Shopify Shipping Protection Apps Compared: Who Pays the Claim?
We reviewed every shipping protection app we could find on the Shopify App Store, 86 apps classified, and sorted them by the one question that matters when a package goes missing: who actually pays the claim.
See the full comparison Talk to InsureShipReviewed by Jazmin A., Compliance Auditor · Updated October 2026 · General information, not legal advice.
Key takeaways
- 35 of 86 apps describe a merchant-funded model: the store keeps the fee and pays or decides claims from its own money.
- None of those 35 names an insurer for its standard program on the pages we checked. Some use words like “insurance”, “premium” or “insured” somewhere in their listing, docs or policies.
- Several apps that say you keep the fee also list a platform fee or a percentage of protection revenue. The “Cost to the store” column shows what each app publishes.
- 28 of the 35 merchant-funded apps described no fraud or abuse controls on the pages we checked. Every false claim the store approves comes out of its margin.
- 11 cart and upsell apps add a protection fee or toggle, and their materials do not say who provides the protection. Before you turn one on, confirm who pays when a protected package is lost.
- 13 apps present their coverage as backed by a named insurer, agency or policy. A few others name an insurer only for an optional program or only in their terms, as noted in the tables. Ask any provider for these details in writing.
- InsureShip is a licensed insurance agency. Coverage is underwritten by Navigators (The Hartford), rated A+ by AM Best (Navigators Insurance Company, as of 2024; fact sheet). Your store does not pay the claims.
What are the five kinds of shipping protection apps?

Every app below fits one of five models, based on the app's own listing, terms, FAQ and help pages.
13
Insurance-backed
The app names a licensed insurer, insurance agency or policy behind the coverage. An insurance company carries the risk.
19
Provider-paid guarantee
The app company says it (or a partner) handles and pays approved claims, and names no insurer for its standard program. Ask the provider who funds claims.
35
Merchant-funded tool
The app is software. Your store sets the fee, keeps it, and pays or decides the claims. Your store carries the risk.
11
Cart app with a protection toggle
A cart or upsell app adds a protection fee at checkout. Its materials do not say it provides or pays for the protection. Ask who does.
8
Not clearly disclosed
We could not confirm who pays claims, or how any insurer they mention applies to the shopper's purchase, from the pages available to us.
What happens when your store is the one paying claims?
A merchant-funded app is pitched as found money: shoppers pay a fee, the store keeps it, and claims are “rare”. The listings say so in their own words, in the table below. In practice, your store takes on the job an insurance company normally does. Many of these apps say so plainly in their own terms.
Every claim is paid from your margin
With no insurer behind the fee, an approved claim means a refund or replacement your store pays for. A bad month of losses, a carrier problem or a holiday theft spike lands on you, not on an insurer.
You become the fraud department
False “not received” claims and repeat claimants are paid unless your team catches them. 28 of the 35 merchant-funded apps described no fraud or abuse controls on the pages we checked, so screening is left to you.
You decide who gets paid
Most merchant-funded apps leave approval to the store. Every denial is your decision, made with your customer, and disputes can still end up as chargebacks.
Check how your checkout describes the fee
Some merchant-funded apps use words like “insurance”, “premium” or “insured” somewhere in their listing, docs or policies. If your checkout describes a store-funded fee as insurance, ask a lawyer whether that wording fits your setup.
Full comparison: 86 Shopify shipping protection apps
Apps are grouped by model and sorted by Shopify review count. Quotes are verbatim from each app's own listing, terms, FAQ or help pages, and every other cell paraphrases those pages, as of October 30, 2026. “Not published” means we did not find it in the app's own materials. Tap a group to expand it.
Updated October 30, 2026: 17 apps added, 1 app removed because it is no longer on the Shopify App Store, and every listing re-checked. New columns show price, limits, claim windows and what each app costs the store.
Insurance-backed (13): an insurer, agency or policy is named
| App | Who pays claims | Who decides claims | Insurer named, or what it says it is | In their own words | Price, limits and claim window | Cost to the store |
|---|---|---|---|---|---|---|
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CWILL Order Tracking 5.0★ · 3,207 reviews Delay payout: CWILL page says $5; Seel terms say $10 limit. Formerly ParcelPanel. |
The Seel-named insurer, via Seel | Insurer (Seel reviews claims) | Seel's Worry-Free Delivery terms name Seel Insurance, Inc. (NAIC 17773), Great American E&S or Tokio Marine Specialty as insurer; producer Seel Insurance Services, Inc. (NPN 19817095) | “You pay nothing, and you earn a 15% commission on every premium.” (source) | 2% of order, min 1.28, set by Seel · Max: $5,000 per package ($2,500 electronics) · Window: 90 days of order date | Merchant keeps 15% commission per premium; requires Essential plan ($11/mo) or above |
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AfterShip Order Tracking 4.6★ · 1,512 reviews Listing is AfterShip Order Tracking. InsureShield is a different brand from InsureShip; no relationship with InsureShip.com found. |
InsureShield, AfterShip's named shipping insurance provider, reimburses the merchant | Insurer | InsureShield, named as its shipping insurance provider; no license or underwriter detail published | “Powered by InsureShield®, AfterShip Protection is a free-to-use software that offers lower-than-industry premiums.” (source) | ~1.5% of protected value; from $1 per $100 · Max: 120% of protected value (covers expedited re-order costs); dollar cap not published · Window: Not published | Protection plan free ($0/mo); Enterprise custom; tracking plans Free, $11/mo, $70/mo |
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Route ‑ Protection & Tracking 4.0★ · 375 reviews Route publishes a licensed producer (Route Insurance Solutions, LLC) and a cargo policy via Seg Insurance Ltd., and says it holds Department of Insurance authorization in all 50 states. |
