Scorecard
Shipping insurance, scored from the wording.
14 US shipping insurance programs, scored on six questions that decide whether a claim pays. Every score links to the clause behind it. Wording reviewed October 2026.
| Program | Score | Wording you can read | Who carries the risk | Porch theft | High-value goods | Pays without the carrier | Claim rules |
|---|---|---|---|---|---|---|---|
01  Shippo (XCover) | 3.8 | 5 Master policy or tariff is public | 3 Named insurer, licence status not shown | 3 Covered up to a lower limit | 4 Covered, signature needed above a value | 5 Pays first, carrier not required | 3 Deadlines stated, payment time not |
02  ShipStation ParcelGuard | 3.8 | 3 Partner terms only; policy not public | 5 Named insurer, admitted | 4 Covered, with conditions | 4 Covered, signature needed above a value | – Not stated in the wording | 3 Deadlines stated, payment time not |
03  Shopify Shipping Insurance | 3.7 | 3 Partner terms only; policy not public | 3 Named insurer, surplus lines (no state guaranty fund) | 4 Covered, with conditions | 4 Covered, signature needed above a value | 5 Pays first, carrier not required | 3 Deadlines stated, payment time not |
04  Cabrella | 3.6 | 3 Partner terms only; policy not public | 5 Named insurer, admitted | 2 Only with signature delivery | 5 Covered on standard terms | – Not stated in the wording | 3 Deadlines stated, payment time not |
05  Route | 3.5 | 3 Partner terms only; policy not public | 3 Named insurer, licence status not shown | 4 Covered, with conditions | 3 Covered up to a lower cap | 5 Pays first, carrier not required | 3 Deadlines stated, payment time not |
06  eBay ShipCover | 3.3 | 5 Master policy or tariff is public | 3 Named insurer, surplus lines (no state guaranty fund) | 1 Not covered | 5 Covered on standard terms | 1 Pays only if the carrier is liable | 5 Deadlines and payment time stated |
07  Pirate Ship | 3.0 | 3 Partner terms only; policy not public | 1 Insurer not named in the wording | – Not stated in the wording | 5 Covered on standard terms | – Not stated in the wording | 3 Deadlines stated, payment time not |
08  Etsy Shipping Insurance | 2.5 | 3 Partner terms only; policy not public | 3 Named insurer, surplus lines (no state guaranty fund) | 1 Not covered | – Not stated in the wording | – Not stated in the wording | 3 Deadlines stated, payment time not |
09  Secursus | 2.5 | 3 Partner terms only; policy not public | 1 Insurer not named in the wording | 1 Not covered | 4 Covered, signature needed above a value | 3 Pays above what the carrier owes | 3 Deadlines stated, payment time not |
10  U-PIC | 2.5 | 3 Partner terms only; policy not public | 3 Named insurer, licence status not shown | 1 Not covered | 2 Excluded unless added in writing | 3 Pays above what the carrier owes | 3 Deadlines stated, payment time not |
11  InsureShip | 2.3 | 3 Partner terms only; policy not public | 1 Insurer not named in the wording | – Not stated in the wording | 2 Excluded unless added in writing | – Not stated in the wording | 3 Deadlines stated, payment time not |
12  Easyship | 2.2 | 3 Partner terms only; policy not public | 1 Insurer not named in the wording | 1 Not covered | 3 Covered up to a lower cap | – Not stated in the wording | 3 Deadlines stated, payment time not |
13  Parcel Pro | — | 1 Marketing and help pages only | 1 Insurer not named in the wording | – Not stated in the wording | – Not stated in the wording | – Not stated in the wording | 1 No clear deadlines |
14  UPS Capital InsureShield | — | 3 Partner terms only; policy not public | 1 Insurer not named in the wording | – Not stated in the wording | – Not stated in the wording | – Not stated in the wording | 3 Deadlines stated, payment time not |
“–” means the wording we reviewed doesn't say. Overall score is the average of the questions we could answer; programs with fewer than four answers show “—”.
Carrier coverage isn't insurance.
UPS, FedEx, and USPS liability is set by their own terms. It isn't scored against insurers, but it's what every policy above sits on top of.
FedEx declared value
$50,000 per package for listed Express and Ground services; $500 for FedEx Envelope or Pak; $2,000 per shipment for FedEx SameDay; $1,000 for listed high-risk items.
Read the terms →
UPS declared value
$50,000 per package ($70,000 for certain eligible packages; $100,000 per pallet). Lower caps apply in some channels, such as $500 for UPS Drop Box packages.
Read the terms →
USPS insurance
$100 included on Priority Mail Express, Priority Mail and USPS Ground Advantage; up to $5,000 for Insured Mail (and for extra insurance on Priority Mail Express or Priority Mail); up to $50,000 for Registered Mail.
Read the terms →How we score.
Each program is scored 1 to 5 on six questions, using only the wording we hold: master policies, certificates, partner terms, and filings. Claims made only on marketing or help pages are shown on each profile but never scored. We don't take money from insurers, and no program can pay to change its score.
Wording you can read
Can a merchant read the document that actually decides the claim?
- 5Master policy or tariff is public
- 5Filed with a state regulator
- 3Partner terms only; policy not public
- 1Marketing and help pages only
Who carries the risk
Is a named, licensed insurer on the hook?
- 5Named insurer, admitted
- 3Named insurer, surplus lines (no state guaranty fund)
- 3Captive or fronted structure
- 3Named insurer, licence status not shown
- 1Insurer not named in the wording
Porch theft
Does it pay when a parcel is stolen after a “delivered” scan?
- 5Covered
- 4Covered, with conditions
- 3Covered up to a lower limit
- 2Only with signature delivery
- 1Not covered
High-value goods
How does it treat jewelry, watches, laptops, and phones?
- 5Covered on standard terms
- 4Covered, signature needed above a value
- 3Covered up to a lower cap
- 2Excluded unless added in writing
- 1Excluded
Pays without the carrier
Does it pay even when the carrier isn’t liable?
- 5Pays first, carrier not required
- 3Pays above what the carrier owes
- 2Replaces the carrier’s built-in cover
- 1Pays only if the carrier is liable
Claim rules
Are the filing deadlines and payment time written down?
- 5Deadlines and payment time stated
- 3Deadlines stated, payment time not
- 1No clear deadlines
Scores describe published wording, not claims experience, price, or service. A program can change its terms at any time; each profile shows the edition we reviewed and what we couldn't confirm.