Insurance made smarter

We believe that customers should be getting insurance from their favorite online companies. Since 2014 we haven’t stopped rethinking insurance.

Starting with simple policies that don’t require a doctorate and super quick claims assessments with instant payments, our smart suite of products have been used by millions of happy customers in over 60 countries and 50 US states, all distributed by the world’s largest online companies, from a single API call.

How Cover Genius can enhance your business.

Happy customers

From our easy-to-understand policies to our instant payment of claims and user-centered approach to claims handling, we create seamless customer journeys.

Easy innovation

We develop elegant APIs that integrate easily into our partner sites. We create moments of 'magic' that simply work.

Safe hands

We have sold more than one million policies and we make 40,000 customers happy every month. We’ve won awards globally for our growth, but more importantly, we’ve been recognized for our customer service and payment innovations.

Global scale

With offices in the US, Europe, and Asia, our partners are able to quickly launch regulated policies into 60+ countries and 50 US states. Our licensing framework enables our partners to sell to their global audience from Day One.

Cover Genius' XCover platform for insurance distribution delivers peace of mind to your global customers.

We understand that your success comes from satisfied and loyal customers and we work together to ensure that your high standards are met through the entire customer journey, from policy manufacture to claims. Our unique underwriting approach and platform capability makes insurance magic through simplicity and seamlessness, with relevant protection that's sold at the right time, all from a single API call.


The world’s largest retailers use our XCover API to sell product insurance to their customers.

Payments & Fintech

Using data insights to offer insurance at the point of sale or from your app


 Distribute Insurance at the time of booking, improving your customer's experience and, providing new revenue streams for your business


Insurance is critical to delivering customer satisfaction. Policies to cover renters and platforms.

Gig Economy

The XCover API does quote and bind for contractor's liability.


OTAs, metas, LCCs and cruise lines use XCover to sell coverage for medical, cancelation, gadget for travelers and more, in price-optimized packages.


XCover's API has homeowner and renters insurance for 60+ countries and 50 US states.


Policies for liability, rental protection, contents and full property that are bundled or paid at the time of listing.

Car Rentals

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

Easy integration from an elegant API

We take a customer-centric approach that starts with the policy wording and ends with instant payment of claims in 90+ currencies. Our platform enables partners to control the entire experience. Consequently, we achieve NPS scores of +65 for our partners.

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