Explorer Travel Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

It 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 ratingOur opinion
Customer service & satisfaction

Online application and quote generation
4 star rating on Defaqto
Easily accessible policy documents
Long and tedious claims process
Low customer satisfaction rate on Trust Pilot

Cover provided

Policies available across 4 levels of cover: Gold, Gold Plus, Platinum and Platinum Lite
Specific insurance covers such as Wedding, Golf, Cruise are available
More than 30 activities and sports included as standard
High limits of medical emergency cover of up to £10 million
No upper age limit for single trip policy

Value for money

Affordable premiums
Cover for children under family policy is free
You can get special offers if you sign up for their newletters

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
User friendly website with easily accessible policy documents
No live chat or chat bot features
No customer portal

Safe rating for Explorer travel insurance

Explorer travel insurance reviews by expert and consumers

Review organisationExplorer travel insurance reviews
Defaqto expert

Gold: 2
Gold Plus: 3
Platinum Lite: 3
Platinum: 4

TrustPilot

2,4/5 based on 13 opinions

Consumer satisfaction rates on reviews for Explorer holiday insurance

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.

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
Annual Multi Trip: unlimited number of travel no longer than 31 days if you are aged 65 and over and 45 days for people below the age of 65.

Maximum age limit

Single Trip: no upper age limit
Annual Multi-Trip: 79 years old

Maximum days and age limit for single-trip and annual multi-trip policies 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 PlusPlatinum LitePlatinum
Defaqto expert rating2334
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
Repatriationxxxx
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 SportsOptionalOptionalOptionalOptional
Business / WeddingxOptionalxOptional
Explorer travel insurance in details

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 insurance

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):

  • Up to £1,000 for golf equipement
  • Up to £75 if you managed to get a hole in one
  • Up to £150 if you’re unable to golf due to Golf course closure.
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):

  • Up to £2,000 for business equipment lost or stolen
  • Up to £1,000 for business money lost or stolen
  • Up to £100 for every 24 hours (maximum £500) to hire business equipment.
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:

  • 24 hour emergency assistance available
  • Up to £10 million medical emergency cover
  • Up to £1,000 for missed port departure
  • Up to £100 for every 24 hours (maximum £500) for cabin confinement due to illness or injury
  • Up to £150 per port (maximum £600) for itinenary change
  • Up to £500 for unused cruise excursions
  • Up to £1,000 for cruise interruption.
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):

  • Up to £2,000 total gadget cover
  • Up to £1,000 per single article
  • Up to £100 for unauthorised calls and data
  • Up to £150 for gadget accessories that are lost or stolen along with the gadgets
  • Up to 6 number of gadgets insured provided they are not more than 36 months old at the start of the insurance.
Explorer other extras

Upgrades available are:

  • Wedding Cover
  • Activity Packs
Other travel insurance policy options available at Explorer

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
Explorer travel insurance in details

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.

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
PO Box 395
Monks Green Farm
Mangrove Lane
Hertford, SG13 9JW

Claim by email[email protected]
Claim online

Visit this page.

Claim by phone

020 3829 3828

How to make a claim on Explorer travel insurance

How do I contact Explorer travel insurance?

Explorer contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0345 373 0253

Not Stated

Medical Emergency+44 (0) 20 3829 3836

Available 24/7

Gadget Claims0161 974 1167

Monday to Friday: 8am to 6pm

Claims020 3829 3828

Monday to Friday: 8am to 8pm
Saturday: 9am to 1pm

Quote01702 422570

Monday to Friday: 8am to 8pm
Saturday: 9am to 1pm

Explorer contact phone numbers

Explorer other contact details

Contact details
Address

Explorer Travel Insurance
Suite 9, Chalkwell Lawns
648-656 London Road
Westcliff on Sea
SS0 9HR

Email[email protected]
Explorer contact details

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
for multi trip: 5% of monthly premium refund

Cancel by mail

You can send your cancellation letter to:
Explorer Travel Insurance
Suite 9, Chalkwell Lawns
648-656 London Road, Westcliff on Sea, SS0 9HR

Cancel by email[email protected]
Cancel by phone

0345 373 0253

How to cancel Explorer travel insurance

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.