Cover Genius

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.

4 APIs 0 Features

InsuranceInsurtechEmbedded InsuranceProtectionClaims

APIs

XCover Offers API

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 d...

XCover Bookings and Policies API

Confirms offers into bound policies and retrieves, modifies (quote-for-update then confirm-update), and cancels bookings, with idempotency-key support on purchase operations.

XClaim Claims API

Files new claims against a partner policy and lists existing claims, driving Cover Genius's automated claims assessment and instant payment experience.

XCover Webhooks and Events

HTTP POST webhook callbacks notifying partner listener URLs of policy lifecycle events (BOOKING_CREATED, BOOKING_UPDATED, BOOKING_CANCELLED, and renewal events), HMAC-SHA256 sig...

Collections

Cover Genius XCover API

OPEN

Pricing Plans

Cover Genius Plans Pricing

1 plans

PLANS

Rate Limits

Cover Genius Rate Limits

3 limits

RATE LIMITS

FinOps

Cover Genius Finops

FINOPS

Resources

Sources

opencollection: 1.0.0
info:
  name: Cover Genius XCover API
  version: '2.0'
request:
  auth:
    type: apikey
    apikey:
      key: X-Api-Key
      value: '{{apiKey}}'
      in: header
items:
- info:
    name: Offers
    type: folder
  items:
  - info:
      name: Create offer
      type: http
    http:
      method: POST
      url: https://api.xcover.com/x/partners/{{partnerCode}}/offers/
      body:
        type: json
        data: "{\n  \"request\": [],\n  \"quotePackage\": {\n    \"currency\": \"USD\",\n    \"customer_country\": \"US\"\
          ,\n    \"customer_language\": \"en\"\n  }\n}"
    docs: Creates one or more insurance offers (quotes) for a customer based on supplied context.
  - info:
      name: Opt out of offer
      type: http
    http:
      method: POST
      url: https://api.xcover.com/x/partners/{{partnerCode}}/offers/{{offerId}}/opt_out/
    docs: Records that a customer has declined a presented insurance offer.
- info:
    name: Bookings
    type: folder
  items:
  - info:
      name: Confirm offer (create booking)
      type: http
    http:
      method: POST
      url: https://api.xcover.com/x/partners/{{partnerCode}}/offers/{{offerId}}/confirm/
      body:
        type: json
        data: "{\n  \"quotes\": [],\n  \"policyholder\": {\n    \"first_name\": \"\",\n    \"last_name\": \"\",\n    \"email\"\
          : \"\"\n  }\n}"
    docs: Confirms selected quotes from an offer into a bound policy. Supports x-idempotency-key.
  - info:
      name: Get booking
      type: http
    http:
      method: GET
      url: https://api.xcover.com/x/partners/{{partnerCode}}/bookings/{{bookingId}}/
    docs: Retrieves the details of a confirmed booking and its policies.
  - info:
      name: Modify booking
      type: http
    http:
      method: PATCH
      url: https://api.xcover.com/x/partners/{{partnerCode}}/bookings/{{bookingId}}/
      body:
        type: json
        data: "{\n  \"quotes\": []\n}"
    docs: Applies modifications directly to a confirmed booking.
  - info:
      name: Quote booking modification
      type: http
    http:
      method: PATCH
      url: https://api.xcover.com/x/partners/{{partnerCode}}/bookings/{{bookingId}}/quote_for_update
      body:
        type: json
        data: "{\n  \"quotes\": []\n}"
    docs: Previews the price impact of a modification, returning an update_id.
  - info:
      name: Confirm booking modification
      type: http
    http:
      method: POST
      url: https://api.xcover.com/x/partners/{{partnerCode}}/bookings/{{bookingId}}/confirm_update/{{updateId}}/
    docs: Confirms a previously previewed booking modification by update_id.
  - info:
      name: Cancel booking
      type: http
    http:
      method: POST
      url: https://api.xcover.com/x/partners/{{partnerCode}}/bookings/{{bookingId}}/cancel
      body:
        type: json
        data: "{\n  \"preview\": true\n}"
    docs: Cancels a booking; preview true returns a cancellation_id and refund preview.
- info:
    name: XClaim
    type: folder
  items:
  - info:
      name: Create a new claim
      type: http
    http:
      method: POST
      url: https://api.xclaim.xcover.com/partners/{{partnerCode}}/claims
      body:
        type: json
        data: "{\n  \"claimTypeId\": \"\",\n  \"bookingReference\": \"\",\n  \"quoteReference\": \"\",\n  \"language\": \"\
          en\",\n  \"sectionFields\": []\n}"
    docs: Files a new claim against a partner policy.