{"article":{"id":18358009362075,"url":"https://shippo.zendesk.com/api/v2/help_center/en-us/articles/18358009362075.json","html_url":"https://support.goshippo.com/hc/en-us/articles/18358009362075-XCover-FAQs","author_id":1903753922484,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":6,"upvote_count":3,"downvote_count":3,"section_id":53018855350939,"created_at":"2023-08-29T23:38:37Z","updated_at":"2026-08-04T23:59:00Z","name":"XCover FAQs","title":"XCover FAQs","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-07-30T19:09:23Z","user_segment_id":null,"permission_group_id":1568232,"content_tag_ids":["01H91TJEQXGWPRA5674FXRTE65","01H91TJKTRXESX11EXYS9Q2XMV","01H91TJVYB2QV4G4370GDW795A"],"label_names":[],"body":"<p>We've partnered with XCover to bring you Shippo Shipping Protection: simple, stress-free coverage for your shipments.</p><p>XCover's digital claims process is simple, with instant payment on approved claims, and their support team can help with anything this article doesn't cover. Visit <a href=\"https://www.xcover.com/en-us\"><span class=\"wysiwyg-underline\">XCover</span></a> for more information.</p><hr><h2 id=\"h_01KXNVHKK14AEK3AC3PZKTR4CN\"><span style=\"color: #1a1a1a;\"><strong>Account &amp; activation</strong></span></h2><h3 id=\"h_01KXNVHKK10YFBHJT4R6DQEXPK\"><span style=\"color: #1a1a1a;\"><strong>How do I activate and log in to my XCover account?</strong></span></h3><p>An account is created for you automatically the first time you purchase XCover Protection through Shippo. To activate it:</p><ul>\n<li data-list-item-id=\"ec7ec21cf8b3c78f6906349fc9b5148cd\">Find the confirmation email or text from XCover in your inbox (check your spam or promotions folder if you don't see it).</li>\n<li data-list-item-id=\"eb247ee5a65d5a26ee0c862ea4c576177\">Click the link inside to set up your account at <a href=\"https://www.xcover.com/en-us/login\"><span class=\"wysiwyg-underline\">xcover.com</span></a>.</li>\n<li data-list-item-id=\"ee60fac811fba28ed793d84d93aeeaa0a\">Depending on how you purchased protection, you may be asked to choose which email address to associate with your account. Use that email to log in going forward.</li>\n</ul><p>Once activated, you can log in anytime to view your policies, file a claim, view your protection wording, download your certificate, or cancel or modify your protection.</p><h3 id=\"h_01KXNVHKK213MFRWQRVRX83P8N\"><span style=\"color: #1a1a1a;\"><strong>Is the email I'm receiving from XCover legitimate?</strong></span></h3><p>Yes. When you purchase insurance through XCover for the first time, their team sends an activation email to the address associated with your Shippo account. This only happens for your first shipment. Once your account is active, all future policy information is available inside it.</p><h3 id=\"h_01KXNVHKK31CYWPCCCMK98791D\"><span style=\"color: #1a1a1a;\"><strong>Where are my XCover protection documents?</strong></span></h3><p>To protect your privacy, we don't send XCover documents by mail. Log in to your XCover account to view your documents, wording, and certificate. If you haven't activated your account yet, see How do I activate and log in to my XCover account? above.</p><h3 id=\"h_01KXNVHKK3ADB0F0W1XYGY871R\"><span style=\"color: #1a1a1a;\"><strong>I can't find any emails from XCover. What can I do?</strong></span></h3><p>Confirmation emails can take an hour or two to arrive. If you still don't see one, here's what might be going on:</p><ul>\n<li data-list-item-id=\"efb7f25c4075a68fdb9bb7eeac53175a9\">It may be in your <a href=\"https://www.xcover.com/en-us/help/spam-promotions-social\"><span class=\"wysiwyg-underline\">social, promotions, spam, or junk folder</span></a>.</li>\n<li data-list-item-id=\"e5d158bb50db1f13f3927c0440bca5040\">You purchased protection using <a href=\"https://www.xcover.com/en/help/generic-apple-id\"><span class=\"wysiwyg-underline\">Safari, your Apple Account, or an iCloud email address</span></a>.</li>\n<li data-list-item-id=\"e0efada373b375d95a10c66a8127b8485\">There was a <a href=\"https://www.xcover.com/en/help/generic-typo\"><span class=\"wysiwyg-underline\">typo in your email address</span></a> at purchase.</li>\n<li data-list-item-id=\"ee37ae9d000ee8ee9cc3003bca53cfc42\">You purchased XCover Protection under more than one email address. See What if I have multiple XCover accounts? below.</li>\n<li data-list-item-id=\"e52df6b4b86f2fa1a3d45671888bf2886\">Something went wrong when you purchased protection through Shippo. <a href=\"https://goshippo.com/contact\"><span class=\"wysiwyg-underline\">Contact us</span></a> and we'll help retrieve your XCover reference number, then contact XCover with that number so their team can create an account for you.