End-To-End Protection.
1 API, 1 Global Partner.
Cover Genius is the insurtech for embedded protection. Through our award-winning distribution platform XCover, we protect the global customers of the world’s largest digital companies including Booking Holdings, Uber, Hopper, Ryanair, Turkish Airlines, Descartes ShipRush, Zip and SeatGeek. We’re also available at Amazon, eBay, Flipkart, Shopee, Wayfair and — through Clyde — thousands more stores.
Protection the way you wished for
Together, we create simple policies that don’t require a doctorate to read and super quick claims handling with instant payments for approved claims in 90+ currencies. We help companies across all industries protect millions of happy customers in 60+ countries and 50 US States every year, all from a single API call.
HAPPY CUSTOMERS
We know that when you put your customers first, they’ll be loyal to your brand, so we work hand-in-hand with you to create policies and benefits to meet their needs.
READY TO GO
Our API has dozens of policies ready to integrate for all types of digital companies.
OPTIMIZED
Our RESTful API enables partners to optimize pricing for the highest possible conversion and dynamically bundle policies in any country and language.
GLOBAL
Our policies are translated in 40+ languages and we're licensed or authorized in 60+ countries and all 50 US states so you don't need to be.
WE'RE WINNING AWARDS
Cover Genius was recognized as the #1 fastest-growing company in Asia-Pacific by the Financial Times. Globally, we’ve won dozens of awards in the US, UK, Asia, Australia, Brazil, Canada and throughout Europe for our insurance distribution platform, which powers our data analytics and experimentation framework and our API for instant payments of approved claims (a nod to our industry-leading NPS).
PROTECTION FOR ANY BUSINESS
We understand that your success comes from satisfied and loyal customers. Our XCover API lets you deliver on this promise by providing a seamless customer experience from policy creation to claims management.
RETAIL
RETAIL
Our zero friction approach starts with AI-backed, real-time protection that’s bundled for whatever’s in the cart.
Read MoreMOBILITY & AUTO
MOBILITY & AUTO
A single API call that allows auto and mobility companies to provide a wide range of motor, travel, injury and liability insurance policies for drivers, riders and vehicles in any market.
Read MorePROPERTY
PROPERTY
Policies for liability, rental protection, contents and full property that engage customers throughout the buying or renting journey.
Read MorePAYMENTS / FINTECH
PAYMENTS / FINTECH
The XCover API enables payments and fintech companies to serve protection at the right time, in the right place, informed by transaction data.
Read MoreGIG ECONOMY
GIG ECONOMY
The XCover API gives gig economy giants the ability to protect both sides of their marketplace.
Read MoreBANK / NEOBANK
FINTECH / NEOBANK
Our API provides the full range of personal and commercial insurance lines that neobanks, FX, AltFis and lenders need.
Read MoreLIVE ENTERTAINMENT TICKETING
LIVE ENTERTAINMENT TICKETING
Our XCover API lets live entertainment ticketing platforms offer protection directly to their customers, letting them book with confidence, safe in the knowledge that they’re protected should things go wrong.
Read MoreLOGISTICS
LOGISTICS
We partner with carriers, freight forwarders, merchants/shippers, shipping aggregators and marketplaces who want domestic or international shipping protection and a truly frictionless experience that’s cheaper and faster than carrier liability.
Read MoreTRAVEL
TRAVEL
Travel companies, airlines and OTAs use XCover for dynamically bundled policies for any source or destination, all from one simple integration.
Read MoreBUSINESS SERVICES
BUSINESS SERVICES
Partnering with leading B2B companies across the globe, we help deliver personalized protection and frictionless experiences to worldwide business customers.
Read MoreXCOVER
The platform that delivers on our vision to protect all the customers of the world’s largest digital companies.
XCover is an insurance distribution platform with seamlessly integrated, end-to-end capabilities including BrightWrite, our award-winning analytics platform responsible for dynamic product recommendations and pricing optimization.
XCLAIM
The API for instant payments of approved claims that supports any XCover claim.
We pay your customer’s claim in real-time, via bank transfer, store credit, virtual prepaid card, credit card top-up or any of the popular e-wallets, in over 90 currencies.
WHAT OUR PARTNERS ARE SAYING
The insurtech difference means a shared purpose: growth. Here’s how our partners are benefiting, in their own words.
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“The Cover Genius technology raises the bar on ticket insurance offerings and delivers outstanding value to our customers.”
Commercial Director, AXS -
“We have experience of selling insurance policies with various structures, and are familiar with the limitations, particularly dealing with multiple underwriters across multiple destinations in multiple languages. Working with Cover Genius as our trusted partner, such pain points are alleviated, so that we can open up our market and policy scope.”
