I have been with TopCover since it was introduced at Emirates almost 18 years ago. When my health failed, the year leading up to my termination by the airline was filled with many uncertainties and was an extremely stressful time, both for me and for my family. Knowing that I had adequate protection that started 180 days after I was grounded removed the immediate financial concerns and allowed me to focus on my health and my treatment plan. My claim was handled in a very transparent and professional manner which removed any doubt about receiving benefits. Easy access to a TopCover liaison also meant that any queries were handled efficiently, while also lending me support. I have no hesitation in recommending this product and the peace of mind it brings.
Captain Keith Crutchley. Emirates
I never thought that I would lose my medical, my job and my home. Only then do you realize the importance of a lifesaving backup plan like TOPCOVER. I want to take this opportunity to thank all parties involved in supporting me in these hard times.
Captain Nathan Hildebrand A380 TRI
If you have not taken out any Income Protection insurance, I strongly recommend you do. Despite the pain of paying the premiums it is worth it, believe me. I would hate to be where I am today with no TopCover financial backup.
Captain Richard Watson
After only a year flying with flydubai I was diagnosed with acute leukaemia and was immediately grounded. After two and half years of treatment I am still not able to return to flying and the company then asked me to resign.

Thank God I had the TopCover income protection plan. My claim was approved quickly and after the 6 month waiting period I started receiving my monthly benefit, and I am still receiving it now in Italy, even though I am not employed by flydubai anymore.

TopCover is an unbelievable policy that has provided me and my family with financial stability. Without it I would have a huge problem, especially as I came out of the National Assistance Scheme when I moved to the Dubai so I would not be eligible for support in my country.

As a young healthy pilot I didn’t apply for additional benefits. I wish I had but with the benefit of hindsight everything is easy !

Bottom line, I really recommend you all to take care of your future and that of your family, TOPCOVER offers an excellent service, which works well, and has really taken a lot of stress away from me in the worst period of my life.
FO Alessandro Lambardi - flydubai
I recently lost my Class 1 medical due to an unfortunate accident. I was covered by TOPCOVER, and it was an absolute blessing to receive such support and assistance from professional staff, during a very traumatic time!

With very little effort from my side, and assistance offered by IPEP, the lump sum for the personal accident cover was paid into my bank of choice. After the 180 day waiting period, I started receiving my monthly benefits, and continue to do so. I would highly recommend TOPCOVER to any everyone that is able to join their scheme! It is really a 1st class product!
Captain Nic Bac - Emirates
I have been a pilot with Emirates for the last 8 years and have had a TopCover policy for the last 2 years or so, never realising that I would soon be filing a claim! The claims process was extremely straightforward... The TopCover staff have been extremely courteous and professional throughout my dealings with them and very quickly settled my Critical illness (cash lump sum) claim with no quibbling whatsoever. Simultaneously they were dealing with the processing of my income protection policy and have been quick to answer any of my queries, keeping me appraised of the whole process as it unfolded. Again, my income protection claim was approved very quickly and this has really taken a lot of the stress away from me.
First Officer Martyn Smith - Emirates
Although I'd prefer not to have to claim anything and remain healthy, the TopCover benefits were a big help in times of my illness.
FO Jan Chalupnik - flydubai
After one year into my employment as a First Officer with flydubai, I lost my medical and was grounded for a period of one year. Never in my life did I ever think I would find myself in such a situation. Thank God I had signed up for the TopCover income protection plan. Without many questions asked, my income protection claim was approved and payments began just as they said it would. TopCover really did 'Ease the Squeeze' during this trying time for me. Now I'm back at work and would strongly advise my colleagues to sign up with TopCover.
First Officer Dexter Elcock