Shipping Insurance with XCover

Shipping Insurance with XCover

Shippo partners with shipping insurance provider XCover to elevate your shipping insurance experience, further protect your bottom line, and improve customer satisfaction. Some key benefits include:

  • Easy Claims Process: File claims within an online portal and seamlessly track the status of your claim.
  • No Minimum Fees: Insurance costs as low as 1.25% of your package value, meaning it only costs pennies to insure a $10 package.
  • Porch Piracy Covered: Insure packages against theft from your customer’s doorstep.
  • Global Coverage: Packages being shipped anywhere in the world are covered for ultimate peace of mind.
  • Branded Packages Covered: Secure your shipments and build your brand at the same time.


  Please see details below on our insurance offerings through XCover


One out of Ten shipments arrive damaged, over 1.7 million packages are lost nationwide every day, and more and more customers say they’re unlikely to repurchase if they had a poor delivery experience. Keep orders safe, and provide a better customer experience by adding shipping insurance to your shipments.

In this guide, learn how to insure your packages with Shippo, guarantee coverage, and discover which items can or cannot be insured in Shippo, and more.



We strongly recommend all customers review the XCover Terms of Service here before adding insurance to your shipment. Specifically, the section title:


How to add XCover to your package

  • From the Orders page, click on the Order you would like to insure.
  • Click Shipment Extras from the sidebar.
  • Click Add next to Shipment Insurance.
  • Choose Insurance by XCover.
  • Then, give the total value of the items inside the package. 
  • To ensure your shipping costs are included in your coverage, update the insurance coverage amount to include the cost of your shipping label.
  • You will then get a quote for insurance on your package. 
  • Lastly, select the desired Label. 

What Email Account is my Insurance Policy Connected To?

When you buy insurance through Shippo using our third-party provider XCover, the insurance policy is linked to the email address entered in the sender's shipment details during label creation. All activation emails and other policy-related correspondence will be sent to this email address. If a sender email is not provided when creating the label, the policy will be connected to the email address of the Shippo account holder on record.

Sender Address Label Creation.png

XCover Account Activation

After purchasing the label, if you have not created an XCover account, you will receive an email asking you to do so. You can manage all of your insurance policies through the XCover portal. 

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How much does it cost to insure my package?

For shipments within the same country, the price of insuring your packages is 1.25% of the insured value. So, for example, if a package is insured for a value of $250, insurance would cost $3.13. For cross-border shipments, the price of insuring your packages is 1.50% of the insured value. 


Packaging requirements

For your package to be covered by XCover, you must adhere to the following packaging requirements:

  • Pack your items sufficiently to withstand the everyday rigors of transit. For example, if the item is fragile, pack it with bubble wrap or similar packaging materials to keep the item safe.


Can my item be Insured with XCover?

Let's be honest. The language around shipping insurance can often be frustrating, misleading, and hard to understand. So, we're laying it all out to eliminate any confusion about purchasing shipping insurance with Shippo.

Chances are, your items can be easily insured from within Shippo. But, to guarantee coverage, your item may demand specific package requirements or require a signature. And, in some cases, your item may not be insurable. 

Before purchasing your label with XCover, be sure that XCover will insure the item. Keep in mind that some items may only be insurable with a signature and a tracking number.

Items that are not insured

While many items can be insured through XCover, several items are not eligible. We have listed some common scenarios below. Additionally, several items have sub-limits on coverage. For a full list, please refer to XCover’s detailed terms and conditions.

  • Perishable items, except wine. Perishables include but are not limited to food, pharmaceuticals, plant matter, or chemicals.
  • Laptops, LCDs, and TVs are not covered for Damage.
  • Precious metals and stones, cash, bullion, securities, or documents.
  • Claims resulting from illegality (such as shipping contraband goods).

Please refer to XCover for detailed terms and conditions.

Items that require a signature to be insured

  • Laptops
  • LCDs
  • TV's
  • Jewelry valued at $250 or more will require a signature and a tracking number.

Items with a deductible

Effective, 3/1/24, the following items are subject to a 25% deductible. Please see your XCover policy certificate or the XCover Terms and Conditions for more information. 

  • Jewelry/watches
  • Antiques/Artwork
  • Glassware/Ceramics

Are any markets or countries restricted?

  • Yes. Deliveries to countries on sanction lists from the United Nations, European Union, United Kingdom or the United States are not covered by XCover Protection. To learn more click here. 

Filing a Claim for a lost or damaged shipment-

Packages insured by XCover 

Filing a claim for a lost and damaged shipment just got easier. When you experience an issue with your insured shipment you can initiate a claim for the loss directly through our web app- saving time and avoiding confusion during the claims process. 

  • Navigate to your Shipments page within the Shippo Web App and click on the shipment associated with the insurance purchase. 
  • Within the Shipment Detail side bar, click on “File a Claim”
  • Complete the claim form directly on the XCover website. 
   First time XCover users will need to activate their account. This is an important step to make any future claim submissions hassle-free. Simply find the XCover confirmation SMS or email in your inbox and click the link to activate your account. The link is secure. Follow the instructions to set up your XCover Account. To learn more- see additional instructions under: How do I activate my XCover account.


What to do if XCover cannot insure my item?

XCover has more requirements than a carrier, and unfortunately, any company shipping with XCover will have similar limitations you see listed above. Luckily, carriers have different requirements for insuring packages. 


Note:  If XCover cannot insure your item, your best option is to purchase your label directly through a Carrier (USPS, UPS, DHL, etc.)


Carrier Service Included Coverage Limit
DHL Express International Weight in kilograms X SDR value X 22
FedEx Domestic $100.00
FedEx International $100.00
Purolator Domestic $100.00
Purolator International $100.00
UPS Domestic $100.00
UPS International $100.00
USPS Domestic - Express Mail $100.00
USPS  International- Express Mail $200.00



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