Is Xcover Insurance Legit: Overview, Contacts, Services, Claims, Policy, Cancellation, Pros & Cons

Is Xcover Insurance Legit: Diving into the assurance of trust.

An image illustration of Xcover Insurance
Xcover Insurance: The best you can trust.

If you’re seeking a versatile and personalized insurance solution globally, XCover may have caught your attention.

This company provides a global distribution platform for insurance products.

In this blog post, we will delve into the legitimacy, functioning, and the pros and cons of XCover to help you make an informed decision.

Company Overview

Founded in 2014 by Angus McDonald and Chris Bayley, XCover operates under the Cover Genius group, alongside BrightWrite and RentalCover.

The company aims to meet evolving customer needs, particularly in the digital and e-commerce sectors, with a vision of making insurance accessible worldwide.

Basic Information

Services & Products

XCover offers a RESTful API enabling tailored insurance offerings globally.

Users can select coverage type, duration, area, and limit, paying only for what they use.

Real-time pricing and availability based on location and data inputs are accessible.

XCover includes bodily injury, property damage, legal expenses, breakdown assistance, cancellation, etc.

The offered insurance products include:

  1. Travel Insurance: For various travel scenarios, whether personal or someone else’s trip.
  2. Car Insurance: Flexible coverage for different time frames, applicable to personal or borrowed vehicles.
  3. Home Insurance: Protection for homeowners or renters, covering various scenarios like fire, flood, burglary.
  4. Pet Insurance: Tailored for pet owners, covering illness, injury, death, etc., for personal or others’ pets.
  5. Gadget Insurance: Covers gadgets for damage, loss, theft, etc., whether personal or borrowed.
  6. Health Insurance: Comprehensive health coverage for individuals, suitable for various purposes.

Pros and Cons

XCover’s Advantages:

  1. Speed: Instant insurance approval, eliminating lengthy processes.
  2. Cost: Affordable options starting from $0.01 per hour, without deductibles or hidden fees.
  3. Ease of Use: User-friendly app or website for easy policy management, cancellation, or extension.
  4. Flexibility: Customizable coverage options, ability to insure multiple products and underwriters.

XCover’s Limitations:

  1. Scope: Limited to the chosen protection type, requiring additional insurance for additional needs.
  2. Availability: Not universally accessible; coverage limitations may apply based on location or situation.
  3. Exclusions: Does not cover intentional or illegal acts; users must adhere to terms and conditions.

Claims Process

If something bad happens to your product, you should tell XCover right away.

You can do this on the app, by calling the help number, or by emailing the help team.

You should also take pictures and videos, get the names and numbers of people who saw it, and listen to the police or other people in charge.

XCover will give you a person who will help you fix the problem.

Policy Overview

The policy tells you what the insurance covers and what it does not.

It is a deal between you and the insurance company, and it says what you both have to do.

Read the policy well and keep a copy for yourself.

You can see the policy on the app or website, or ask for a copy by email or mail.

If you have any questions or problems about the policy, talk to XCover’s help team or a lawyer.

  • Policy Details:

Various protection types (travel, car, home, pet, gadget, health, etc.), customizable coverage duration, global coverage, multiple products and underwriters under one policy

Obtaining XCover Insurance

Acquiring XCover insurance is a straightforward process:

  1. Download the XCover app from the App Store or Google Play.
  2. Create an account, either manually or through existing Facebook or Google credentials.
  3. Input product details, including type, model, and serial number.
  4. Customize coverage options based on type, duration, area, and limit.
  5. Confirm payment through debit/credit card or PayPal.
  6. Commence product use with the assurance of coverage, with the flexibility to adjust or cancel via the app.

Cancellation Procedure

Cancellation of XCover insurance entails the following steps:

  1. Access the XCover app and navigate to your existing policy.
  2. Initiate cancellation by tapping the designated button and confirming your decision.
  3. Upon confirmation, receive a message and a refund for the unused coverage period.

Contacting XCover

XCover can be reached through various channels:

  • Phone: Call XCover’s customer service at +61 (0) 2 8280 3000 or request a callback through the app/website.
  • Email: Reach out to XCover’s support team at or use the messaging feature on the app/website.
  • Social Media: Engage with XCover on Facebook, Twitter, Instagram, and LinkedIn, and leave comments or reviews.
  • Website: Visit XCover’s website at, where you can chat with a representative or complete a contact form.


Q: Is XCover insurance valid globally for any protection type?

A: Yes, XCover insurance is valid globally for various protection types (travel, car, home, pet, gadget, health, etc.), provided compliance with relevant regulations and laws.

It is applicable for diverse purposes like buying, renting, borrowing, or sharing.


Spread the love