</li>\n<li data-list-item-id=\"ed932fcd8a9badb89feb6e99c60b8dfff\">You may have purchased protection from a different provider. If that's the case, no need to let XCover know. Their team will close the inquiry.</li>\n</ul><p>Still stuck? <a href=\"https://www.xcover.com/en-us/help/verify-identitymore\"><span class=\"wysiwyg-underline\">Contact XCover</span></a> directly.</p><h3 id=\"h_01KXNVHKK5K3SQ1CGKTSB3MVTH\"><span style=\"color: #1a1a1a;\"><strong>What if I have multiple XCover accounts?</strong></span></h3><p>If you used different sender email addresses across shipments, you may end up with more than one XCover account. To merge them into one, contact XCover with:</p><ul>\n<li data-list-item-id=\"e881fd60d2488614be12246d12dd3e676\">The full name used when you purchased protection.</li>\n<li data-list-item-id=\"e9e9e44b3faa1b97c21eb0aad80b53952\">The email address used for each purchase.</li>\n<li data-list-item-id=\"e9c7016cebef32802319d96aaabb5f324\">Your purchase ID (also called a booking ID, transaction ID, or customer reference number).</li>\n<li data-list-item-id=\"e7c83483e7987c89a4f8c6b186e76088e\">The amount you paid for each purchase.</li>\n<li data-list-item-id=\"e9305aeed4c49a36428d12d82a9df94d5\">The date of each purchase.</li>\n</ul><p>Include this information for every purchase you'd like merged, along with the email address you want to use as your primary account going forward. <a href=\"https://www.xcover.com/en-us/contact-us\"><span class=\"wysiwyg-underline\">Contact XCover</span></a> to get started.</p><h3 id=\"h_01KXNVHKK7NVTC53VJAMM6949P\"><span style=\"color: #1a1a1a;\"><strong>How do I make a change, cancel, or get a refund for my XCover protection?</strong></span></h3><p>You can change or cancel your protection any time before your parcel ships (before the first carrier scan) for a full refund. Once the policy has been cancelled and refunded, it cannot be reinstated. Log in to your XCover account using the same email you use for Shippo, then click Cancel/Modify and follow the instructions. If you haven't activated your account yet, see <strong>How do I activate and log in to my XCover account?</strong> above.</p><h3 id=\"h_01KXNVHKK7NQAYTZKWYNW7632Y\"><span style=\"color: #1a1a1a;\"><strong>Where can I find my shipping and protection invoices?</strong></span></h3><p>Your shipment invoice and your XCover Protection invoice are both available in your Shippo account. If you handle a high volume of shipments, you'll also find a monthly XCover Protection invoice there.</p><p>This is different from your protection certificate, which lives in your XCover account.</p><h3 id=\"h_01KXNVHKK83AB9E2SCJ0QN4JDC\"><span style=\"color: #1a1a1a;\"><strong>How do I turn on XCover Protection for my shipments?</strong></span></h3><p>You can opt in to XCover Protection from your Shippo insurance settings. For step-by-step instructions, including how to turn it on automatically for every package, see <a href=\"https://support.goshippo.com/hc/en-us\"><span class=\"wysiwyg-underline\">Adding insurance to a package in Shippo</span></a>.</p><h3 id=\"h_01KXNVHKK89115YYHARQNQ44BN\"><span style=\"color: #1a1a1a;\"><strong>What email address is my insurance policy connected to?</strong></span></h3><p>Your policy is linked to the email address entered in the sender's shipment details during label creation. If no sender email is provided, it's connected to the email on your Shippo account. For more detail, see <a href=\"https://support.goshippo.com/hc/en-us\"><span class=\"wysiwyg-underline\">Adding insurance to a package in Shippo</span></a>.</p><h3 id=\"h_01KXNVHKK95MJ9FAAD6VNC4300\"><span style=\"color: #1a1a1a;\"><strong>How can I contact XCover?</strong></span></h3><p>Reach XCover's team through their <a href=\"https://www.xcover.com/en-us/contact-us\"><span class=\"wysiwyg-underline\">contact page</span></a>, or browse their <a href=\"https://www.xcover.com/en-us/help/partners/shippo\"><span class=\"wysiwyg-underline\">help center</span></a> for quick answers.</p><p>Phone support is available for US customers in English at +1 (888) 883-6522, Monday through Friday, 9am to 5pm EST. If you have a claim in progress, XCover may also call you if they need more information.</p><hr><h2 id=\"h_01KXNVHKK9QVK47RF7ZHWNR693\"><span style=\"color: #1a1a1a;\"><strong>Coverage details</strong></span></h2><h3 id=\"h_01KXNVHKKAMGHDVYAX6A0SGZ28\"><span style=\"color: #1a1a1a;\"><strong>What am I covered for?</strong></span></h3><p>Total Shipping Protection covers up to the full value of your items plus your declared shipping costs. To make sure shipping is included, add your label cost to the insurance coverage amount when you purchase protection.