Seg Insurance Ltd. (Route Policy underwriters) via Route | Underwriters, on Route's advisement | Producer: Route Insurance Solutions, LLC. Marine Open Cargo Policy via Artex Risk Solutions through Seg Insurance Ltd. DOI authorization in all 50 states | “Drive new revenue through consumer-funded package protection and returns, with eligibility for the Merchant Incentive Program on every covered order.” (source) | Shopper-paid; price not published · Max: $5,000 per package ($2,500 laptop/phone/watch) · Window: 5–30 days after delivered; lost 7–30 days | Standard $0/mo, consumer-funded; Custom plan with flat fee or volume options; minimum GMV may apply |
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Seel Worry‑Free Purchase 4.9★ · 298 reviews |
Seel Insurance Services and the named insurer | Seel Insurance, Inc., on Seel's advisement | Producer: Seel Insurance Services, Inc. (NPN 19817095). Insurers: Seel Insurance, Inc.; Great American E&S; Tokio Marine Specialty | “Worry-Free Purchase is a post-purchase solution developed by Seel through its licensed insurance subsidiaries.” (source) | Merchant decides (free, mandatory or optional) · Max: $5,000 per package ($2,500 electronics) · Window: 90 days of order date | Free plan $0/store/mo, no platform fee; Growth $99/store/mo |
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InsureShield & CommerceShield 3.8★ · 46 reviews Shoppers can opt into the merchant's policy at checkout; merchant files claims as policyholder. |
Unnamed authorized insurer via UPS Capital; paid to merchant | Insurer / UPS Capital Insurance Agency, Inc. | Underwritten by an authorized insurer (not named); issued through licensed producers incl. UPS Capital Insurance Agency, Inc. | “InsureShield protection provides full invoice value shipping insurance and checkout protection for covered loss, damage, or theft across all carriers.” (source) | Price: Not published · Max: $10K (UPS/FedEx/DHL); $5K other · Window: 9 months; 90 days concealed damage | $0.80 per $100 (UPS/FedEx/DHL); $0.95 per $100 other; scoring $0.30 per order; free to install |
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ShipTection 4.8★ · 38 reviews ShipTection says it is powered by InsureShip, and InsureShip handles its claims. |
Navigators Group / The Hartford via InsureShip | InsureShip / underwriters | Powered by InsureShip; underwritten by The Navigators Group and The Hartford; also cites licensed insurance partners | “Customers pay a small fee at checkout to protect their order and you keep a portion of it.” (source) | A % of order (no figures) · Max: varies by partner; up to $5,000 (EasyPost section) · Window: 90 days of shipment | Usage billing based on protection revenue; revenue share; free to install |
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Extend Shopper Operations 4.8★ · 21 reviews |
Extend Policy (Overtime Insurance Solutions) via Extend | Extend (on behalf of the retailer) | Cargo policy issued to Extend by Overtime Insurance Solutions Corporation, produced through Extend Insurance Agency, Inc. | “Extend administers shipping protection on behalf of the retailer.” (source) | Price: Not published · Max: limit set by Extend, varies by retailer · Window: damage 30 days after delivery; lost after 5 days (20 intl) | Free (listing); other fees not published |
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Parcel Protect 5.0★ · 3 reviews |
National Transport Insurance via NTI Limited | NTI (Parcel Protect) | National Transport Insurance, a joint venture of CGU Insurance and Vero Insurance; administered by NTI Limited (AFSL 237246) | “Only pay when you ship, for what you ship - not a dollar more.” (source) | Merchant pays; no shopper fee · Max: typically up to $10,000 per item · Window: Not published | Insurance premium per protected shipment, billed monthly; no monthly fee; free to install |
|
Alameen Protect 5.0★ · 2 reviews |
Pakistan General Insurance via Al-Ameen | Al-Ameen | Underwritten by The Pakistan General Insurance Co. Ltd. (PGI) | “Pay a small premium only on the orders you choose to protect.” (source) | Merchant pays per order; no shopper fee · Max: 80% of declared value, max PKR 50,000 · Window: 7 days of the issue | Listing: Standard 2% or Enhanced 2.5% of order value; site: Enhanced 2%; free to install |
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Ship‑Safely: Parcel Protection 5.0★ · 1 reviews |
Nano Insurance Limited (Ship-Safely) | Ship-Safely (Nano Insurance Limited) | Trading name of Nano Insurance Limited, a licensed insurer for Online Marine Transit Insurance; licensed office in Grand Cayman | “Earn up to 10% commission for each policy sold.” (source) | Example: $3.75 on a $250 order · Max: Not published · Window: Not published | Merchant keeps 10% commission per policy; charged premium less commission daily; free to install |
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InsureShip No reviews yet This is InsureShip, which publishes this page. |
Navigators (The Hartford) via InsureShip | InsureShip | Underwritten by Navigators (The Hartford), rated A+ by AM Best; placed by InsureShip, licensed in all 50 states (CA DOI #0G55434) | “Designed to lift checkout conversions and help merchants earn advertising revenue.” (source) | Averages about $1 per order; not fixed · Max: $5,000 per shipment · Window: set out in the policy | InsureShip pays participating merchants advertising revenue. Advertising revenue varies with advertiser quality. |
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U‑PIC Shipping Insurance No reviews yet |
U-PIC (partnered with The Continental Insurance Company) | U-PIC | Describes itself as a licensed insurance company; names a partnership with The Continental Insurance Company | “when a customer opts in, they pay for the coverage, so it stops being a cost you absorb.” (source) | Shopper-paid opt-in; rate per merchant agreement · Max: Not published · Window: 90 days from shipment | Rates per U-PIC agreement (FAQ example $0.45 per $100); merchant may self-insure, offer opt-in or mix |
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Stord Commerce No reviews yet |
Continental Insurance Co. via U-PIC; paid to merchant | Not stated | U-PIC Insurance Services, Inc. (CA DOI License #0E61972) through The Continental Insurance Company | “Boosted revenue through Stord Shipment Protection margin sharing” (source) | Based on cart value; brand-, customer- or opt-in-paid · Max: Not published · Window: Not published | Free (listing); protection page mentions margin sharing |
Provider-paid guarantees (19): the app company or a partner pays, no insurer named
| App | Who pays claims | Who decides claims | Insurer named, or what it says it is | In their own words | Price, limits and claim window | Cost to the store |
|---|---|---|---|---|---|---|
|
Xcotton Post Purchase Guard 5.0★ · 795 reviews Group is our reading: terms say Xcotton compensates with replacement or refund; no insurer, producer or policy named. |
