Went on a holiday cruise taking out Platinum Cover (Highest). British Airways lost our luggage which eventually caught us up 3 days later after a lot of leg work. 3 days without prescribed medication left me in a pretty bad state for the rest of the holiday. After speaking to there EXTERNAL insurance claims I was advised that I can claim £50 a day for my baggage, and that's all for a holiday experience that was totally ruined. I called Explorer Travel Insurance again asking them to clarify on the poor level of cover for the Platinum level policy, they advised they have no connection with claims and how they assess cases, and that I would need to take this up with claims who do not appear to be affiliated with Explorer Travel Insurance. "They're happy to sell top level of cover but when things go wrong they will not provide the compensation expected for level of cover", as i was told by the sales agent there are exceptions to every statement of cover in the policy!