specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Cover Genius
providerId: cover-genius
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Insurance
- Insurtech
- Embedded Insurance
- Protection
- Claims
- Plans
description: >-
  Cover Genius does not publish self-serve, public API pricing. XCover and
  XClaim are partner/commercial integrations: a partner signs a distribution
  agreement and Cover Genius (or its licensed insurer entities) underwrites
  embedded insurance products sold through the partner's checkout. The economic
  model is premium-based - partners earn commission / revenue share on policies
  sold, and Cover Genius retains underwriting and platform economics. There are
  no per-call API fees published; API access is provisioned with partner and
  testing API keys after commercial onboarding. Specific commercial terms are
  not reconciled in this artifact.
notes: >-
  Pricing is negotiated per partner agreement and is not publicly listed.
  Verify commission, revenue share, and product economics directly with a Cover
  Genius account manager / Client Solution Engineer during reconciliation.
sources:
- https://www.covergenius.com/xcover/
- https://partner-docs.covergenius.com/offers/api/reference
- https://partner-docs.covergenius.com/xclaim
plans:
- id: cover-genius-partner
  name: Partner Distribution Agreement
  type: enterprise
  description: >-
    Commercial embedded-insurance distribution partnership. API access (XCover
    Offers/Bookings and XClaim) is provisioned per agreement; partners earn
    commission / revenue share on policies sold through their platform.
  entries:
  - label: Partner Agreement
    name: partner_agreement
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: XCover Offers API
  - name: XCover Bookings and Policies API
  - name: XClaim Claims API
  - name: Webhooks and Events
  - name: Commission / Revenue Share
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com