Since 2014 we've partnered with the world's largest online companies. Today we protect millions of their happy customers.

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As seen on

  • Booking Holdings
  • Shopify
  • Despegar
  • Etraveli
  • Magento

Insurance The Way
You Wished For

Together we create simple policies that don't require a doctorate to read and super quick claims assessments with instant payments. Millions of happy customers in 60+ countries & across 50 US States are protected by us every year, distributed by the world's largest online companies, from a single API call.

Happy Customers

We know that when you put customers at the center of insurance, the obstacles get much smaller, so we co-create policies and benefits with you.

Ready To Go

Our API has dozens of policies ready to integrate for all types of online companies.


Our RESTful API enables partners to optimize price and dynamically bundle policies for any customer in any country and any language.


Our policies are translated in 40+ languages and we're licensed in 60+ countries and 50 US states so you don't need to be.

We're Winning Awards

Cover Genius' Australian entity was recognized as the fastest growing company in the region, two years running. Globally we've won awards for our patented innovations and seamless customer experiences.

  • Technology Fast 50 Finalist
  • Fintech 100
  • Ernst & Younge

Insurance For Any Business

We understand that your success comes from satisfied and loyal customers. Our XCover API lets you deliver on this promise by delivering a seamless customer experience from policy creation to claims management.


The platform that delivers on our vision to protect all the customers of the worlds largest online companies.

XCover is an insurance distribution platform that provides seamlessly integrated end-to-end insurance capability including BrightWrite, our award winning analytics platform responsible for dynamic product recommendations and pricing optimization.

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The API for instant payments, supporting 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.

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The insurtech difference means a shared purpose: growth. Let's catch up.

In the media

  • Le Figaro
  • Business Insider
  • Fortune
  • The Wall Street Journal
  • El Pais
  • Forbes