I have dealt with Explorer Travel Insurances many times and have found their service excellent as I have various health problems which they have covered on my insurances at a very reasonable cost. I once had to make a claim for my husband as he had required medical assistance during a cruise we were on and when we returned home I sent off the claim form with the covering letter from the cruise doctor and within a matter of days I had received the money back for the treatment my husband had received. The service was first class and would recommend them. I have already recommended them to my friends.