Shipping Insurance Options in Shippo


Shipping Insurance Options in Shippo

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. 

Insuring your Package with XCover

Shippo has partnered with XCover, owned by Cover Genius, allowing you to quickly (and easily) add insurance to your labels while purchasing in Shippo! When you purchase insurance for the first time, you will receive an email and text message asking you to create an XCover account. 

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From the XCover portal, you can make a claim or manage your insurance policies. All insured shipments are subject to the XCover Terms and Conditions.


How to add XCover to your package

  • From the Orders page, click into 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. 
  • You will then get a quote for insurance on your package. 
  • Lastly, select the desired Label. 


How much does it cost to insure my package?

For shipments within the same country, the price of insuring a 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 a packages is 1.50% of the insured value. There is no longer a $1 minimum.



XCover has updated the US Terms and Conditions of the Shippo Total Protection program, which will be effective March 1, 2024.



Can my item be Insured with XCover?

The language around shipping insurance can often be frustrating, misleading, and hard to understand.

Before purchasing your label with XCover , be sure that XCover will insure the item. The full list of exclusions can be found in XCover’s Terms and Conditions and will vary by originating country.


Items that require a signature to be insured

  • Laptops, LCDs and TVs
  • Parcels containing over $250 in jewelry. Jewelry over $250 must also have 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

Can my item be insured with XCover?

For the most up-to-date coverage information please refer to XCover's Terms & Conditions. 

For shipments originating in the United States view policy information here.  

For shipments originating outside the United States view policy information here. 


As of 10/4/2023, coverage is only available for shipments originating from the United States, Canada, United Kingdom, Germany, France, Spain, Italy, and the Netherlands. Coverage for other countries will be coming soon.

Countries that XCover cannot Insure Packages to

Insurance coverage is limited to countries that do not violate United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or the United States of America.

For the US, shipments to following countries are not allowed to be insured. 

  • Afghanistan (Taliban)
  • Algeria
  • Angola (UNITA)
  • Burma (Myanmar)
  • Chechnya, Republic of
  • Congo, Democratic Republic of (formerly Zaire)
  • Cuba
  • Eritrea
  • Ethiopia
  • Iran
  • Iraq
  • Kyrgyzstan
  • Lebanon
  • Liberia
  • Libya
  • Macedonia
  • Nigeria
  • North Korea
  • Russia & CIS Countries (Ukraine, Kazakhstan, Belarus, Azerbaijan, Georgia, Armenia, Moldova)
  • Rwanda
  • Sierra Leone
  • Somalia
  • Sudan
  • Syria
  • Tajikistan
  • Turkmenistan
  • Uzbekistan
  • Venezuela
  • Yemen, Republic of
  • Uganda
  • Zimbabwe

For Canada, shipments to following countries are not allowed to be insured. 

  • Afghanistan
  • Algeria
  • Angola
  • Belarus
  • Benin
  • Bosnia & Herzegovina
  • Botswana
  • Burkina Faso
  • Burma
  • Burundi
  • Cameroon
  • Cape Verde
  • Central African Republic
  • Chad
  • Comoros
  • Congo
  • Congo, The Democratic Republic Of The
  • Cote D’ivoire
  • Cuba
  • Djibouti
  • Equatorial Guinea
  • Eritrea
  • Eswatini
  • Ethiopia
  • Gabon
  • Gambia
  • Ghana
  • Guinea
  • Guinea-Bissau
  • Iran
  • Iraq
  • Kenya
  • Lebanon
  • Lesotho
  • Liberia
  • Libyan Arab Jamahiriya
  • Madagascar
  • Malawi
  • Mali
  • Mauritania
  • Mauritius
  • Mayotte
  • Morocco
  • Mozambique
  • Myanmar
  • Namibia
  • Nicaragua
  • Niger
  • Nigeria
  • North Korea
  • Reunion Island
  • Russia
  • Rwanda
  • Sao Tome And Principe
  • Senegal
  • Seychelles
  • Sierra Leone
  • Somalia
  • South Sudan
  • Sudan
  • Swaziland
  • Syria
  • Tanzania, United Republic Of
  • Togo
  • Tunisia
  • Uganda
  • Ukraine
  • Venezuela
  • Western Sahara
  • Yemen
  • Zambia
  • Zimbabwe


What to do if XCover cannot insure my item?

Shippo Total Protection via XCover may not be available to all users due to factors like shipment history, location, the nature of items being shipped, or other considerations.

If XCover cannot insure your item, most carriers offer basic liability coverage. Each carrier has unique requirements for package insurance, so you will want to determine if your package can be insured under those requirements. If you need a higher coverage amount than basic liability coverage, then purchasing your label directly through a carrier (such as USPS, UPS, DHL, etc.) might be your best option.

To learn more about claim options available through Shippo carrier integrations and access links to carrier coverage for personal carrier accounts, please refer to our help center article titled: Filing a claim for a lost or damaged shipment in Shippo

  Shippo provides Limited Liability Coverage using Carrier Accounts listed below. Please be aware that the coverage may vary depending on the service level you choose for shipping.
Carrier Service Included Coverage
DHL Express Domestic $100.00
DHL Express International $100.00
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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