Explorer Travel Insurance

What to know about shopping at Explorer Travel Insurance

Explorer Travel Insurance is a specialist UK travel cover broker offering five tiers (Bronze through Platinum) across single trip, annual multi-trip, backpacker, cruise and winter sports policies, with no upper age limit on single-trip policies — a deliberate point of difference versus high-street insurers that typically cap cover at 75 or 80. Underwriting is by Allianz Partners, so the claims-handling backbone is one of the largest in European travel insurance, and policies include 24/7 worldwide medical assistance plus gadget cover (phones, tablets, cameras) as standard rather than as a paid add-on.

Destination zones range from UK-only and Europe (split into EU1–EU4 to keep premiums low for shorter-haul cover) through Worldwide-excluding-USA/Canada/Caribbean/Mexico (the cheaper worldwide tier) and full Worldwide-including. Pre-existing medical conditions can be declared and covered at quote stage via an online medical screening — premiums adjust accordingly, but the brand will quote on most conditions other insurers decline outright, including stable cancer, stable cardiac and recent stroke history.

Annual multi-trip policies are usually the right call for anyone taking three or more trips a year — the premium pays back on roughly the third trip versus stacking single-trip cover. Backpacker policies allow continuous trips of up to 18 months with home-visits permitted, and Winter Sports cover includes off-piste skiing, snowboarding, equipment hire cover and piste closure compensation as standard.

Practical buying tip: always read the wording for excursion limits — many policies include cover for hazardous activities like horse riding, paddleboarding, or jet skiing as standard, but bungee jumping, parascending and quad biking usually need a paid add-on. For winter sports, check whether your policy covers reciprocal EHIC/GHIC use first — claiming through the insurance excess can be more expensive than using the GHIC in EU resorts and only insuring the equipment and cancellation portions.

— MoneySaverCodes Team