1,000

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    500

    500

    0

    500

    500

    1,000

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    500

    500

    500

    0

    500

    500

    500

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    500

    0

    0

    750

    0

    0

    500

    750

    0

    250

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    500

    1,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    Y

    N

    N

    N

    Y

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    Y

    N

    N

    N

    Y

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

    Y

    N

    Y

    Y

    Y

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    N

    Y

    N

    Y

    Y

    Y

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    N

    N

    Y

    N

    N

    Y

    Y

    N

    Y

Sample Quotes from Explorer Travel Insurance.

Listed below are some Sample Quotes offered by Explorer Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 71 - 75

Trip Days: 21

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 7

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 10,000

Single Trip

Europe

Individual

Age: 30 - 39

Trip Days: 21

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum Lite

125

Click Heart to Favourite

Compare Now

Medical Expenses 7,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 200

Baggage 1,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide

Individual

Age: 40 - 49

Trip Days: 365

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold Plus

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 750

Delayed Departure 150

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide

Individual

Age: 60 - 64

Trip Days: 365

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Worldwide

Individual

Age: 18 - 25

Trip Days: 270

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

125

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 250

Delayed Departure 0

Baggage 750

Personal Accident 7,500

Personal Liability 1,000,000

Legal Expenses 5,000

Backpacker

Worldwide

Individual

Age: 30 - 39

Trip Days: 180

Explorer  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker Plus

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 0

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Europe

Individual

Age: 30 - 39

Trip Days: 30