Updated September 29, 2026 · AssureCue Editorial Team
Explorer Travel Insurance vs WorldTrips
What sets them apart
| Compare |  Explorer Travel Insurance |  WorldTrips |
|---|---|---|
| Provider type | Broker | Insurer |
| Excess from | £0 | $0 to $5,000 |
| Claims channels | Phone, Email | Member Portal (DocuSign), Mail, Fax, Email, PhoneCovers more |
| Age range | Single trip no max; annual to 79 | 14 days old and over; applicants over age 80 limited to a $10,000 policy maximum |
| Cover limit | Not confirmed | USD 2,000,000 overall maximum (Atlas Travel) |
Same on both: Insurance types (Travel).
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Key differences
- WorldTrips scores higher overall: 9.4 vs 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Claims channels: only WorldTrips offers Member Portal (DocuSign), Mail, Fax.
Our verdict on each
Explorer Travel Insurance
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.
WorldTrips
WorldTrips is a US insurer that has traded since 1998, built for expats who need medical cover away from home, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan. The trade-off to weigh is the excess, which runs $0 to $5,000 across plans.
Score breakdown
| Area | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| Cost | 9.6Excess sits at £0 which supports low extra cost at claim stage. | 9.6Site premiums start from a median of €8.37, and the travel ranking median is €7.93, so pricing sits mid-market. |
| Offer | 8.4Cover stays centred on travel across travel with defined age terms. | 9.1Higher |
| Trust | 8.7Broker status is stated as broker under licence 583108. | 9.4Higher |
Positions in our rankings
| Ranking | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| Travel insurance | 5 of 291 | 12 of 291 |
Licences and countries
| Country | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| United Kingdom | Financial Conduct Authority 583108 | Not confirmed |
| United States | Not confirmed |
Additional countries for Explorer Travel Insurance: 4. Additional countries for WorldTrips: 1.
Where these facts come from
Explorer Travel Insurance
- explorerinsurance.co.uk: 5 facts, checked September 29, 2026
WorldTrips
- worldtrips.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| Audience | Not confirmed | Expats |
| Legal entity | Not confirmed | WorldTrips Insurance Services |
| Headquarters | Not confirmed | United States |
| Founded | Not confirmed | 1998 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Pros and cons
Explorer Travel Insurance
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.
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.
WorldTrips
Pros
- Built for expats, with an overall maximum of USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan rather than a short trip limit.
- A specialist insurer trading since 1998 and based in the United States.
- Claims can be filed through Member Portal (DocuSign), mail and fax, so a claim does not rest on a single route.
Cons
- The overall ceiling is USD 2,000,000 overall maximum (Atlas Travel) on the Atlas Travel plan, so very large medical bills stop at that figure.
- Excess runs $0 to $5,000 across plans, so a claim can leave you funding a share of the bill.
- Support reaches you through email, phone and help centre, with claims handled over Member Portal (DocuSign), mail and fax.
Who each suits
Explorer Travel Insurance
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.
WorldTrips
Who it suits
- Expats and long-stay residents abroad whose usual healthcare sits in another country.
- Parents covering a child, since the age rule sets a minimum age and older applicants still qualify, though at a lower policy maximum.
- Travellers who want to start a claim in person, by phone or in writing, through Member Portal (DocuSign), mail and fax.
Who should look elsewhere
- Households wanting auto, home, life or pet cover in the same place: WorldTrips sells travel only, where Good Sam Insurance Agency and bonus.ch list travel with other lines.
- Travellers who need medical sums above the USD 2,000,000 overall maximum (Atlas Travel) ceiling: that is the hard limit on the Atlas Travel plan, so Euroasia Insurance is worth a quote for larger figures.
Current offers
WorldTrips
Current offer
Discount code
Bundle of 3 optional upgrades (Crisis Response, Personal Liability, Accidental Death and Dismemberment)
Optional upgrades bought at checkout on Atlas Travel or Atlas Premium
Source, checked September 26, 2026
Discount code
Atlas Group reduced rate for groups of 5 or more: 10% reduced rate
Groups of 5 or more on the Atlas Group plan
Source, checked September 26, 2026
Country by country
| Country | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
Explorer Travel Insurance
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.
WorldTrips
What does WorldTrips actually cover?+
WorldTrips writes travel medical cover aimed at expats. The overall maximum on the Atlas Travel plan is USD 2,000,000 overall maximum (Atlas Travel), so a long hospital stay abroad is covered up to that ceiling rather than to a small trip limit. Exact benefits depend on the plan you pick.
Who is this cover designed for?+
The stated audience is expats, so it suits people whose normal healthcare sits in another country. Family members are covered too: the age rule sets a minimum age for applicants, and older applicants can still buy cover but at a lower policy maximum. Short trips may find the cover broader than needed.