TopDog Travel Insurance Reviews 

I booked a Holiday to Mexico for May 2020 and got purchased my insurance from Top Dog on the 18/02/20. My hoilday got cancelled (out of my control) on the 17/04/20.

Top Dog have charged me 50 percent of the total amount paid as well as a 15 pound admin fee for my holiday getting cancelled as it was out side of the 14 day cancel window even though i did not cancel it of my own choice.

Do not use this company let them go out of business.

I have been on phone just now to an advisor and tried to claim a refund on a single trip policy bought last year for a cruise this September which was cancelled a few days ago. It was the most confusing conversation and I’m not sure she knew what I was on about. After what seemed like eternity I was only offered just over thirty pounds on a policy which cost me eighty two. I will now in future only purchase insurance offered by the tour operator as tui refunded in full another trip that was cancelled in June. Not a happy customer I’m afraid.

We bought this insurance with TopDog because it was one of the only insurance policies we could find that stated it would cover you for any cancellations etc during a pandemic. We bought this back at the start of March. But now, when you go on their website they are denying that they cover you for cancellations caused by pandemics. ABSOLUTE SCAM of a company.

The wording in my policy clearly states:

"We will pay you up to the amount shown in the summary of cover for your proportion only of
any irrecoverable unused travel and accommodation costs and other pre-paid charges which
you have paid or are contracted to pay, together with your proportion only of any reasonable
additional travel expenses incurred if: A government directive prohibiting all travel to, or recommending evacuation from,
the country or area you were planning to visit or were staying in, as a result of natural
disasters (such as earthquakes, fires, tsunamis, landslides, floods, hurricanes or epidemic(s)
/ pandemic(s))."

And yet their new announcement on their website reads:

“Please note, our policies will not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for Section "If you need emergency medical treatment abroad"."

UTTER SCAM. BOYCOT AT ALL COSTS.

We bought travel insurance for a holiday to Spain shortly before the government reinstated the quarantine and the holiday was cancelled.

I emailed TopDog directly and also filled out the contact form on the website and they responded to both within hours, contacted us the next day and refunded our money (minus £5 admin fee).

Based on recent reviews, and under current circumstances, I didn't think they would even reply let alone refund us so quickly so I am very happy with the service received.

Very poor service can’t even get through to their claims department.... submitted a claim online as per the advice that a top dog representative give me on the phone weeks ago and nobody has got back to me, can’t even get though to their claims department

Poor company Stay away! will never ever use again! Spent hours trying to contact them by phone so decided to email about my holiday being cancelled due to covid and asked for my policy to be cancelled and full refund but offered next to nothing!

Made a claim on my insurance when Usa Trip was cut short due to covid 19
I was claiming for unused nights in a villa I had booked in Florida My claim was for £630
They agreed the claim but deducted two excesses
£300 for me and £300 for my wife even though I was making just one claim,
They then offered me the remainder of the claim £30,
I can understand having to pay the excess but surely not twice for one claim

Since we purchased insurance with topdog they took our money and it seems to be we got your money now we don't care because we have tried to contact them and will not reply s what do you think I fell about topdog
Bernadette

Upcoming trip cancelled and tried to cancel the policy and claim a refund ,sent emails and nothing back .I will now have to take this matter higher ,quick to take money but not to refund. Not a good service .

After the first review and then leaving their reply,I contacted them again and still nothing from them.

Purchased travel insurance for a trip to Cyprus with my family in March. I didn’t receive any confirmation emails or documents for this trip, which made me wonder if they were genuine. My trip was then cancelled due to COVID 19. I emailed Top Dog twice to cancel as was within the cooling off period and my emails were ignored! They were very good at still managing to send me marketing emails though whilst taking my money and ignoring me. Shoddy service, avoid! Will never use again!

I took out Travel insurance with Top Dog to start on the first day of my holiday which would have been next week. This holiday was cancelled due to Covid-19. Top Dog have said they will not cover claims for a cancelled holiday due to Covid-19. I asked if I can therefore cancel my insurance cover for a holiday that can’t go ahead next week and get my money back. They said no as I have chosen to cancel the policy. Disgraceful

Took out a single trip travel insurance with Top Dog. Since then my travel agent has cancelled the holiday. I looked at TD's terms and conditions for the refund of premium. It says 50% of premium and a £15 admin charge....fair enough. I followed their process for cancelling the policy and requesting a refund. My email was dated 28th April 2020. On 1st May I hadn't received a response or acknowledgement so I sent a reminder. As at 8th May, still no response. Tried phoning but it says line busy. Personally, I think they have disabled the number.
Looks as if I'll be going to the Small Claims court if no response received in the next week.

12/05/2020....as well as following the TopDog process for requesting a refund, I used their Complaints form, yesterday, which goes to their parent company TIF Group. Within 24 hours my request has been processed and my refund is being returned, today. I followed their T&Cs for a single trip and have 50% of the insurance premium being returned. I also have 100% of the medical condition insurance premium returned and the £15 admin fee has been waived.
I put this down to knowing what the T&Cs say, following the initial process, giving them sufficient time to respond to my request, using their Complaints process, suggesting where I think TopDog can improve their Customer Experience and, very important, being firm but kind to those whom I dealt with.

Where do I start. Our upcoming holiday to France has been cancelled due to the current Covid 19 situation and we received a full refund from our travel provider.
Contacted Top Dog to cancel the policy, to be told I would get a refund but days on cover would be deducted- fair enough - and then a £15 cancellation charge was levied so a total refund of £2.75 !!

Friends and family in exactly the same situation with different insurers have received full refunds with absolutely no drama,
These guys are simply exploiting the current situation and should hang their heads in shame.

I’ve used Top Dog last couple of years they’re multi trip is the best value I’ve found very easy to use the website all in all very satisfied

When I applied the links on the insurance quote did not connect to be able to purchase. Had to get several quotes before link worked
In the mean time the quote had increased by several pounds

Great policy covers all that I was looking for.

could not print out summary of dates etc so i took phone picture to carry ! otherwise all as usual thank you

Easy to use, though it didn't ask so many medical questions this time, so I hope there won't be any problems in the event I have to makke any claims,
Price seems reasonable.