TopDog - Travel Insurance reviews

Top Dog Insurance is a specialist UK travel insurance provider with over 30 years experience. Top Dog aim to provide the best insurance cover for your needs and ensure each claim is dealt with quickly, fairly and efficiently.


Ranked #13 of 61 Travel Insurance providers based on 2292 reviews

Review Score


Quotes our team received:

  • European Travel £15.46
  • Worldwide Travel* £39.29

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Choose from four levels of travel insurance

Top Dog provides four levels of travel insurance, including single trip, annual multi trip, long stay and gap year. Each policy comes with competitive cover and a variety of benefits tailored to your level of cover.

There is also a payable excess for each policy, that is fixed until your return date. Top Dog has excess ranging from £65 – £125 depending on your level of cover.

The policy booklet has the full terms and conditions. For more information, visit Top Dog’s official website.

Medical Expenses£2,500,000£5,000,000£7,500,000£10,000,000
Missed DepartureX£1,000£1,000£1,500
Personal Accident£2,500£10,000£20,000£100,000
Personal Liability£500,000£1,000,000£2,000,000£3,000,000

Your benefits for travel insurance cover levels

Medical Expenses

If you fall ill or suffer an injury whilst holidaying abroad, Top Dog will cover the cost of medical bills up to £10,000,000 depending on your level of cover. This also includes emergency dental treatment up to £500 and burial or cremation up to £2,500.

Cancellation & Curtailment

If you need to cancel your holiday or cut it short due to unforeseen circumstances, Top Dog will cover the remaining cost of your holiday up to £10,000


If your baggage is lost, stolen or damaged during your holiday, Top Dog will cover the cost of your luggage up to £3,000.


If your money is lost or stolen while your away, Top Dog can provide a cash benefit up to £350, depending on your level of cover.

What Type of Policies Do Topdog Offer?

Top Dog provide four main travel insurance policies, including single trip, annual multi-trip, long stay and gap year. You can choose to have additional cover options, such as gadget, travel, golf, business, wedding/civil partnership, cruise and winter sports. Each add on comes with its own unique benefits to ensure you get the best coverage for you.

What countries are not covered by Topdog?

Top Dog insurance policies will not cover travel to a country, specific area or event which the Travel Advice Unit of the Foreign and Commonwealth Office (FCO) has advised against all travel or all but essential travel. For more information, visit the FCO website

Does Topdog Cover Pre-Existing Conditions?

Top Dog may still offer cover for medical conditions. However, this is subject to you declaring your medical condition/s through Top Dog’s screening service Healthscreen247. This can be integrated within your quotation or please visit and follow the simple online instructions.

How Long Does It Take to Assess A Claim?

While Top Dog do not offer a time limit on assessing claims, they do try to ensure that each claim is dealt with quickly, fairly and efficiently.

About Top Dog

Top Dog Insurance is a division of Citybond Holdings Ltd, which has been trading since 1983. They are one of the UK’s leading direct travel insurance providers and aim to provide the best insurance policies on the market.

About Topdog

Top Dog provide four travel insurance policies to cover a wide range of holidays, including:

  • Single trip
  • Annual multi-trip
  • Long stay
  • Gap year

Each policy covers protection for emergency medical expenses, missed departures, flight delay, lost baggage, and free cover for hundreds of sports and activities.

Topdog Contact Info

TopDog Insurance is a division of Citybond Holdings Ltd., 109 Elmers End Road, Beckenham, Kent BR3 4SY.
Registered in Cardiff No. 1478367. Authorised & Regulated by the Financial Conduct Authority.

Promotions & Offers

Top Dog currently have no offers or promotions


To contact Top Dog Insurance, you can use their contact form, located on their contact pages. Visit for more information. You can also call their office on 0800 093 6686 or email them direct at

For medical screening enquiries, contact HealthScreen246 on 0330 123 5677.

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