Claims Information – TopDog Travel Insurance

Claims

If the unfortunate does happen on your trip away and it comes to you having to make a claim, you can be assured that our claims team will try their absolute best to make the process as simple and efficient as possible from start to finish. The TopDog team will ensure that your individual claim is dealt with quickly and fairly based upon the terms and conditions in your policy.

To start the process of making any type of claim, we will need you to fill out a claims form, which can be found below. Our specialist team advise you to fill out the form with as much detail and relevant information as possible, documents and receipts and contact details. This will allow our team to process your claim as quickly as possible as well as saving you time in case we have to come back to you requesting more information.

Downloading A Claims Form

If you needed to cut short your trip and return early, please download and complete this claim form. Please note, this section of your policy applies if you have to return home early due to specified reasons such as injury or illness of yourself, a close relative or someone travelling with you.

Click here to download a Curtailment Claims Form.

If you were delayed at your international departure point, you may be able to claim a benefit for every 12 hours you were delayed. This claim form is also applicable if you were forced to abandon your trip after a 24-hour delay, or if the piste was closed during your winter sports trip.

Click here to download a Delay Claims Form.

If you sought medical attention during your trip and incurred expenses, such as treatment costs or repatriation expenses, please download and complete this claim form. If you’re still in the process of having or seeking treatment, please contact our 24/7 Assistance team.

Click here to download a Medical Expenses Claims Form.

If your personal possessions were lost, stolen, damaged or delayed during your trip, please download and complete this claim form. This includes things like cash, travel documents, delayed baggage and valuables – the limits for each will be clearly explained in your policy wording.

Click here to download a Personal Possessions Claims Form.

If you need to make a claim for gadgets, please see the gadget section below.

As part of your claim, we may need you to complete our Access to Medical Records form, to grant us authorisation to access your records. Simply ask your UK General Practitioner (GP) to fill in this section and attach it to your claim form alongside any other supporting documentation.

Click here to download our Access to Medical Records Form.

Top Tips And Guidelines To Making A Claim

We understand the claims form can look quite lengthy to begin with, so to assist you with the process we have put together a few pointers to give you the confidence to fill the form in to a high standard; getting the ball rolling with your claim as soon as possible.

The front page of the form has a checklist of all the information/ documents you will need to provide in order to make your claim. So, make sure you include everything that appears on the list!
Don’t rush as your writing needs to be clear and concise. We would suggest sticking to block capitals and using a black pen.
The more information the better! If you run out of space on the form, don’t be worried about enclosing a separate piece of paper detailing everything you feel is relevant to the claim.
We strongly advise you to send your form and any supporting documents by recorded delivery. Plus, it is always a good idea to copy of anything you send us.
If you’re claiming for loss or damage of personal possessions, then it is important to know that we will not swap your stuff for brand new replacements. We do take into consideration the age and wear on an item when offering compensation.

Ways to Contact Us

For any claims queries, please fill our our Contact Us Form and we will get back to you as soon as we possibly can . The claims team are open from 8am – 8pm, Monday – Friday and 9am – 1pm on Saturdays.

FAQs

A master policy number is a unique number to the product you have purchased, it is not individual to you, but instead helps our claims team identify what type of policy has been purchased in the event that you can’t remember the name of the policy or your specific policy number. The Master Policy Number is usually found on the front page of your policy wording.

Proof of return home is required to ensure that the policy is being used appropriately. Travel Insurance is not private medical insurance and is not intended for people living abroad. If you are living overseas then it is likely you need to purchase a specialist insurance and not travel insurance. Proof of return is either a return ticket, evidence of your intention to return to the UK on a permanent basis – so university placement, job contract, rental/housing agreement – ‘expiry’ of a visa cannot be accepted as proof of return as these can be extended/renewed easily or precede an application for residency status in certain countries.

Most travel policies in the UK do not offer new for old cover for items lost or stolen while you are away. Most are likely to offer the original purchase price, less deductions for wear and tear. In some cases particularly with high value items, it is worth considering utilising your household policy which may have all risks cover for items away from the home, or look specifically for cover with ‘new for old’ included.

Ideally yes, we understand it may not always be possible to get a police report and so accept loss reports from independent third parties such as a hotel, tour operator, flight company etc.. you need to obtain this as soon as possible following the loss, we will not accept police reports obtained following your return to the UK.