Xcotton | Xcotton | None named; listing says "insurance-backed shipping protection" without naming an insurer | “we will compensate you with either a replacement or a refund, which will not exceed the original purchase value of the items” (source) | Price: Not published · Max: USD 13,000 per claim (product price) · Window: lost: 90 days of shipment; DNR/damage: 7 days of delivered | Free (listing) |
|
Loop Returns & Exchanges 4.6★ · 450 reviews Group is our reading: two models: Seel-managed claims and DIY merchant-run protection. |
Seel (Seel-managed option); the store (DIY) | Seel (Seel-managed); the store (DIY) | None named on Loop's pages; partner Seel's own terms describe Seel Insurance, Inc as a licensed insurer “No. Loop Protection is a coverage experience built into the post-purchase journey, not a standalone insurance product.” (source) |
“With DIY Protection, you collect all fee revenue and manage your own claims process for lost, stolen, or damaged packages.” (source) | Price: Not published · Max: Not published · Window: Not published | Checkout+ plan free for brands with 5k+ annual orders; Returns plan from $340/mo |
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ShipInsure Shipping Protection 4.8★ · 68 reviews ShipInsure (shipinsure.io) is not affiliated with InsureShip. |
ShipInsure | ShipInsure | None named; terms mention insurance-related arrangements with unnamed third-party counterparties “Shipping Protection is not insurance sold to you by ShipInsure.” (source) |
“ShipInsure covers the cost of all returns, refunds, and repurchases for customers who choose our premium package protection” (source) | From $0.98 at checkout · Max: $5,000 per order (declared value) · Window: DNR/damage 14 days; lost within 30 days of last scan | Free for merchant (FAQ); weekly invoice for collected fees; listing cites revenue-sharing options |
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SavedBy Package Protection 5.0★ · 56 reviews Policies page says SavedBy covers item cost, not shipping, taxes or the protection fee. |
SavedBy | SavedBy | “SavedBy is not an insurance company, and is not offering insurance to any merchant” (source) | “the money comes from SavedBy's wallet- not yours.” (source) | Fee by order value (no figures) · Max: Not published · Window: DNR 30 days of delivery; lost 60 days of last update; damage 10 days | Free to install; SavedBy collects a fee from the customer based on order value |
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Guide Protection + Returns 4.8★ · 55 reviews |
Guide | Guide | “the Guide Protection does not constitute insurance.” (source) | “If protection stops covering the cost, that's our problem to solve, not a bill we pass on.” (source) | Guide sets price within merchant floor/ceiling · Max: orders over $500 ($5,000 on Plus) need amendment · Window: 30 to 45 days | Guide takes its share of the shopper fee via usage charge; no platform fee; revenue share for qualifying brands |
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SureBright Warranty & Shipping 4.8★ · 54 reviews Group is our reading: SureBright and unnamed underwriters assume the risk; no insurer or policy named. |
SureBright and its unnamed underwriters | SureBright | Refers to "our underwriters" and "Underwriting Partners"; none named | “SureBright and our underwriters assume all financial risks associated with warranty coverage and claims processing.” (source) | Price: Not published · Max: Not published · Window: Not published | Merchant earns a commission on each policy; billed for warranty cost; free to install |
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Onward Checkout+ 5.0★ · 29 reviews Group is our reading: Onward decides and replaces up to $5,000; no insurer named for the standard program. |
Onward; optional Shipsurance if store opts in | Onward | None named for standard program; stores may opt into third-party coverage "Shipsurance" “IS NOT AND SHALL NOT CONSTITUTE INSURANCE OF ANY KIND WHATSOEVER” (source) |
“Leverage consumer-paid premiums to fully cover shipping issues + return shipping” (source) | Percentage pricing (no figures published) · Max: up to $5,000 declared value · Window: 60 days from purchase | Free to install; shopper-paid fees (listing) |
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Corso 4.9★ · 21 reviews |
Corso (funded from collected protection fees) | Corso | “IS NOT AND SHALL NOT CONSTITUTE INSURANCE OF ANY KIND WHATSOEVER” (source) | “Cover lost, stolen, and damaged packages. Corso pays for approved claims.” (source) | Fixed, dynamic or % options (no figures) · Max: up to $1,000 declared value · Window: 60 days from purchase | Performance-based pricing; $0 fixed fees; protection fees fund claims and return labels |
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CAREBOX Package Protection 5.0★ · 8 reviews Group is our reading: CAREBOX assesses claims, but the listing says refunds come from CAREBOX or sellers. |
CAREBOX or the seller (per listing) | CAREBOX | “Please remind we are not Insurance.” (source) | “customers will receive a refund from CAREBOX or sellers.” (source) | Price: Not published · Max: item value paid; over $10,000 excluded · Window: lost 90 days of order; DNR/damage 48 hrs; FAQ also says 7 days | Free (listing) |
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Protect for Shipments & Causes 4.4★ · 7 reviews |
Protect | Protect | “Protect is not insurance.” (source) | “Protect will cover claims costs even if it exceeds how much we collect.” (source) | From $0.99, by order value and location · Max: packages over $5,000 excluded · Window: delivered 10 days; lost 21 days of last checkpoint | Free to install; merchant collects Protect's fee and Protect bills its portion |
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Get Plus ‑ AI Commerce OS 3.2★ · 4 reviews Pricing page also says "Protection revenue minus claims = net to merchant". |
Get Plus | Get Plus | Says benefits come through "licensed insurance carriers and brokers"; none named | “Protection claims are paid by Get Plus.” (source) | 1–3% of cart, calibrated per merchant · Max: Not published · Window: Not published | Revenue share negotiated case by case; free to install |
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Gooval‑Shipping Secure Service 5.0★ · 2 reviews Group is our reading: terms say Gwofy HK fulfils benefits and is not an insurer; no insurer named. |
Gooval (Gwofy HK Limited) | Gooval | Says “A-Rated Insurers 100% Financial Backing” (listing) and “We partner with leading international insurance companies to back our service commitment” (site); none named “Gwofy HK Limited is not an insurance company or an insurance intermediary.” (source) |
“The service is paid by the buyer; merchants may add their own optional markup on top.” (source) | Price: Not published · Max: USD 2,500 per fulfillment · Window: lost 90 days of shipment; DNR/damage 7 days | Free (listing); buyer pays; merchant may add markup; listing cites “High Revenue-Share Kickbacks” |
