Explorer Travel Insurance review

Updated September 29, 2026 · AssureCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Explorer Travel Insurance suits holidaymakers seeking dedicated travel cover with clear age terms covering Single trip no max; annual to 79 and claims support across phone and email. Backed as a broker model with excess at £0, it records an overall rating of 8.9 among travel focused providers on this site.

Key facts

Best for
Holidaymakers seeking travel only cover with phone plus email support
Insurance types
Travel (Source, checked September 29, 2026)
Provider type
Broker (Source, checked September 29, 2026)
Excess from
£0 (Source, checked September 29, 2026)
Claims channels
Phone, Email (Source, checked September 29, 2026)
Age range
Single trip no max; annual to 79 (Source, checked September 29, 2026)
Official website
explorerinsurance.co.uk

Pros and cons

Pros

  • Excess is shown as £0, which keeps small claims from being eroded by a large retained amount.
  • Cover is dedicated to travel, which suits travellers who value a focused travel range over bundled lines.
  • Claims contact spans phone and email, giving you both phone and email routes when you need help abroad.
  • Unlike MyPhysicianPlan which spans health and travel, Explorer Travel Insurance stays purely travel oriented across travel.

Cons

  • Range stays limited to travel so households wanting bundled home or motor cover may look elsewhere.
  • Support runs on email and phone only, so travellers who prefer live chat or help centre contact may find choice narrow.
  • Annual cover carries age terms noted in Single trip no max; annual to 79, so older travellers seeking yearly cover should check limits closely.
Explorer Travel Insurance

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Scored 8.9 / 10 by AssureCue.

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Who it suits

  • Frequent holidaymakers who want travel only protection may choose Explorer Travel Insurance over AXA because cover stays on travel rather than a wide household panel.
  • Mature single trip travellers who value phone help may choose Explorer Travel Insurance over MyPhysicianPlan because support spans email and phone with age terms set out in Single trip no max; annual to 79.

Who should look elsewhere

  • Travellers wanting bundled car, home and health cover in a single place may prefer AXA because Explorer Travel Insurance covers travel only across travel.
  • Travellers who want direct insurer placement may prefer TravelSecure because Explorer Travel Insurance acts as broker rather than insurer.

What the policy covers

Explorer Travel Insurance keeps its attention on travel, with insurance types shown as travel. That narrow focus can help you compare trip cover without filtering through motor, home or health products. You choose travel protection for your journey, and you assess limits, exclusions and add ons within that travel frame. Age terms are shown as Single trip no max; annual to 79. Single trip acceptance is wide, which helps mature travellers arranging individual holidays, family visits or longer stays abroad. Annual cover has a defined upper boundary, so you should match your travel frequency to the right format. If you travel rarely, single trip cover may suit you. If you travel often through the year, review annual terms with care and confirm eligibility before you commit to purchase.

Safety and regulation

Explorer Travel Insurance acts as broker, shown as broker. That means it arranges cover on your behalf rather than carrying risk on its own balance sheet, and policy wording plus underwriter details will sit within your documents. Oversight comes from the UK conduct regulator under licence 583108. You can use that licence reference to check authorisation and to understand how complaints and conduct rules apply. That structure is common for UK travel specialists, where the broker advises on choice and placement while the insurer handles capital and claims funding. You should still read exclusions, medical declaration rules and evidence needs, since regulation does not remove those duties from you as the policyholder.

Regulation

Regulatory standing is recorded under licence 583108. The regulator named in licensing is the Financial Conduct Authority, which supervises UK brokers on fair value, clear disclosure and orderly handling of complaints. Explorer Travel Insurance is identified as broker in that framework. That status shapes what you can expect at sale and at renewal, including clear policy summaries, defined cancellation terms and access to formal dispute routes where eligible. You remain responsible for accurate disclosure of health, travel plans and party details. Where facts change after purchase, you should update the provider promptly so cover remains aligned with the terms agreed at inception.

Who runs it

The provider is identified as Explorer Insurance Services Limited. That named entity appears on terms, invoices and regulatory entries, so you know which firm holds the broker relationship with you. Home country is shown as GB. That UK domicile aligns with English language service, UK consumer rules and sterling based administration for domestic buyers. Founding is shown as 2011. That history points to a travel specialist presence rather than a recent generalist entrant, which may reassure travellers who value continuity in seasonal cover. Support is offered through email and phone. You can write by email for records and attachments or call by phone for time sensitive help. Authorisation is shown under licence 583108, giving you a reference for checks with the Financial Conduct Authority.

How Explorer Travel Insurance compares

Where Explorer Travel Insurance is available

Available
Guernsey, Isle of Man, Jersey, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (583108), checked September 29, 2026

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What excess applies to Explorer Travel Insurance?+

Excess is listed as £0, which reads as free at the point shown. Your final premium will still vary by trip length, destination, age and options chosen, so review the quote summary before payment.

Does Explorer Travel Insurance cover anything besides travel?+

Insurance types are shown as travel. That focus suits travellers who want a dedicated travel provider rather than a bundled household insurer, though you will need separate arrangements for other lines.

Are there age limits for single trip and annual cover?+

Age terms are shown as Single trip no max; annual to 79. Single trip cover has broader age acceptance, while annual multi trip cover is subject to an upper age boundary, so check your trip type during quotation.

Is Explorer Travel Insurance regulated?+

Explorer Travel Insurance is described as broker and shows licence 583108. Regulation in the UK is provided by the Financial Conduct Authority, which sets conduct and disclosure standards for brokers.

How can I contact Explorer Travel Insurance for help?+

Support is available through email and phone. You can use email for documents and queries or phone for urgent help, though live chat is absent from the listed channels, so plan for those routes.

How do I make a claim?+

Claims contact includes phone and email. You can start a claim by phone or email, and you should keep booking confirmations, receipts, medical notes and delay evidence ready to support assessment.

Who operates Explorer Travel Insurance and where is it based?+

The legal entity is shown as Explorer Insurance Services Limited with home country GB and founding in 2011. That UK base aligns with domestic regulation and with support shaped for UK travellers.

Sources

  • explorerinsurance.co.uk/about-us checked September 29, 2026

    Backs: Provider type, Insurance types

    “Explorer Travel Insurance's policies are underwritten by AWP P&C S.A.”

  • explorerinsurance.co.uk/claims-information checked September 29, 2026

    Backs: Claims channels

    “Telephone: +44 (0) 1444 465553 Email: 247assistance@imglobal.com”

  • explorerinsurance.co.uk/faq checked September 29, 2026

    Backs: Age range, Excess from

    “We can provide cover to customers on a single trip policy up to any age. Our maximum age for annual policies is 79 years”

Compiled from 3 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Explorer Travel Insurance

Explorer Travel Insurance

Holidaymakers seeking travel only cover with phone plus email support

8.9/10Visit

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