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XCover Help Center


Who is XCover?

XCover is owned by Cover Genius, a leading insurance technology firm who was recently ranked #1 in the Financial Times list of fastest-growing companies. Cover Genius has won dozens of industry awards in the US, EU, UK, Asia, India and Australia for its claims handling and customer support and has investment from one of the world’s largest insurers, Sompo. XCover policies are backed by some of the world's largest insurance companies including Lloyd’s, Generali, Sompo, Swiss Re and Munich Re.

Where are my XCover policy documents?

To view your documents including your certificate and invoice and to check your policy wording, you first need to log in to your XCover Account. If this is your first time logging in to your XCover Account, you will receive an email and/or text asking you to verify your account. Make sure you check your spam, promotions and social folders if you can’t find your account email. Once you have set up your XCover Account, you can view your documents and start a claim.

How do I make a change, cancel or get a refund for my XCover Protection?

To make a change or to cancel your protection, please log in to your XCover Account. You may also be able to modify your XCover Protection booking details via the partner you initially bought protection from.

The changes you may be able to make differ based on your country and protection. You may find that you’re unable to make the change that you want. Examples can include changes to the name of the protection holder, removing or adding new names to the protection or transferring your protection to someone else. Your changes may also result in an additional charge or, depending on your protection, you may be eligible for a partial or full refund if you decide to cancel.

How do I log in to my XCover Account?

An account is automatically created for you when you purchase XCover Protection via our partners.

If this is your first time logging in to your XCover Account, you first need to find the confirmation email or text sent from XCover and click the link to set up your XCover Account. If you can’t find your confirmation email in your inbox, be sure to check your spam and trash folders, as well as your promotions and social folders for Gmail users (learn more). If you have multiple email addresses, be sure to check them all, as you may have signed up using a different email address.

In the email or text, click the link to activate your account. The link is secure. Follow the instructions to set up your XCover Account.

Depending on how you purchased protection and what information was shared with us, you may be asked to choose an email address to associate with your XCover Account, which you can then use to log in.

If you have any issues you can also check the instructions within the confirmation message from XCover that was sent when you purchased your XCover Protection.

Within your XCover Account, you will see your policies. At any time you can:

  • View your policy wording. This is also available when you request a quote via our partners or directly on XCover.
  • Download your certificate and invoice.
  • Cancel or make changes to your policy - select the policy, click on Cancel/Modify then follow the instructions. The changes you may be able to make differ based on your country and protection.

How do I log in to my XCover Account if I don't have an email address?

If you purchased XCover without an email address, you can rely on your mobile number instead. Unfortunately, phone numbers can be entered incorrectly so if you are a mobile-only customer and you’re experiencing issues logging in to XCover, please contact our partner who can resolve the issue by providing a link to create your XCover Account.

What should I do if I haven’t received my documents?

As your order processes, it might take an hour or two to receive your policy confirmation via email. Keep an eye on your inbox for the email address associated with the account you made your initial purchase with in case it’s just delayed. Also check your spam, promotions or social folder in your email just in case. If you still don’t have a confirmation email after several hours have passed, feel free to reach out for help.

How do I make a claim?

The XCover claims process is quick and hassle-free, with payment or reimbursement for approved claims processed instantly. Our dedicated team at XCover aims to complete 95% of claims within 3 days of claim filing, so keep a close eye on your emails to ensure there’s no delay. Visit to get started.

What documents do I need to make a claim?

For all claims, we require a detailed description of the event. We may request documents during the claims process such as booking invoices and receipts. Our friendly support team will help you through the claims process and ask you for additional information as needed.