XCover (Cover Genius) Integration
Real-time embedded insurance API powering the world's largest travel platforms.
What is XCover (Cover Genius)?
XCover is the flagship product of Cover Genius, a Sydney-founded insurtech that has become the world's largest embedded insurance distributor. XCover's API powers real-time insurance distribution for some of the world's largest travel and e-commerce platforms — including Booking.com, Amazon, Ryanair, Turkish Airlines, and FlixBus. Cover Genius underwrites and distributes a range of insurance products globally, including trip cancellation, travel medical, baggage protection, and rental car excess coverage. XCover's API handles quote, purchase, certificate delivery, and claims — all in real time.
How Travix Lab Integrates XCover (Cover Genius)
Travix Lab integrates XCover's Policy Pricing API, Purchase API, and Claims API into our booking engine checkout flow. Insurance options are presented at the relevant stage of the booking funnel — after flight or hotel selection — with localized policy language, compliant disclosures, and instant certificate delivery by email. Our integration supports multiple insurance product types per booking and blends XCover with other insurance providers.
Integration Features
- Real-time multi-product insurance quotes (< 500ms)
- Trip cancellation and interruption coverage
- Travel medical and emergency assistance
- Baggage and personal belongings protection
- Flight delay and missed connection coverage
- Rental car excess insurance
- Annual multi-trip policies
- Instant digital certificate delivery via email
- Claims API for automated claim initiation
- Compliant disclosures in 100+ countries
Benefits of Using This Integration
- ✓Trusted by Booking.com and Ryanair — proven at massive scale
- ✓Global coverage: licensed to distribute insurance in 60+ countries
- ✓High attach rates: 10–20% conversion on embedded insurance offers
- ✓Zero underwriting risk for the platform — Cover Genius takes on the risk
- ✓Revenue share on every policy sold
Use Cases
OTAs embedding trip cancellation insurance at flight checkout
Hotel booking platforms offering property damage and cancellation cover
White-label OTAs adding insurance as a standard ancillary revenue stream
Airlines offering post-booking insurance upsell via email or app
Recommended Solutions
Pair this integration with our purpose-built platforms for maximum impact.
XCover (Cover Genius) Integration — FAQ
What you need to know before connecting this supplier through Travix Lab.
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