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SurePath Protection 5.0★ · 2 reviews |
SurePath | SurePath | None named | “SurePath covers the replacement — your margin stays intact” (source) | 2% to 2.5% of order value · Max: Not published · Window: Not published | Revenue share via Shopify Billing; usage charges per protected order; free to install |
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Swipe Protect Orders & Revenue 5.0★ · 1 reviews Group is our reading: its terms say the merchant is never required to pay money into the program. |
The app provider (per its terms) | Not stated on listing | None named | “Merchant will never be required to pay money into the Program” (source) | Based on order amount (no figures) · Max: Not published · Window: Not published | Free to install; protection charged based on order amount |
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Trustway: Package Protection 5.0★ · 1 reviews |
Trustway | Trustway | None named | “Trustway will refund your product cost upon claim submission.” (source) | Price: Not published · Max: product cost paid (excl. shipping, taxes) · Window: lost 21 days of last checkpoint; DNR/damage 10 days | Free for merchants (FAQ); protection cost deducted per order |
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Recura Shipping Protection 5.0★ · 1 reviews |
Recura (Postpo LLC) | Recura (Postpo LLC) | None named | “Postpo assumes liability for the following” (source) | Price: Not published · Max: Not published · Window: stolen/damaged 14 days of delivery scan | Free (listing) |
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AfterCart Shipping Protection No reviews yet |
AfterCart | AfterCart | “These shipping protection services are not insurance of any kind.” (source) | “AfterCart charges merchant via Shopify API for all fees paid to protect merchant's shipments.” (source) | From 2% of cart, min $0.98 · Max: US$2,000 declared value · Window: damage 5 days; all within 14 days | $0 to merchants; revenue share depending on displayed rate; merchant may pay to protect shipments |
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Solace Shipping Protection No reviews yet Group is our reading: Solace decides and replaces up to $1,000; terms don't expressly say Solace funds claims. |
Solace (our reading) | Solace | “is not and shall not constitute insurance of any kind whatsoever” (source) | “The merchant will pay Solace the money they have collected on behalf of Solace from the protection fees.” (source) | Price: Not published · Max: up to $1,000 declared value · Window: damage 7 business days; lost within 30 days of purchase | Free for merchants; fees remitted to Solace; revenue share; billed on the 1st and 15th |
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Astrixify Premium Care No reviews yet |
Astrixify | Astrixify | None named | “Astrixify will cover the cost of replacement or repair.” (source) | Price: Not published · Max: Not published · Window: 15 days of delivery or estimated delivery | Free to merchants; collects the funds charged to customers for protection |
Merchant-funded tools (35): your store pays and decides claims
| App | Who pays claims | Who decides claims | Insurer named, or what it says it is | In their own words | Price, limits and claim window | Cost to the store |
|---|---|---|---|---|---|---|
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Redo 4.9★ · 836 reviews Exact revenue-share percentages not published. |
The store; optional opt-in Shipsurance coverage | The store | None named for standard feature; optional third-party coverage "Shipsurance" per Redo terms “Redo Tech does not provide any actual package-protection coverage; you are solely responsible for self-insuring or obtaining third-party coverage” (source) |
“Generous revenue share or full revenue options” (source) | Price: Not published · Max: Not published · Window: Not published | Portion of the shopper charge is a fee to Redo; claims listed as "Free"; revenue share or full revenue options |
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Navidium Shipping Protection 4.8★ · 400 reviews |
The store | The store | “We are not a shipping insurance company, and don't underwrite claims.” (source) | “No revenue share — you keep 100% of collected protection fees.” (source) | Merchant sets fee · Max: Not published · Window: Not published | No rev share; free under 50 orders; $4.99 or $9.99 small stores; $29.99–$99.99/mo by volume; Combo $219.99/mo |
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Captain Shipping Protection 4.9★ · 314 reviews |
The store | The store | “We are not an insurance firm and do NOT underwrite plans” (source) | “Shipping protection fees paid by the customer are retained entirely by the merchant” (source) | Merchant sets fixed price or % of item total · Max: Not published · Window: Not published | 3.99% shipping protection fee; Standard $11/mo; Plus $49/mo (Shopify Plus); 14-day free trial |
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Simply Shipping Protection 4.6★ · 130 reviews Listing says Basic/Advance $9.99 and $24.99; developer site says $19.99 and $49.99. |
The store | The store | “Is this insurance? No, and the distinction matters. There is no underwriter and no policy.” (source) | “Let customers protect their orders while you keep the full fee and manage claims your way.” (source) | Merchant sets fixed or % fee · Max: Not published · Window: Not published | Free tier: 10% of protection revenue; Starter $4.99/mo +8%, Basic $9.99/mo +6%, Advance $24.99/mo +2% past plan limits |
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Shipping Protection —Shipcheck 4.9★ · 113 reviews |
The store | The store | “Shipcheck is not an insurance company, insurance broker, or warranty provider, and does not sell or offer insurance or warranty products.” (source) | “Keep 100% of protection revenue” (source) | Merchant sets flat or order-total-based fee · Max: Not published · Window: Not published | Keeps 100% of protection revenue; Starter free (25 orders/mo); Standard $9.95/mo; Plus $39.95/mo |
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Sam Shipping Protection Suite 4.9★ · 109 reviews |
The store | The store | “Sam is not an insurance provider — it's the tooling to run protection in-house.” (source) | “Keep 100% of revenue — no middlemen, no revenue sharing” (source) | Merchant sets fixed, range or % fee · Max: Not published · Window: Not published | No revenue share; Starter free (50 orders/mo); Standard $9/mo or $89.90/yr; Plus $29/mo or $289.90/yr |
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Insureful Shipping Protection 4.7★ · 77 reviews |
The store | The store | “No, we are not an insurance company.” (source) | “Zero revenue sharing, it's all yours” (source) | Merchant sets fixed or % fee, optionally by cart value · Max: Not published · Window: Not published | No revenue share; Free (30 orders/mo); Basic $9.95/mo; Enterprise $29.99/mo |
