Yup sounds like a fan failure to me, check by bridging the pins on the radiator temp sender plug as tt5th said. Also you shouldn't have to keep topping it up, sounds like you have a coolant leak somewhere!
Replace the header tank cap first with a new blue one as these have a better seal/pressure valve design. Next check the 2 plastic flanges on the front & right side of the block, common places for leaks.
If all that checks out, take the grill, rad fan & shroud off, and check the rad for white crusty deposits, especially on the end caps either side.