Shippo Shipping Insurance (XCover Total Shipping Protection, US)

At a glance

Sold by

Shippo, offered when you buy a label; protection is provided through XCover (Cover Genius).

Claims handled by

Cover Genius Insurance Services, LLC

Risk carried by

The Continental Insurance Company (a CNA company) (Named insurer; licence status not shown)

Max per parcel

$10,000

Published price

1.25% of insured value (including postage) for domestic shipments; 1.50% for cross-border shipments with no minimum fee (Shippo help page; the master policy only says the rate varies)

Pays out on

Invoice price plus shipping costs (new or used goods); if there is no sales contract, new replacement value (new) or used market value set by the administrator (used); capped at the Covered Amount on your certificate.

Relationship to carrier

Pays first; carrier claim not required

Wording available

Public master policy or tariff

The insurer is named in the master policy (No. 610535068). The policy is issued to Cover Genius US Trading, LLC, and the merchant is added as a Certificate Holder. Our review does not establish whether the insurer is admitted in your state.The policy is an ocean marine cargo form; guaranty-fund coverage for ocean marine policies may be limited in some states, so check with your state regulator.

Does Shippo (XCover) cover porch theft?

Theft after documented delivery is covered up to $1,000 per parcel, only with a police report and only if reported within 15 days of the carrier's 'delivered' scan.

Jewelry, watches, laptops, and phones

Jewelry and watches are capped at $5,000 per parcel; parcels with over $250 of jewelry/watches need a physical-signature service with tracking and no seller advertising on the box. Laptops, LCDs and TVs are covered for loss or theft only (not damage), up to $5,000, and need a signature service. The wording has no separate rule for phones; electrical or mechanical derangement is excluded.

Signature rules

• Parcels with more than $250 of jewelry or watches must go by a service that requires a physical signature and has a tracking number.

  “For claims for Parcels containing over $250 in jewelry/watches or containing laptops, LCDs, TVs that have not been sent through a delivery service requiring a physical signature and including a Tracking Number.”

• Laptops, LCDs and TVs must go by a service that requires a signature.

  “Laptops, LCDs and TVs must be sent through a delivery service that requires a signature.”

What it excludes

• Standalone precious metals or stones (diamonds, gems, crystals, pearls)

  “Standalone precious metals or stones (including, but not limited to diamonds, gems, crystals, pearls).”

• Perishable and temperature-sensitive items

  “Perishable foodstuffs and other temperature sensitive items.”

• Standalone lithium batteries and dangerous-goods devices (e-bikes, e-scooters)

  “Standalone Lithium Batteries and devices classified as Dangerous goods under ICAO Packing Instructions 966 or 968 (including, but not limited to eBikes, eBoards, or eScooters)”

• Cash, bullion, credit cards, documents and securities

  “Documents of any nature, including without limitation bonds, deeds, manuscripts, securities or plans.”

• Cannabis/THC products, tobacco, psilocybin, animals, plants, motor vehicles, digital goods

  “Cannabis and related products, whether natural or synthetic, including but not limited to hash, hemp, edibles, or items containing Tetrahydrocannabinol (THC).”

• Scratches, dents, chips and other cosmetic damage

  “Marring, chipping, denting or scratching of any kind.”

• Poor or unsuitable packing (packaging guidelines apply)

  “Insufficiency or unsuitability of packing of the Items.”

• Wrong address entered for the recipient

  “If the Parcel is Lost because an incorrect address was entered for the intended recipient.”

• Delivery to someone who got the parcel by trick or fraud

  “Excluding loss or damage arising out of delivery of the Parcel to someone who obtains it by trick, false pretense, or any fraudulent schemes.”

• Delivery delay

  “Delivery delay.”

• Trading cards not in a rigid, watertight or hard-shell case; grading and authentication services

  “For claims for Parcels containing trading cards that aren't packaged in a watertight, rigid box, magnetic case or hard-shell case.”

• Non-trackable services (Shippo help page)

  “Insurance coverage doesn't apply to non-trackable service levels.”

How and when claims pay

The US wording pays your claim directly and then takes over your rights against the carrier; it does not say you must claim from the carrier first, although the base master policy still contains a carrier-notice clause.

Deadlines

• Report lost, stolen or damaged parcels within 60 days of the shipped date (carrier pick-up and scan).

  “Claims that are reported more than sixty (60) days after the shipped date (carrier pick up and scan).”

• If the carrier marked the parcel 'delivered' but it never arrived, file within 15 days of the carrier-marked delivery date.

  “If Your claim for a Parcel marked as delivered by the carrier but not received at the Delivery Address is not submitted within 15 days of the carrier-marked delivery date.”

• A parcel counts as lost if the carrier declares it lost, or if there is no movement or delivery within 30 days of the ship date (60 days for international).

  “for which there has been no movement or delivery within 30 calendar days of the shipped date for domestic shipments, or 60 calendar days for international shipments.”

