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

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Our policies are used 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


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 payment, 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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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.


Our zero friction approach starts with policies that aren’t written by lawyers, where the benefits are bespoke and bundled for whatever’s in the cart.


The XCover API creates a new distribution channel for a range of personal insurance products, served at the right time, in the right place.


We partner with carriers, freight fowarders, merchants/shippers, shipping aggregators and marketplaces who want domestic or international shipping and a truly frictionless experience.

Mobility & Auto

A single API call that allows auto and mobility companies to create frictionless experiences for a wide range of motor, travel, injury and liability insurance policies for any market.

Gig Economy

The XCover API provides end to end processing of contractor's liability coverage for the giants of the gig economy.


OTAs, Metas, airlines, LCCs, accommdation providers, tour aggregators and cruise lines use XCover for dynamically bundled policies from one simple integration.

Fintech / Neobank

You've built your business by slaying dinosaurs. So have we. Our whitelabels and APIs have commercial and personal insurance packs that neobanks, FX, AltFi's and lenders need.

Car Rent / Share

We built, the #1 car rental insurance distributor globally. Enough said.


Policies for liability, rental protection, contents and full property that are bundled or paid at the time of listing. Offer them all with the XCover API.


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

As seen on

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