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Easy Shipping Protection 5.0★ · 74 reviews |
The store | The store | “Easy Shipping Protection is a merchant-side configuration tool, not an insurance provider.” (source) | “100% of the shipping protection revenue goes directly to the merchant’s account” (source) | Merchant sets fixed, % or tiered fee · Max: Not published · Window: Not published | Free plan; Standard $9/mo; Plus $39/mo; 30-day free trial |
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ShipProtect ShippingProtection 4.0★ · 40 reviews |
The store | The store | “It is not an insurer, insurance broker, warranty provider or claims administrator, and does not guarantee, underwrite or pay claims.” (source) | “retain 100% of the collected premiums” (source) | Merchant sets % of order value · Max: Not published · Window: Not published | Unlimited plan $9.99/mo; free trial |
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Supercart: Slide Cart Drawer 5.0★ · 38 reviews |
The store | The store | None named | “Keep 100% of package protection revenue by replacing lost shipments at wholesale cost rather than paying broker fees.” (source) | Merchant sets fixed, dynamic or % fee · Max: Not published · Window: Not published | 0% GMV commission; listing: Growth 1 free (15 orders/mo), Growth 2–4 $9.99–$27.99/mo; site: higher tiers $45.99–$199.99/mo up to 10,000 orders, Enterprise $297.99/mo (10,000+) |
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SHIPAID ‑ Shipping Guarantee 4.8★ · 25 reviews |
The store | The store | “No, SHIPAID is not insurance.” (source) | “the brand from which you ordered the product will replace the product free of charge” (source) | Price: Not published · Max: Not published · Window: Not published | 9% of Shipping Guarantee revenue; free to install; external charges may be billed separately |
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ShipGuard: Shipping Protection 4.4★ · 24 reviews Group is our reading: no express statement of who funds claims; merchants review claims and approve refunds or reships. |
The store (our reading; not stated) | The store (FAQ: merchants approve claims) | None named | “helps merchants secure shipments with own in-house customizable order protection against loss, damage, or theft” (source) | Merchant sets %, fixed or custom fee · Max: Not published · Window: Not published | Per protected order: Free plan $0.49 (cap $499); Standard $9.99/mo + $0.25 (cap $299); Plus $29.99/mo + $0.19 (cap $199) |
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VOL Shipping Protection Upsell 5.0★ · 13 reviews Group is our reading: merchant sets fees and manages claims in a built-in portal; who funds claims not stated. |
The store (our reading; not stated) | The store (implied by its claims tools) | None named | “Create your own package protection program with fixed, dynamic, or percentage-based pricing.” (source) | Merchant sets fixed, cart-value or % fee · Max: Not published · Window: Not published | Free (10 orders/mo); Pro $15/mo; Plus $35/mo; 7-day free trial |
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OrderProtect 5.0★ · 11 reviews |
The store | The store | “(We are not an Insurance Company, and do NOT Underwrite plans.)” (source) | “YOU keep 100% of the revenue generated from offering order protection” (source) | FAQ suggests flat rate under $100, 2% over $100; merchant can set own · Max: Not published · Window: Not published | Basic $29.99/mo (500 orders); Growth $59.99/mo (1,000); Advanced $199.99/mo (2,500); Enterprise $499.99/mo (5,000+) |
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OrderArmor Shipping Protection 3.6★ · 10 reviews |
The store | The store | “(We are not an insurance company and do not underwrite plans.)” (source) | “100% of the fees collected from customers for shipping protection go directly to you, the merchant.” (source) | Merchant sets fixed amount, % of cart, or both · Max: Not published · Window: Not published | Standard $9.99/mo or $89.88/yr; Plus $19.99/mo or $179.99/yr; 5-day free trial |
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Klify ‑ Shipping Protection 4.2★ · 10 reviews Group is our reading: merchant keeps fees and reviews claims; does not expressly say the store funds payouts. |
The store (our reading; not stated) | The store | None named | “Set custom protection policies and fees, and keep collected fees.” (source) | Merchant sets % of cart, fixed fee or tiers · Max: Not published · Window: set by merchant | Free (50 orders/mo); Starter $14.99/mo (500); Pro $24.99/mo (unlimited); 10-day free trial |
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Blockify: Shipping Protection 5.0★ · 7 reviews |
The store | The store | “Blockify is the tooling, not an insurer.” (source) | “Keep 100% of every protection fee and increase your conversion rate” (source) | Merchant sets fixed, % or tiered fee · Max: Not published · Window: Not published | Free (50 orders/mo); Pro $7.95/mo or $79/yr; Plus $24.95/mo or $249/yr (Shopify Plus) |
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Protectify Shipping Protection 5.0★ · 7 reviews Listing shows flat plans; FAQ describes a 1.2% platform fee and a GMV-based fee. |
The store | The store | “Protectify is not an insurance provider. It is the widget and dashboard behind your protection program.” (source) | “You keep 100% of what customers pay for shipping protection.” (source) | Merchant sets flat or % fee · Max: Not published · Window: Not published | Listing: Free (20 orders/mo); Basic $29/mo; Pro $99/mo. FAQ: 1.2% platform fee on protected orders |
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Shipping Protection — Assurify 4.3★ · 6 reviews Group is our reading: full fee goes to the merchant, who resolves claims; no express statement the store funds payouts. |
The store (our reading; not stated) | The store (FAQ: merchant manages and resolves) | None named | “Boost profits by keeping the premium charged at checkout all to yourself.” (source) | Merchant sets fixed amount or % of order value · Max: Not published · Window: Not published | Listing: Free (50 orders/mo); $9/mo; $19/mo; $29/mo (unlimited). Site shows other tiers, e.g. $49, $99, $1,140 lifetime |
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InsureParcel Shipping Protect 3.1★ · 3 reviews |
The store | The store | “(We’re not an insurance company and do not underwrite plans.)” (source) | “You Keep All Fees: Claims are rare; cover when needed and keep the margin” (source) | Merchant sets cart-value tiers or a flat fee · Max: Not published · Window: Not published | No revenue share (keep 100% of fees); Free (10 orders); Grow $7.99/mo; Plus $19/mo |
