aid: cover-genius
url: https://raw.githubusercontent.com/api-evangelist/cover-genius/refs/heads/main/apis.yml
name: Cover Genius
kind: company
description: Cover Genius is an insurtech company providing embedded insurance and
  protection at the point of sale. The XCover distribution API lets partners create
  insurance offers, confirm bookings, modify and cancel policies, and receive policy
  lifecycle webhooks, while the XClaim API handles claims intake and instant payments.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Insurtech
- Embedded Insurance
- Protection
- Claims
created: '2026-06-20'
modified: '2026-06-20'
specificationVersion: '0.19'
apis:
- aid: cover-genius:xcover-offers-api
  name: XCover Offers API
  tags:
  - Offers
  - Quotes
  - Embedded Insurance
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner-docs.covergenius.com/offers/api/reference
  baseURL: https://api.xcover.com/x
  properties:
  - url: https://partner-docs.covergenius.com/offers/guides/purchase-workflow-overview/create-offer
    type: Documentation
  - url: https://partner-docs.covergenius.com/offers/api/reference/create-offer
    type: APIReference
  - url: openapi/cover-genius-openapi.yml
    type: OpenAPI
  - url: collections/cover-genius.postman_collection.json
    type: Postman
  description: Creates real-time, context-aware insurance offers (quotes) for a partner's
    customers at the point of sale, returning priced products, localized content, and
    product disclosure documents.
- aid: cover-genius:xcover-bookings-policies-api
  name: XCover Bookings and Policies API
  tags:
  - Bookings
  - Policies
  - Confirmation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner-docs.covergenius.com/offers/api/reference/confirm-offer
  baseURL: https://api.xcover.com/x
  properties:
  - url: https://partner-docs.covergenius.com/offers/guides/purchase-workflow-overview
    type: Documentation
  - url: https://partner-docs.covergenius.com/offers/api/reference/confirm-offer
    type: APIReference
  - url: openapi/cover-genius-openapi.yml
    type: OpenAPI
  - url: collections/cover-genius.postman_collection.json
    type: Postman
  description: Confirms offers into bound policies and retrieves, modifies (quote-for-update
    then confirm-update), and cancels bookings, with idempotency-key support on purchase
    operations.
- aid: cover-genius:xclaim-claims-api
  name: XClaim Claims API
  tags:
  - Claims
  - Payments
  - Settlement
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner-docs.covergenius.com/xclaim
  baseURL: https://api.xclaim.xcover.com
  properties:
  - url: https://partner-docs.covergenius.com/xclaim/readme
    type: Documentation
  - url: https://partner-docs.covergenius.com/xclaim/claims/create-a-new-claim
    type: APIReference
  - url: openapi/cover-genius-openapi.yml
    type: OpenAPI
  description: Files new claims against a partner policy and lists existing claims,
    driving Cover Genius's automated claims assessment and instant payment experience.
- aid: cover-genius:xcover-webhooks
  name: XCover Webhooks and Events
  tags:
  - Webhooks
  - Events
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner-docs.covergenius.com/offers/api/webhooks
  baseURL: https://api.xcover.com/x
  properties:
  - url: https://partner-docs.covergenius.com/offers/api/webhooks
    type: Documentation
  - url: https://partner-docs.covergenius.com/xclaim/webhooks
    type: APIReference
  description: HTTP POST webhook callbacks notifying partner listener URLs of policy
    lifecycle events (BOOKING_CREATED, BOOKING_UPDATED, BOOKING_CANCELLED, and renewal
    events), HMAC-SHA256 signed for verification.
common:
- type: LinkedIn
  url: https://www.linkedin.com/company/cover-genius
- type: Website
  url: https://www.covergenius.com
- type: Documentation
  url: https://partner-docs.covergenius.com
- type: Plans
  url: plans/cover-genius-plans-pricing.yml
- type: RateLimits
  url: rate-limits/cover-genius-rate-limits.yml
- type: FinOps
  url: finops/cover-genius-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com