Explorer - Travel Insurance

Explorer - Travel Insurance offers single trip and annual multi-trip travel insurance, as well as winter sports, cruise and backpacker options.

More Info

Quick overview

Gadget cover is included as standard.
Medical conditions can be indicated on the form.
Winter sports cover includes skiing and snowboarding.
Travel extras include airport parking, hotels and lounges.
Policy documents and claims information are available online.

Introduction

Explorer - Travel Insurance offers travel insurance for single trips and annual multi-trip travel.

The options include winter sports, cruise and backpacker cover. Travel extras include airport parking, hotels and lounges.

What Explorer - Travel Insurance offers

The insurance options include five levels of travel cover. Gadget cover is included as standard, and the policies include access to a 24-hour emergency medical assistance service.

Group travel insurance is also available. The website provides policy documents and claims information.

Product and service categories

Single trip insurance

Single trip insurance is available without a maximum age limit. A single trip can be covered for up to 365 days, depending on the policy type selected and the traveller’s age. The policy includes 24-hour emergency assistance.

Annual multi-trip insurance

Annual multi-trip insurance allows an unlimited number of trips during the year. Adults named on a joint annual policy can travel on their own. Children on that policy must travel with at least one insured adult.

Winter sports insurance

Winter sports insurance covers skiing and snowboarding. It includes protection for equipment and cover if the piste is closed due to lack of snow. Off-piste skiing is covered when the traveller is under the supervision of a qualified guide or instructor.

Cruise insurance

Cruise holidays are covered as standard on single trip and annual multi-trip policies. Additional cruise-related cover is an option.

Backpacker insurance

Backpacker insurance is available online. It includes cover for over 100 adventure activities as standard, with an option to add cover for further pursuits. Gadget cover and terrorism cover are included.

Travel extras

Travel extras include airport parking and airport hotels. Airport lounges are also offered. These extras are available through Holiday Extras.

Browse the full range on the Explorer - Travel Insurance website.

More Info

Using the website

The website asks for details including trip type, traveller type, dates, destination and the number of travellers. It also asks for dates of birth and confirmation that the eligibility conditions are met.

There is an option to indicate that medical conditions need to be covered. If the box is left unticked, cover for medical conditions is not provided for anyone to be insured.

Policy documents and claims information are also available on the website.

Notable features

Policies can provide cover for pre-existing medical conditions. The FAQ also states that policies provide cover if a traveller becomes ill with COVID-19.

Personal property is covered up to the amount shown in the policy wording’s Schedule of Benefits. Gadget cover is included as standard, and an online claims service is available for gadget claims.

Frequently asked questions

What age limits apply to the policies?

Single trip policies have no maximum age limit. The maximum age for annual policies is 79, while backpacker policies are available to travellers aged 35 and below.

Is winter sports cover available on an annual policy?

Yes, if the winter sports option has been selected. Cover applies for a maximum of 17 days per policy year.

Is there an age limit for winter sports cover on a single trip?

Winter sports cover on a single trip policy is available up to and including age 65. Off-piste skiing is covered under the supervision of a qualified guide or instructor.

Is scuba diving covered?

Qualified divers can be covered to a maximum depth of 30 metres if they are not diving alone. Unqualified divers can be covered to a maximum depth of 18 metres when accompanied by a qualified instructor.

Do annual policyholders need to report each trip?

No, the FAQ says annual policyholders do not need to tell the insurer each time they travel. An annual policy allows an unlimited number of trips throughout the year.

Can a trip that has already begun be covered?

No, a trip that has already begun when the policy is purchased will not be covered. The eligibility conditions also require cover for the whole trip.

Key takeaways

Single trip and annual multi-trip insurance are available.
Winter sports, cruise and backpacker options are offered.
Gadget cover is included as standard.
Medical conditions can be indicated on the form.
Airport parking, hotels and lounges are offered through Holiday Extras.

Summary

Explorer - Travel Insurance offers several travel insurance options, alongside policy documents and claims information. Its policies include standard gadget cover, with further options for activities and cruise travel.