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Shield Shipping Protection 5.0★ · 2 reviews |
The store | The store | “No - Shield is not an insurance company.” (source) | “Shield charges 15% of shipping protection revenue per month - you keep 85% of all fees collected!” (source) | Merchant sets fixed (e.g. $2) or % (e.g. 3%) of order · Max: Not published · Window: Not published | Shield takes 15% of protection revenue (merchant keeps 85%); free to install |
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BoostFlow Protection & UpSell 5.0★ · 2 reviews Group is our reading: merchant reviews claims and issues gift cards; who bears the cost is not stated. |
Not stated | The store | None named | “Buyers choose what to add, so the protection fee and add-ons can raise average order value.” (source) | Merchant sets price (site demo $2.99) · Max: Not published · Window: Not published | Free (to $500 offer revenue/mo); Growth $6.99/mo; BoostFlow Pro $14.99/mo |
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InsureBooster Order Protection 5.0★ · 1 reviews |
The store | The store | None named | “No third-party insurer, no commission, no revenue share. The fees go straight to your store.” (source) | Merchant sets flat, % of cart or tiered fee · Max: Not published · Window: Not published | Free plan: 10% of protection fees; Basic $9.99/mo; Pro Lite $19.99/mo; Enterprise $29.99/mo; 14-day free trial |
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Shield Insurance 5.0★ · 1 reviews |
The store | The store | “We do not sell insurance polices” (source) | “Shield Prime takes only 10% of the up-sell: you keep 90% as pure profit” (source) | Set from cart total (merchant configured) · Max: Not published · Window: Not published | 10% of revenue per order plus $0.99/mo; 14-day free trial |
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OrderGuard – Protect & Claims 5.0★ · 1 reviews |
The store | The store | None named | “Fees are collected at checkout and managed by the merchant.” (source) | % of order value; merchant sets base and % · Max: Not published · Window: 30 days from expected delivery | Free (100 orders/mo); Starter $9.99/mo (500); Growth $29.99/mo (2,000) |
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Super Shipping Protection No reviews yet Group is our reading: merchant keeps fees and sets its own claims policy; payout funding not stated. |
The store (our reading; not stated) | The store | None named | “Keep all protection fees and add profits when claims are low” (source) | Merchant sets fixed or % plans · Max: Not published · Window: Not published | Free (25 orders); Starter $9.90/mo (200); Creator $19.90/mo (1,000); Pro $29.90/mo (unlimited) |
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Protectly Shipping Protection No reviews yet |
The store | The store (FAQ: "Your team makes every call") | “Protectly is the platform. You set your own policy and fee.” (source) | “Protectly charges a flat monthly fee. You keep 100% of every fee your customers pay.” (source) | Merchant sets flat, % of cart or hybrid fee · Max: set by merchant · Window: merchant sets 7 to 90 days after delivery | Growth from $99/mo (up to 1,000 orders), sliding by volume; no per-claim fees; 14-day free trial |
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ShipPanda Shipping Protection No reviews yet Group is our reading: merchants run their own protection and keep 100% of revenue; who funds or decides claims not stated. |
The store (our reading; not stated) | Not stated | “Note: ShipPanda is not an insurance provider.” (source) | “Keep 100% of fees with no third-party insurance providers” (source) | Fixed (Starter) or cart-value-based (paid plans) · Max: Not published · Window: Not published | No revenue share; Starter free (30 orders/mo); Standard $9.95/mo; Pro $39.95/mo (Shopify Plus); 7-day free trial |
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ShieldCart Shipping Protection No reviews yet Group is our reading: merchant keeps revenue and responds to claims from its dashboard; payout funding not stated. |
The store (our reading; not stated) | The store | None named | “Keep 100% of collected protection fees as direct store revenue” (source) | Merchant sets fixed amount or % of order · Max: Not published · Window: Not published | Basic $10/mo; Advanced $5/mo (as listed) |
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Fenix Shipping Protection No reviews yet |
The store | The store | None named | “Fenix allows you to charge for shipping protection and keep 100% of the revenue.” (source) | Merchant sets % (e.g. 2%) or fixed fee (e.g. $1.98) · Max: Not published · Window: Not published | Free plan; Premium $10/mo; 30-day free trial |
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LateShipment Protect No reviews yet Group is our reading: merchant keeps 100% of fees and approves claims; payout funding not stated. |
The store (our reading; not stated) | The store | “Note: LateShipment.com is not an insurance company and does not underwrite” (source) | “Set your own protection fees and keep 100% of the fees collected.” (source) | Merchant sets fixed, % or cart-value fee · Max: Not published · Window: Not published | Enterprise $0.04 per insured order; Pro $0.05 per insured order; free plan (as listed) |
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PuffDots Shipping Protection No reviews yet Group is our reading: merchant earns the fee and gets buyer details for claims; payout funding not stated. |
The store (our reading; not stated) | The store (our reading) | None named | “Buyers opt in with one tap; you earn on every protected order.” (source) | Price: Not published · Max: Not published · Window: Not published | Monthly plan $9.90/mo; 7-day free trial |
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ShipSure No reviews yet |
The store | The store | None named | “helping customers feel secure while you earn extra revenue on every order” (source) | Merchant sets flat, % or tiered fee; site says most charge $1–$5 · Max: Not published · Window: Not published | Starter: free + 7.99% of protection sales; Premium: $9.99/mo + 3.99%; 7-day free trial |
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ARMORSHIP No reviews yet Group is our reading: merchant sets fees, keeps revenue and approves claims; terms say app gives no reimbursement. |
The store | The store | “ARMORSHIP ® is a software and technology provider.” (source) | “Earn extra revenue on every order with a one-click cart protection widget” (source) | Merchant sets fixed, % or cart-value fee · Max: Not published · Window: Not published | Per-order fee: Free $0.50 (cap $499); Basic $14.99/mo + $0.25; Pro $39.99 + $0.22; Premium $79.99 + $0.19 |
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FlexCover Protection No reviews yet |