Director Ancillary Sales, Etraveli Group -
"Providing our shoppers with an exceptional customer experience is at the core of everything we do at Flipkart. With Cover Genius, we are confident that we will amplify the customer service standards on our marketplace. "
Senior Vice President, Fintech and Payments Group -
“As a leading international airline, our mission is to offer our passengers the best services both on the ground and in the air. Our integration of Cover Genius’ XCover platform into our booking process means we can now offer our passengers and their travel partners peace of mind during their travel. "
CCO Sales and Customer Experience, Icelandair -
“We are pleased to collaborate with Cover Genius, a valuable partner – who brings in vast amounts of rich experience and industry know-how, to introduce a one-of-a-kind travel protection product that is bundled to offer greater flexibility, comfort, and most importantly, an assurance of coverage in case of any uncertainties to travellers.”
Senior Vice President, TripMoney (the fintech arm of MakeMyTrip) -
“Partnering with Cover Genius enables us to offer efficient, end-to-end and scalable protection solutions in new markets around the world. It will help retailers and webshops protect themselves from inevitable accidents. It gives shoppers confidence in the delivery process and strengthens trust between vendor and consumer.”
Transsmart Product Director, nShift -
"We are delighted to work with Cover Genius on a unique benefit for our customers. Their world-leading technology, award-winning claims process and customer centricity makes them an invaluable partner for Ola as we continue our growth."
Chief Category Officer, Ola -
"Our partnership with Cover Genius reinforces our commitment to revolutionize travel through pioneering technology. Through Cover Genius’ flexible platform and range of technology features, we’re able to launch and continuously improve our travel protection products to ensure they cater to the evolving needs of our customers."
Vice President, Rental Car and Ancillary Products, Priceline -
"We are delighted to partner with Cover Genius to offer our growing network of customers an even more convenient and comprehensive suite of travel insurance options. Customers can now avail of tailored protection packages that are specially curated for each itinerary, regardless of their location or language, to give them peace of mind as they travel with Ryanair, Europe’s no.1 airline."
Director of Ancillary Revenue, Ryanair -
“Our partnership with Cover Genius ensures that we offer our merchants the best and most cost-effective protection. Thanks to the fast and stress-free claim procedure, we not only save them time and money, but also provide their customers with the best service.”
Co-founder and CEO, Sendcloud -
“Offering a comprehensive shipping insurance solution to our e-commerce customers is essential to help protect them against unforeseen circumstances in the delivery. Cover Genius’ XCover platform helps us create a seamless delivery experience and when things go wrong they can replace their items immediately and protect their margins. "
Vice President Ecommerce, Descartes -
“Providing a customer-centric insurance solution with standardized protection across multiple countries and currencies was critical to our expansion into new markets. Cover Genius’ technology gives each of our merchants a seamless customer experience all the way from protecting the customer shipment through easily processing a claim."
General Manager, ShipStation -
“XCover’s global capabilities allows us to offer travel protection to all of our customers through a single integration. Plus, its tech-forward approach ensures our travelers receive offers tailored to their itinerary and unique needs.”
Head of Digital Channels, SKY Airline -
"It is significant for us to work with an insurtech partner that could keep up with our rapidly growing global footprint. Cover Genius’ tech-forward approach allowed for seamless integration in 56 countries to offer our passengers comprehensive, easy-to-understand protection within the booking path for a convenient travel experience"
SVP Sales, Turkish Airlines -
“We are always looking for new options to protect the drivers who choose our platform, and with Cover Genius we are able to offer an efficient form of income protection which is optional and complements the regular insurance that already covers all of our trips.”
Senior Manager, Driver & Safety Operations, Uber -
“We know that our customers are increasingly looking to purchase travel protection, and for the first time, this partnership with Cover Genius provides travellers with coverage needs that are dynamically generated based on itinerary details to protect them should something go wrong during their travels.”
President Director, Via.com -
“As we expand our business into new markets and strengthen our presence in the destinations we currently operate, it is key to have an ally, like Cover Genius, with global reach and capabilities that can support our customers if an unforeseen event occurs during their travels.”
Commercial Director, Volaris -
“We’re excited to collaborate with Cover Genius to offer Zip’s customers real time, relevant offers for their online purchases. We understand our customers want flexibility and peace of mind when making major purchases, and Cover Genius’ embedded technology does exactly that in a seamless and convenient way.”
Co-Founder and Global CEO, Zip
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