Explorer Travel Insurance Review and Quotes
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Discover the methodologyIt might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether Explorer is the right company to go on holidays with?
In this definitive Explorer review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is Explorer the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Explorer travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
4,4 Safe overall rating for Explorer
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Online application and quote generation | |
| Cover provided |
Policies available across 4 levels of cover: Gold, Gold Plus, Platinum and Platinum Lite | |
| Value for money |
Affordable premiums | |
| Financial strength | Explorer Travel Insurance is underwritten by Union Reiseversicherung AG, UK. Union Reiseversicherung AG is authorised by BaFin (Germany) and subject to limited regulation by the Financial Conduct Authority (FCA Firm Reference Number 220965) which gives the company the ability to pay out claims. | |
| Technology |
Quote and be generated online |
Explorer travel insurance reviews by expert and consumers
| Review organisation | Explorer travel insurance reviews |
|---|---|
| Defaqto expert | Gold: 2 |
| TrustPilot | 2,4/5 based on 13 opinions |
To check if Explorer is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
Find the best travel insurance in just a few seconds!
What does Explorer travel insurance cover?
Explorer travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
Insurance covers are also available for families. Children under the age of 18 are covered for free when taking out a family policy.
Explorer single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at Explorer | |
|---|---|
| Maximum days per trip | Single Trips up to 120 days |
| Maximum age limit | Single Trip: no upper age limit |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Explorer:
Policy name | Gold | Gold Plus | Platinum Lite | Platinum |
|---|---|---|---|---|
| Defaqto expert rating | 2 | 3 | 3 | 4 |
| Excess (if not stated) | £100 - £150 | £100 - £250 | £125 | £75 |
| Medical expenses | £2.5M | £5M | £7M | £10M |
| Trip cancellation / curtailment | £1500 | £2500 | £3000 | £5000 |
| Delayed departure 12 hours | £15 | £20 | £20 | £30 |
| Delayed departure max | £150 | £200 | £200 | £300 |
| Baggage & belongings | £1000 | £1500 | £1000 | £2000 |
| Money including cash | £200 | £350 | £350 | £500 |
| Repatriation | x | x | x | x |
| Personal liability | £2M | £2M | £2M | £2M |
| Personal accident (excess £0) | £15 000 | £20 000 | £20 000 | £25 000 |
| Legal expenses (excess £0) | £10 000 | £20 000 | £20 000 | £25 000 |
| Hospital benefit (excess £0) | £20 for every 24 hours up to £100 | £25 for every 24 hours up to £500 | £25 for every 24 hours up to £500 | £25 for every 24 hours up to £1000 |
| Accommodation cover | £2000 | £3000 | £4000 | £5000 |
| SAFI* | £500 | £1000 | £1000 | £1500 |
| Cruise / Winter Sports | Optional | Optional | Optional | Optional |
| Business / Wedding | x | Optional | x | Optional |
Find the best travel insurance in just a few seconds!
Explorer backpacker travel insurance
Available across 2 levels of cover: Backpacker and Backpacker Plus and it comes with the following benefits as standard (limits vary across the levels of cover):
- Backpacker Travel Insurance is available for up to 18 months
- 24 hour emergency assistance available
- Terrorism cover available as standard
- Up to £10 million medical expenses cover
- Up to £2,000 if you're unable to go on your trip
- Up to £1,000 for SAFI
- Up to £2 million for personal liability
- Up to £10,000 for legal advice
- Up to £15,000 for personal accident
- More than 30 sports and activities covered as standard (Refer to Policy Document for list)
Explorer winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Available across 4 levels of cover: Gold, Gold Plus, Platinum Lite and Platinum. It comes with the following benefits as standard (Limits vary across the levels of cover):
- 24 hour emergency assistance available
- Up to 17 days for Annual Trip Policies
- Up to £10 million medical emergency cover
- Up to £1,000 for ski equipment
- Up to £25 per every 24 hours (maximum £250) if the piste is closed
- Up to £100 for every 24 hours (maximum £500) if there is a delay due to avalanche.
