Real-time protection for real-time payments
Cover Genius is the global protection platform that makes offering coverage as easy as accepting payments. We help the world’s leading fintech platforms deliver personalized coverage with one click.
Protection built for the speed of fintechs
Modern fintech platforms need protection that works like their tech: fast, personalized, and built to generate revenue. Cover Genius integrates protection directly into your platform, driving attach rates without adding friction.
Launch in your market quickly with a single API, with the flexibility to scale globally across 60+ countries and all 50 US states without the need for multiple local insurance underwriters.
Replace slow and cumbersome insurance processes with a lightweight, secure cloud-native infrastructure built for the speed of modern transactions.
Unlock new, high-margin income streams by embedding protection directly into your digital ecosystem, earning more on every payment your customers are already making.
Offer seamless protection with a single integration that sets you apart from the competition. Merchants can take advantage of your embedded protection benefits without the hassle or setup.
Convert more free users to paid subscribers by embedding protection benefits that give your premium tiers real, tangible value.
Retain customers longer with personalized protection offers, from simple benefits that add immediate value to more comprehensive coverage as needs evolve.
How Klarna made protection part of every payment
With Cover Genius, Klarna embedded AI-powered protection directly in the payment flow, increasing yield per transaction and paid subscription conversions by allowing customers to safeguard their purchases and file instant claims without leaving the app.
Enterprise-grade infrastructure for global scale
With Cover Genius, you can transform insurance from a one-time sale into a contextual, product-integrated protection layer that strengthens lifetime customer relationships.
Your brand, fully embedded
Deliver protection natively inside your product, from onboarding to claims, without disrupting the payment experience your customers love.
Supercharged subscriptions
Expand your existing subscription programs by adding bite-size protection benefits that are meaningful to customers, cost-effective for your business, and simple to scale up over time.
Protection that resonates
Stand out from competitors by providing protection products tailored to your customers' needs to drive attach rates, create real value, and make protection a seamless experience.
Speed to launch
Skip the heavy engineering lift and regulatory complexity with pre-built integrations, global coverage, and local licensing handled end-to-end so your team can focus on growth.
Resolve claims fast
Provide a fully digital claims experience backed by dynamic forms, two-day median resolution times, and automatic payouts in 90+ currencies.
Get full visibility
View your sales and claims data in real-time with the Partner Portal, adding a layer of transparency and serving as the source of truth for business decisions.
How it works
Simple to start. Built to scale.
Integrate once
Connect via our flexible API or MCP-ready design. Choose your own insurer, or leverage our 50+ global carrier partners.
Go live fast
Our dedicated professional services team gets you live in weeks, with products calibrated for your specific markets, customer segments, and subscription programs.
Optimize continuously
Our AI engine runs pricing experiments, personalizes offers, and surfaces new product opportunities — compounding your revenue as you scale.
FAQ
No. XCover handles end-to-end, with a median resolution time under three days, 24/7 emergency assistance, and automatic payouts in 90+ currencies.
Integration timelines vary by platform, but a lightweight API/SDK and low engineering overhead means it fits into most technical timelines without disruption.
Cover Genius offers global coverage, with support in [fill in]
Yes — XCover holds licenses globally.
Ready to try Cover Genius?
Join the world’s leading fintechs delivering seamless, personalized protection to their customers.