Updated September 29, 2026 · SumCue Editorial Team
Explorer Travel Insurance vs WorldTrips
Explorer Travel Insurance
WorldTrips
Higher score in this comparison
Explorer Travel Insurance vs WorldTrips: the differences
| Compare | Explorer Travel InsuranceReviewVisitVisit | WorldTripsReviewVisitVisit |
|---|---|---|
| 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: 9.3 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 travellers who want cover arranged through a broker with support by email and phone, with excess shown as £0 and cover focused on travel in travel. Active since 2011, it keeps the range narrow while claims run through phone and email.
WorldTrips
WorldTrips is a US insurer aimed at expats, selling travel medical cover where the largest plan pays USD 2,000,000 overall maximum (Atlas Travel). Support runs on email, phone and help centre and claims on Member Portal (DocuSign), mail and fax, so it suits people who want direct cover with a big ceiling.
Score breakdown
| Area | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| Cost | 9.6Excess shown as £0 keeps claim cost free at point of claim. | 9.6Cost turns on the excess, which runs $0 to $5,000, and the plan limit you pick. |
| Offer | 8.4Cover centres on travel with age terms set out in Single trip no max; annual to 79. | 9.1Higher |
| Trust | 8.7Authorisation under 583108 supports clear oversight. | 9.3Higher |
Where each is licensed and available
| 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.
Positions in our rankings
| Ranking | Explorer Travel Insurance | WorldTrips |
|---|---|---|
| Insurance | 11 of 627 | 22 of 627 |
| Travel insurance | 4 of 278 | 14 of 278 |
Sources behind this comparison
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
- Travel focused range shown in travel, which keeps choice clear for holiday cover.
- Excess from £0 is free at the starting level, which helps with small claims.
- Support and claims by phone and email through email and phone and phone and email.
Cons
- Cover stays limited to travel, so households wanting auto or home cover may prefer AXA.
- Support runs on email and phone only, so travellers wanting chat help may look elsewhere.
- Age terms in Single trip no max; annual to 79 cap annual cover, so older frequent travellers should check limits.
WorldTrips
Pros
- It is the insurer itself rather than a broker or a comparison site (insurer).
- The largest plan pays USD 2,000,000 overall maximum (Atlas Travel), a high ceiling for a medical bill abroad.
- Claims can be filed on Member Portal (DocuSign), mail and fax, including a Member Portal with DocuSign.
Cons
- The range is travel only, so there is no auto, home or life cover here.
- Applicants past a certain age are capped at a much smaller policy maximum, so older travellers get a thinner ceiling.
- Support runs on email, phone and help centre only, with no live chat or branch counter.
Who each suits
Explorer Travel Insurance
Who it suits
- Travellers who want travel cover arranged by a broker, unlike dealing direct with TravelSecure as insurer.
- Travellers happy to manage policies by email and phone through email and phone, rather than chat.
Who should look elsewhere
- Households wanting car, home or health cover as well as travel, where AXA lists wider auto, home and renters.
- Travellers seeking life cover, where Polizza Vita con Bonus focuses on life insurance.
WorldTrips
Who it suits
- Expats and people relocating who need medical costs covered away from home.
- Travellers who want a high benefit ceiling and a direct insurer to deal with.
- Anyone who prefers a US insurer holding a California non-resident producer licence.
Who should look elsewhere
- Linxea, which covers life and is the pick if you want life cover rather than expat medical.
- Euroasia Insurance, which covers auto, home and travel, if you need auto or home cover alongside travel.
- Oney Préstamos ES, which covers health, life and gadget, if health or gadget cover at home is the real need.
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 type of cover does Explorer Travel Insurance offer?+
Explorer Travel Insurance arranges cover focused on travel, as shown in travel. It acts under broker, so policies are placed with underwriters rather than carried in house. Check policy wording for limits, exclusions and trip terms before you buy.
Who regulates Explorer Travel Insurance?+
It is authorised under 583108 by the Financial Conduct Authority. That authorisation means conduct rules apply to how products are sold and serviced. You can check the register entry before you arrange cover.
WorldTrips
What does WorldTrips actually insure?+
WorldTrips is an insurer rather than a broker or a comparison site, and it sells one line of cover: travel medical insurance aimed at expats. That means medical care and treatment abroad, not your car, your home or your belongings. It has been trading since 1998 and is based in the US.
How much would a serious claim pay out?+
The largest plan sets an overall ceiling of USD 2,000,000 overall maximum (Atlas Travel), so a major hospital bill abroad is not the thing that limits you. Smaller plans sit lower. You meet the excess first, which runs $0 to $5,000 depending on the plan, before the insurer starts paying the cost.
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