What are the other travel insurance options available at Explorer?
| Travel insurance options at Explorer | |
|---|---|
| Explorer golf cover | Golf Cover is available across 4 levels of cover: Gold, Gold Plus, Platinum Lite and Platinum. The following benefits comes as standard (Limits vary across the levels of cover):
|
| Explorer business cover | Business Extension is only available across 2 levels of cover: Gold Plus and Platinum. It comes with the following benefits as standard (Limits vary across levels of cover):
|
| Explorer cruise cover | Cruise Extension is available across 4 levels of cover: Gold, Gold Plus, Platinum Lite and Platinum and comes with the following benefits as standard:
|
| Explorer gadget cover | Gadget Extension is available across 2 levels of cover: Standard and Superior. It comes with the following benefits as standard (Limits vary across the levels of cover):
|
| Explorer other extras | Upgrades available are:
|
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Explorer before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is Explorer travel insurance?
You'll find below indicative quotes per level of cover at Explorer:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Explorer:
Policy name | Gold | Gold Plus | ||
|---|---|---|---|---|
| Price - 7 days trip - 30 years old - Europe | £11,03 | £12,69 | ||
| Price - 7 days trip - 65 years old - Europe | £12,55 | £14,44 | ||
| Price - 7 days trip - 30 years old - USA | £18,48 | £21,27 | ||
| Price - 7 days trip - 65 years old - USA | £30,75 | £35,40 |
Find the best travel insurance in just a few seconds!
It is, however, quite difficult to give precise price ranges as Explorer travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at Explorer?
Yes, the following discounts are available:
- Children below the age of 18 can are covered for free provided that they are under a family policy.
- You can get access to special offers if you sign up for Explorer's newsletters.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Explorer.
What else should I know about Explorer travel insurance?
What are the general exclusions at Explorer travel insurance?
- You will be eligible for the policies provided that you are a permanent resident of the UK and registered with a medical practitioner in the UK
- You must be in the UK at the time of purchasing your policy
- On Single Trip Policies, all trips must be completed within 120 days; on Annual Multi Trip Policies, all trips must be completed within 12 months from the start of the policy
- You must not be travelling specifically to get medical treatment or are aware that you're likely going to need medical treatment
- You must be travelling with the intention to return to the UK unless you have agreed otherwise with the insurance company in writing.
How do I get travel insurance quote from Explorer?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Explorer is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to Explorer website?
There is no login option on the Explorer Insurance Services Website
How to claim at Explorer travel insurance?
There are 3 ways to make a claim: by email, phone, or writting a letter.
| How to claim on Explorer travel insurance? | |
|---|---|
| When to claim? | Within 3 months of returning home or as soon as possible. |
| Claim by mail | Travel Claims Facilitiies |
| Claim by email | [email protected] |
| Claim online | |
| Claim by phone | 020 3829 3828 |
How do I contact Explorer travel insurance?
Explorer contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0345 373 0253 | Not Stated |
| Medical Emergency | +44 (0) 20 3829 3836 | Available 24/7 |
| Gadget Claims | 0161 974 1167 | Monday to Friday: 8am to 6pm |
| Claims | 020 3829 3828 | Monday to Friday: 8am to 8pm |
| Quote | 01702 422570 | Monday to Friday: 8am to 8pm |
Explorer other contact details
| Contact details | |
|---|---|
| Address | Explorer Travel Insurance |
| [email protected] |
How to cancel your annual Explorer travel insurance policy?
You will find below main information to cancel your travel insurance policy at Explorer:
| How to cancel Explorer travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | for single trip: 50% of premium refund |
| Cancel by mail | You can send your cancellation letter to: |
| Cancel by email | [email protected] |
| Cancel by phone | 0345 373 0253 |
Our opinion on Explorer travel insurance
Explorer Travel Insurance offers excellent travel insurance packages at competitive prices and are underwritten by Union Reiseversicherung AG, UK. Union Reiseversicherung AG is authorised by BaFin (Germany) and subject to limited regulation by the Financial Conduct Authority (FCA Firm Reference Number 220965). The company is also authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number 583108.
Unfortunately, the company has a low customer satisfaction rate on Trust Pilot. However, the rating is based on about 13 opinions which is not enough to make a fair judgement on. The company has 4.58/5 rating based on more than 4586 opinions on Review.io which seems fair.
We would recommend Explorer Travel Insurance to anyone looking for an affordable travel insurance policy.
