Is Redo Package Protection Insurance? What Its Terms Say (2026)

Written by GARY MCNELLEY

Quick answer: It depends on which version a store uses. Redo's merchant Terms and Conditions (last updated August 15, 2025) say "Redo Tech does not provide any actual package-protection coverage" and that the merchant is "solely responsible for self-insuring or obtaining third-party coverage." Stores can opt into a separate Shipsurance program, which is real insurance issued by Voyager Indemnity Insurance Company, a non-admitted insurer, with Redo Tech Inc. as the policyholder.

Key takeaways

By default, Redo provides software that lets merchants charge for package protection; Redo itself provides no coverage.
Under the default setup, the merchant self-insures and must make sure claims are "handled appropriately."
Only part of the shopper's fee goes to Redo; the rest is for the merchant's use "in funding or providing the package-protection coverage."
Merchants can opt into the Redo Insurance Program managed by Shipsurance and underwritten by Voyager Indemnity Insurance Company.
Under the Shipsurance program, Redo Tech Inc. is the policyholder, coverage is up to $5,000 per package, and claims are filed with Shipsurance within 120 days of shipment.
Shoppers usually cannot tell from the checkout widget which version applies, so ask the store.

What does Redo say about its product?

Redo markets free returns and package protection to ecommerce brands. Section 3.2 of its merchant terms explains that the default feature only lets merchants charge customers for coverage and track eligible packages, and that "Redo Tech does not provide any actual package-protection coverage." Redo also offers an opt-in third-party option described as "the third-party insurance coverage 'Shipsurance.'"

What this means for you as a shopper

If a store uses Redo's default package protection, the store, not an insurer, stands behind your claim. If the store has opted into the Shipsurance program, an insurance policy exists, but it is issued to Redo Tech Inc. as policyholder and is subject to Shipsurance's coverage terms and exclusions.

Who is insured and who pays claims?

Default Redo package protection: no insurer is named; the merchant self-insures and handles claims.
Redo Insurance Program (Shipsurance): Voyager Indemnity Insurance Company, a non-admitted insurer, provides coverage; Shipsurance Insurance Services, Inc. manages the program; the policyholder is Redo Tech Inc.

Shipsurance program limits and deadlines

Up to $5,000 per package on listed carriers such as USPS, UPS, FedEx and DHL; $100,000 maximum per conveyance.
Claims must be submitted within 120 calendar days of the ship date; USPS loss claims require a 20-day (domestic) or 40-day (international) wait.
Return shipments are not covered, and losses discovered more than 15 days after delivery are not covered.
Exclusions include categories such as cash, gift cards, laptops, mobile phones, CBD products and live animals.

Is Redo package protection regulated as insurance?

The Shipsurance option is an insurance program. Redo's default feature is not described as insurance, and whether a merchant-funded protection fee is treated as insurance is decided by state law and regulators. Regulators in Oklahoma (2023), Utah (2024), Connecticut (2024) and the NAIC (2024) have warned that only licensed companies or producers may sell insurance. This article does not make a legal determination about Redo.

How is InsureShip different?

One clear model: every InsureShip policy is licensed insurance; there is no self-insured default.
Licensed: InsureShip is licensed by the California DOI (#0G55434) and licensed nationwide; availability may vary by state.
A+ insurer: coverage is underwritten by Navigators (The Hartford), rated A+ by AM Best.
Coverage: loss, damage and theft in transit, including porch piracy, up to $5,000 per shipment.
Fast claims: InsureShip states approved claims are typically paid within 5 to 7 business days.

Frequently Asked Questions

Is Redo package protection insurance?
Not by default. Redo's terms say it provides no actual coverage and the merchant self-insures, unless the store opts into the Shipsurance program.

Who insures the Redo Shipsurance program?
Voyager Indemnity Insurance Company, a non-admitted insurer, with Shipsurance managing the program and Redo Tech Inc. as policyholder.

How much does the Shipsurance program cover?
Up to $5,000 per package on listed carriers, subject to exclusions.

How long do I have to file?
Under the Shipsurance program, within 120 days of the ship date.

How do I know which version a store uses?
Ask the store or check its protection policy page; the checkout widget alone may not say.

Related resources

Want licensed shipping insurance at your checkout?

InsureShip is free to install, has no monthly fees, and protects every insured order with an A+ rated insurer. Install InsureShip on Shopify or talk to our team.

Sources

Last checked October 2026: Redo Terms and Conditions (updated August 15, 2025) · Shipsurance coverage terms for the Redo Insurance Program · Regulator warnings on package protection. This article describes what Redo's and Shipsurance's published terms say and is general information, not legal advice. InsureShip is a licensed provider that competes with Redo. If you represent Redo and believe something here is outdated, please contact us.

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