• If a parcel you were paid for later arrives, you must return the claim payment within 15 days.

  “If you've received payment for a Lost Parcel and it's subsequently delivered, You must return the approved claim amount to Us within 15 days.”

Payment time

Not stated in the policy. The master policy's 30-day payment clause is deleted by Endorsement 1. Shippo's help page says XCover 'aims to resolve 95% of claims within 3 days of filing' (a target, not a contract term).

What changed recently

• 2026-07-30 Delivered-but-not-received claims: the deadline went from 10 days to 15 days after the delivered scan.

  “the claim must be filed within 10 days from the date/time the carrier marked the Parcel as delivered.”

• 2026-07-30 Not-delivered claims: the deadline went from 30 days (60 international) to 60 days after the shipped date.

  “Claims where the status is "not delivered" must be reported no later than 30 days (60 days for international shipments) after the shipped date (carrier pick up).”

• 2026-07-30 The 25% deductible on jewelry/watches, antiques/artwork and glassware/ceramics claims in the 2024 wording is gone; the endorsement deletes the deductible.

  “Each claim for Jewelry & Watches, Antiques & Artwork and Glassware & Ceramics shall be subject to a 25% Deductible.”

• 2026-07-30 'Damage' widened from damage that makes an item inoperable to damage that impairs value, function or condition.

  “accidental or malicious physical damage to the Items that renders the Items Inoperable.”

• 2026-07-30 Detailed packaging rules were added (cushioning, H-pattern tape, double-wall boxes over 10 lb, box-in-box for electronics, plain boxes for jewelry).

  “Jewelry and high-value items must be shipped in a plain, unbranded box with no seller logos or advertising on the exterior.”

What we couldn't confirm

• The individual Certificate of Insurance (which can set a lower limit) is account-specific and not held.
• Endorsements named in the Declarations (for example Gift Cards In Transit and Cash In Transit) are not attached to the 53-page PDF and were not reviewed.
• Whether a given Shippo account is placed on this master policy was not verified.
• Theft sublimit wording differs. The US wording applies the $1,000 limit to 'Theft of Parcel after documented delivery'. The master endorsement lists 'Theft of Parcel $1,000.00 USD' with no delivery qualifier, so it could be read as capping all theft at $1,000. Our review does not resolve this.
• 'Transit' ends at different points. The US wording says it ends on documented delivery to the delivery address; Endorsement 1 to the master policy says it ends when the intended customer receives the items, and Endorsement 1 overrides the master policy on conflicts.
• The US wording calls itself both 'a contract between You and us' and 'a summary of insurance for information only and isn't Your policy', and refers to the master policy for full details.
• The base master policy (Clause 59) still requires carrier claim letters to accompany claims. Endorsement 1 does not delete it, and the US consumer wording does not mention it.
• Start dates use different triggers. The master attaches to shipments made on or after 12:01AM 07/30/2026; the Shippo US Robust Total Shipping Protection applies to purchases on or after 12:00pm EST 07/30/2026.
• Shippo help pages still say US terms were updated 'effective March 1, 2024' and link the superseded SHIPPV04 wording. They also say 'Perishable items, except wine' and '$250 or more' for jewelry signatures. The current US wording has no wine carve-out and says 'over $250'.
• The price comes from a Shippo help page, not the policy. The master says 'Rate: Varies by Commission Level'.
• Endorsement 5 treats the same commodity list as 'unapproved' (needing underwriter approval), while Endorsement 1 s.4 excludes it outright for domestic parcels. Endorsement 1 governs on conflict.
• Governing law differs: the master says US maritime law, then New York; Endorsement 1 and the Shippo US Robust Total Shipping Protection say Illinois. Endorsement 1 governs on conflict.
• Shippo's non-US wording (the Total Shipping Protection (Shippo non-US wording), policy code SHPROW01) is underwritten by Berkley Insurance Company (Singapore Branch). It sets the porch-piracy sublimit on the certificate and applies proportional underinsurance. It is not the US program described here.

Frequently asked questions

Sources

1. Shippo / XCover — CNA master policy and endorsements (53 pages) master_policy · Policy 610535068; attaches 07/30/2026
2. Shippo US Robust Total Shipping Protection certificate · SHIPPV11; purchases on or after 12:00pm EST 07/30/2026
3. Shippo XCover US legacy March 2024 public wording certificate · SHIPPV04; purchases on or after 02/29/2024 (superseded)
4. Shippo XCover FAQ; account certificate requirements help · retrieved 2026-10-31
5. Shippo adding, managing and claiming XCover insurance help · retrieved 2026-10-31
6. Total Shipping Protection (Shippo non-US wording) certificate · SHPROW01; caveat only

Insurrl doesn't sell insurance and isn't paid by any insurer. This page summarizes published wording; your own certificate, schedule, or account terms can change the result.