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EXP

Explorer Travel Insurance

★ 4.6

Explorer Travel Insurance is a UK travel insurance provider offering single-trip, annual multi-trip and backpacker or long-stay cover. Policies are sold directly to customers online and by phone.

Overview

Explorer offers travel insurance through a range of policy types and cover levels, including options for single trips, frequent travel and longer journeys.
Depending on the policy selected, cover may include emergency medical expenses, cancellation, baggage protection, gadget cover and other travel-related benefits.
Travellers with pre-existing medical conditions may be able to request cover through the provider's medical screening process, subject to eligibility and acceptance.

Features

✓ Emergency medical cover: Cover limits range from £5 million on Lite policies to £10 million on higher levels of cover.
✓ Cancellation and curtailment: Cover ranges from £1,000 per person on Lite policies to £5,000 per person on selected higher-tier policies.
✓ Baggage and belongings: Cover ranges from £1,000 to £3,000 depending on the policy level selected.
✓ Personal money: Selected policies include cover for lost or stolen cash, with limits varying by policy tier.
✓ Personal liability: Policies include up to £2 million of personal liability cover.
✓ Gadget cover: Selected policies include protection for devices such as smartphones, tablets and digital cameras, subject to the policy terms and limits.
✓ 24/7 emergency assistance: Policyholders can access emergency support for situations such as hospital admission and medical repatriation while travelling.
✓ UK trips: Selected cover may apply to UK holidays that meet the policy requirements, including minimum pre-booked accommodation conditions.
✓ Legal expenses: Selected policies include legal expenses cover, with limits depending on the level of cover chosen.

Summary

✓ Explorer offers several types of travel insurance, including single-trip, annual multi-trip and backpacker or long-stay cover.
✓ Depending on the policy selected, cover may include emergency medical expenses, cancellation, baggage protection and gadget cover.
✓ The provider may suit travellers looking for longer-trip options, gadget protection or the ability to declare eligible pre-existing medical conditions through a screening process.
✓ Optional or specialist cover may also be available for activities and trips such as cruises, winter sports and golf, depending on the policy selected.
✓ Travellers should compare cover limits, trip-duration rules, age restrictions, medical screening requirements and exclusions before buying.

Budget-conscious travellersOlder travellersGadget cover included

Pros

✓ Gadget cover: Selected policies include protection for eligible smartphones, tablets and digital cameras.
✓ Options for older travellers: Explorer may offer cover to older age groups, although eligibility and trip-duration limits can vary by policy and age.
✓ Established underwriting: Explorer's main travel insurance policies are underwritten by Allianz Partners.
✓ Flexible trip durations: Selected annual policies may offer longer individual trip limits than the standard option.
✓ Medical screening: Travellers can declare eligible pre-existing medical conditions through the provider's screening process.

Cons

• Direct sales only: Explorer policies are sold through the provider's own website or telephone service rather than through some third-party comparison platforms.
• Trip eligibility rules: Policies are generally designed for eligible UK residents taking trips that start and end in the UK.
• Age and trip-duration limits: Maximum trip lengths and available policy options may vary depending on the traveller's age.
• UK residency requirements: Eligibility requirements may include being a permanent UK resident and registered with a UK GP.

Best For

✓ Budget-conscious travellers
✓ Older travellers
✓ Gadget cover included

Who Should Choose Explorer Travel Insurance

✅ Who may want to consider Explorer?
✅ Travellers carrying eligible gadgets
Selected policies include cover for eligible smartphones, tablets and digital cameras, subject to policy limits and exclusions.
✅ Older travellers comparing travel cover
Explorer may offer options for older age groups, although eligibility, pricing and maximum trip duration can vary by age and policy type.
✅ Travellers who value established underwriting
Explorer's main travel insurance policies are underwritten by Allianz Partners.
✅ Backpackers and long-stay travellers
Explorer offers backpacker and long-stay options for travellers planning extended trips, subject to the selected policy's maximum trip duration.
✅ Travellers with eligible pre-existing medical conditions
Medical conditions can be declared through the provider's screening process. Cover is subject to assessment, acceptance and any additional terms or premium.
❌ Who may want to compare other options?
❌ Travellers who prefer to compare every quote through one comparison website
Explorer sells its policies directly, so travellers may need to visit the provider separately when comparing prices and cover.
❌ Travellers with complex or unstable medical conditions
Those with more complex medical needs may also want to compare specialist providers and carefully check screening requirements and exclusions.
❌ Older travellers seeking annual multi-trip cover
Upper age limits and trip-duration restrictions may apply, so travellers should check current eligibility before buying.

Faq

Is Explorer Travel Insurance suitable for older travellers?
Explorer may offer cover for older travellers, but eligibility, age limits and trip-duration rules can vary by policy type. Travellers should check the current policy terms before buying.
Does Explorer cover pre-existing medical conditions?
Pre-existing medical conditions may be considered through Explorer's medical screening process. Cover is subject to declaration, assessment and acceptance.
Does Explorer include winter sports cover?
Winter sports cover may be available as an optional extra on selected policies. Travellers should add it when buying if they need cover for skiing or other winter activities.
Can I buy annual multi-trip cover?
Yes, Explorer offers annual multi-trip policies, subject to age limits, trip-duration rules and other eligibility requirements.
How do I make a claim with Explorer?
Claims should be made through the relevant claims contact shown in the policy documents. Emergency medical situations should be reported as soon as possible using the assistance details provided with the policy.

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We are not an insurer or insurance broker. We do not provide regulated advice or personal recommendations.