The store | The store | None named | “FlexCover is a self-funded protection program.” (source) | Merchant sets fixed, tiered or % fee · Max: Not published · Window: Not published | Free (listing); no commission on protection revenue |
Cart apps with a protection toggle (11): the app adds the fee; it does not say it provides the protection
| App | Who pays claims | Who decides claims | Insurer named, or what it says it is | In their own words | Price, limits and claim window | Cost to the store |
|---|---|---|---|---|---|---|
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Kaching CartDrawer Cart Upsell 5.0★ · 1,575 reviews Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Upsell gift wrap or shipping protection with simple toggle.” (source) | Merchant sets fee · Max: Not published · Window: Not published | $9.99/mo (99 orders), $14.99 (199), $24.99 (499); development stores free |
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Upcart—Cart Drawer Cart Upsell 4.8★ · 954 reviews Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Make it easy to add shipping protection, gift wrapping, complementary products, and other high-value extras without leaving the cart.” (source) | Merchant sets fee · Max: Not published · Window: Not published | Free for development stores; $29.99/mo (0–200 orders), $34.99/mo (201–500), $54.99/mo (501–1,000) |
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AOV.ai Cart Drawer Cart Upsell 5.0★ · 864 reviews Help doc says the app provides the storefront UI and a placeholder product, and does not itself provide coverage. |
Not stated | Not stated | “AOV.ai Cart Drawer provides the storefront UI and a placeholder product for shipping protection. It does not itself provide coverage.” (source) | “Actual insurance coverage requires a third-party shipping protection provider.” (source) | Merchant sets fee · Max: Not published · Window: Not published | Free up to 30 orders/mo; Basic $15.99/mo; Professional $25.99/mo; Advanced $35.99/mo; protection on paid plans |
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Amp Slide Cart Drawer Upsell 5.0★ · 782 reviews Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Shipping protection upsell with tiers” (source) | Merchant sets fee · Max: Not published · Window: Not published | Growth $29.99/mo and Pro $49.99/mo include protection upsell; free plan without it |
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Rapid Cart Drawer Cart Upsell 5.0★ · 83 reviews Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Order add-ons like shipping protection, plus a countdown timer for urgency” (source) | Merchant sets fee · Max: Not published · Window: Not published | Free up to 25 orders/mo; Starter $9/mo; Pro $15/mo; Elite $29/mo |
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Kraft: Cart Add‑ons & Fees 5.0★ · 5 reviews Group is our reading: add-on app adding a cart line item; no claims handling, coverage terms or funder described. |
Not stated | Not stated | None named | “Protection fees cover refund costs when packages go missing” (source) | Merchant sets flat fee or % with floor and cap · Max: Not published · Window: Not published | Pro $8.99/mo |
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VTN Cart Drawer Pro 5.0★ · 1 reviews Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Add optional shipping protection fees in the cart for customer peace of mind” (source) | Merchant sets fee · Max: Not published · Window: Not published | Free (listing) |
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InsureShip Automated No reviews yet Not affiliated with InsureShip.com. Group is our reading: adds a fee to the cart from a merchant-set %; describes no coverage, insurer or claims handling. |
Not stated | Not stated | None named | “applying a shipping insurance fee according to a predefined percentage set in created product's metafield” (source) | Merchant sets % of cart subtotal · Max: Not published · Window: Not published | $5/mo plan; 3-day free trial; free for development stores |
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AddiFee No reviews yet Group is our reading: adds custom protection fees to the cart; describes no provider, claims handling or funding. |
Not stated | Not stated | None named | “AddiFee helps Shopify merchants offer optional shipping insurance and custom protection fees directly in the cart.” (source) | Merchant sets fees by cart value, products or destination · Max: Not published · Window: Not published | Basic $5/mo; 14-day free trial |
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Cart Drawer Cart Upsell No reviews yet Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Lift AOV with slide cart, upsell cart, and Shipping protection” (source) | Merchant sets fee · Max: Not published · Window: Not published | Free (listing) |
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RevUp Checkout Blocks No reviews yet Group is our reading: cart/upsell app adding a protection add-on; no coverage terms, claims handling or funder described. |
Not stated | Not stated | None named | “Shipping Protection – Offer order protection & add-on services” (source) | Merchant sets fee · Max: Not published · Window: Not published | Checkout Plus $49/mo or $490/yr (Shopify Plus); free for development stores |
Not clearly disclosed (8): we could not confirm who pays claims
| App | Who pays claims | Who decides claims | Insurer named, or what it says it is | In their own words | Price, limits and claim window | Cost to the store |
|---|---|---|---|---|---|---|
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EcoCart Green Protection 4.8★ · 98 reviews Group is our reading: partners with ShipInsure for claims; pages do not say who pays or name an insurer. |
Not stated | Not stated (claims via ShipInsure) | None named | “we partner with ShipInsure to offer the ability for merchants to customize the claim reasons shoppers can file with” (source) | Price: Not published · Max: Not published · Window: Not published | Free (listing); external charges may be billed by EcoCart |
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Frate Returns and Protection 5.0★ · 7 reviews Group is our reading: Frate says partner ShipInsure covers lost, stolen or damaged packages and calls it “real insurance”, but names no insurer. |
ShipInsure, per Frate (“ShipInsure has you covered”); no insurer named | Not stated (ShipInsure handles claims) | None named | “By leveraging our customer-funded model, you get full access to our software—return labels included—at no cost to your business.” (source) | Price: Not published · Max: Not published · Window: Not published | "2-3% of AOV", funded by package protection; free to install |
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LABL Guarantee 1.7★ · 2 reviews Group is our reading: insurance certificate in terms applies to LABL shipping; not confirmed for the checkout Guarantee. |