</p><p>If your items are stolen, lost, or damaged, XCover also covers replacement shipping costs, along with return shipping for damaged parcels and re-shipping for stolen, lost, or damaged ones.</p><p>For the full picture, check your protection wording in your XCover account. See XCover's <a href=\"https://www.xcover.com/en-us/pds/__0XQLK__shippo_termsandconditions\"><span class=\"wysiwyg-underline\">terms and conditions</span></a> for more detail.</p><figure class=\"wysiwyg-table wysiwyg-table-align-left\" style=\"height: 57px; width: 100%;\"><table style=\"background-color: #f5e3b0; border-collapse: collapse; margin-left: 0px; margin-right: auto;\"><tbody><tr style=\"height: 57px;\">\n<td style=\"background-color: #ebbf46; height: 57px; padding: 10px; width: 2.14285%;\"> </td>\n<td style=\"height: 57px; padding: 10px; width: 97.8571%;\">\n<strong>Note: </strong>Insurance coverage doesn't apply to non-trackable service levels. See <a href=\"https://support.goshippo.com/hc/en-us\"><span class=\"wysiwyg-underline\">XCover insurance: coverage and country restrictions</span></a> for what's currently supported.</td>\n</tr></tbody></table></figure><p> </p><h3 id=\"h_01KXNVHKKCEXKCGN80D0QVNEA2\"><span style=\"color: #1a1a1a;\"><strong>What's not covered?</strong></span></h3><p>Protection doesn't extend to goods that were already damaged before shipment. Certain goods may be excluded depending on your protection, so check your protection wording for the specifics, and review the <a href=\"https://www.xcover.com/en-us/pds/shipping-protection-shippo-us?utm_source=xcms&amp;utm_medium=pds&amp;utm_campaign=parcel_insurance_v1\"><span class=\"wysiwyg-underline\">XCover policy wording</span></a> to make sure any claim you file meets coverage guidelines and deadlines.</p><h3 id=\"h_01KXNVHKKDQS6A102FK0NFHQD5\"><span style=\"color: #1a1a1a;\"><strong>When does my protection start and end?</strong></span></h3><p>Once enabled, coverage starts as soon as your shipment leaves its originating address and lasts for the duration of transit. Coverage ends at delivery, though depending on your protection type and country, you may also be covered for theft after delivery. Check your wording in your XCover account for specifics.</p><hr><h2 id=\"h_01KXNVHKKDBFYB3J64E9B7A5PD\"><span style=\"color: #1a1a1a;\"><strong>Making a claim</strong></span></h2><h3 id=\"h_01KXNVHKKDRTQ4HG1ZFMA6TZ6Q\"><span style=\"color: #1a1a1a;\"><strong>How do I make a claim?</strong></span></h3><p>Select Make a claim in your Shippo account to head to the XCover site and start the process.</p><p>A few things to keep in mind:</p><ul>\n<li data-list-item-id=\"e392da7ae869b0d49ab6b0f55962bec82\">Hold on to all packaging material and damaged items until your claim is resolved. XCover may need photos or other proof, and disposing of evidence too early can result in a denied claim.</li>\n<li data-list-item-id=\"e24c51a279b98e8988a8b8d9e71387c92\">If a parcel is marked ‘delivered’ but never arrived, file your claim within 15 days of the delivery scan.</li>\n<li data-list-item-id=\"e5f91eb28f24c9e2f4a484d0324f572fa\">If a parcel is marked ‘not delivered,’ report it within 60 days after the shipped date (carrier pick up).</li>\n<li data-list-item-id=\"ec65ea85aa0bf6919fb59cbbde9bcc2a4\">XCover may ask for supporting documents, like video, photos, or a police report, for theft claims. Claims may be rejected without them.</li>\n</ul><p>XCover aims to resolve 95% of claims within 3 days of filing, so keep an eye on your email for updates. Once your account is active, visit <a href=\"https://www.xcover.com/en-us/claim\"><span class=\"wysiwyg-underline\">XCover Claims</span></a> to get started.</p><p>For the Shippo-side steps to start a claim, see <a href=\"https://support.goshippo.com/hc/en-us\"><span class=\"wysiwyg-underline\">Adding, managing, and claiming XCover insurance</span></a>.</p><hr><h2 id=\"h_01KXNVHKKFJ5S8E6Q8NQ4VRHCZ\"><span style=\"color: #1a1a1a;\"><strong>About XCover</strong></span></h2><h3 id=\"h_01KXNVHKKFGFHMKKSY43X7VRA8\"><span style=\"color: #1a1a1a;\"><strong>Who is XCover?</strong></span></h3><p>XCover is owned by Cover Genius, an insurtech company recently ranked #1 on the Financial Times list of fastest-growing companies. Cover Genius has won dozens of industry awards across the US, EU, UK, Asia, India, and Australia for claims handling and customer support, and counts Sompo, one of the world's largest insurers, as an investor.</p><p>XCover's policies are backed by major insurers, including Lloyd's, Generali, Sompo, CNA, Swiss Re, and Munich Re.</p>","user_segment_ids":[]}}