Not stated | Not stated | LABL shipping terms name LABL PROTECT Insurance Services (agent) and Underwriters at Vouch; not confirmed for the checkout Guarantee | “Increase AOV, retention, and turn shipping loss into profit with best-in-class order protection.” (source) | Price: Not published · Max: Not published · Window: Not published | Free (listing) |
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Norton Shopping Guarantee 5.0★ · 1 reviews Norton's terms say EasyPost pays covered package losses; no insurer is named for package protection. We list it as not clearly disclosed: its terms use insurance wording but name no insurer for package protection. |
EasyPost (per Norton terms) | EasyPost | None named | “The guarantee is completely free to you, the merchant.” (source) | Price: Not published · Max: $5,000 per shipment · Window: 30 days of purchase; loss within 60 days of label | Free to the merchant; listing mentions revenue sharing |
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UD Shipping Protection No reviews yet Group is our reading: listing mentions an unnamed insurance company; does not say who pays claims. |
Not stated | Not stated | None named | “through professional insurance support and streamlined claims” (source) | Price: Not published · Max: Not published · Window: Not published | Free (listing); merchant buys a policy from an unnamed insurance company |
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Total Package Protection No reviews yet Group is our reading: lists coverage and claims handling; no insurer or claims payer described. |
Not stated | Not stated | None named | “Total Package Protection integrates shipping protection seamlessly at checkout, offering customers peace of mind.” (source) | Price: Not published · Max: Not published · Window: Not published | Free (listing) |
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OrderShippingProtect No reviews yet Group is our reading: cart toggle adds "insurance" as a product; no insurer named; claims payer not stated. |
Not stated | Not stated | None named | “The insurance is added as a product in the cart and protects orders from loss or damage during shipping” (source) | Price: Not published · Max: Not published · Window: Not published | Base plan $5/mo or $58/yr; 14-day free trial |
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Shieldkart No reviews yet Group is our reading: who funds resolutions depends on an unpublished merchant agreement. |
Not stated (Shieldkart or merchant per agreement) | Shieldkart reviews; merchant resolves | “Shieldkart is not an insurance company, and our service is not insurance” (source) | “Shieldkart will either reimburse the merchant or handle payment per our arrangement” (source) | Small % (e.g. ~3%) or flat fee · Max: order value (price plus shipping) · Window: Not published | Revenue share per merchant agreement; funded by shopper fees; free to install |
Review counts are from each Shopify App Store listing in October 2026. Two further apps offer InsureShip coverage under their own brand as white-label partners, so they are not listed separately. If you represent an app on this page and something has changed, contact us and we will review it.

How do you check the app on your store right now?
Ask your provider these questions in writing. An insurance-backed program should be able to answer every one.
- Which insurance company pays the claim? Get the insurer's legal name, not a brand name.
- Who is the licensed agency or producer? Ask for its license number and check it with your state's department of insurance or the NAIC Consumer Insurance Search.
- Can I see the policy or certificate? It should say who is insured and what is covered.
- Who decides a claim? If the answer is “you do”, your store is the claims department.
- Whose money pays an approved claim? If the answer is “the fees you collected”, your store is carrying the risk.
- Who handles fraud? Ask what happens with repeat claimants and false “not received” claims, and who absorbs the loss.
What insurance regulators tell shoppers
State regulators have issued general consumer alerts about package protection sold as insurance by unlicensed sellers. The alerts name no company and do not refer to any app on this page. Many of the merchant-funded apps listed here state in their own terms that they are not insurers and do not sell insurance.
“Legitimate shipping insurance providers will be licensed companies or producers.”— Oklahoma Insurance Department consumer alert, Nov. 28, 2023 (source)
“Legitimate shipping coverage providers will be licensed as insurance companies or insurance agents with the Utah Insurance Department.”— Utah Insurance Department consumer alert, Mar. 20, 2024 (source)
“carefully review the shipping protection options and who is offering them”— Connecticut Insurance Department consumer alert, Dec. 9, 2024 (source)
How is InsureShip different?
Insurance-backed coverage
Underwritten by Navigators, a Hartford company, rated A+ by AM Best (Navigators Insurance Company, as of 2024; fact sheet).
Licensed
InsureShip is licensed by the California Department of Insurance (license #0G55434) and licensed nationwide. Established in 2009.
Claims off your desk
Shoppers file claims with InsureShip at our claims page. Your store is not the one deciding or paying them. Coverage is available up to $5,000 per shipment, subject to terms.
Your store’s traffic has value beyond product sales. InsureShip pays qualifying merchants for advertising space that connects shoppers with shipping insurance. Interested in seeing what a partnership could look like for your store? Advertising rates depend on your store’s audience, placement and eligibility. Final rates are subject to review and agreement.

How do you switch from a merchant-funded app?
- Save your current terms. Note your fee, your claims policy and any open claims.
- Talk to InsureShip. We enable the integration for your store (Shopify, WooCommerce, Checkout Champ and more).
- Turn off the old widget so shoppers never see two protection offers.
- Finish open claims under your old terms, then route new claims to InsureShip.
Frequently Asked Questions
Is shipping protection the same as shipping insurance?
Not always. Some apps place a policy with a licensed insurer, some say the app company pays claims itself, and some are software that lets your store collect a fee and pay claims from its own money. Whether a product counts as insurance is decided by state law and regulators, based on what it does, not what it is called.
What does a merchant-funded shipping protection app do?
It adds a protection fee at checkout and gives your store tools to collect that fee and handle claims. The app's own listing or terms describe a model where the store keeps the fees and pays or decides the claims. For the standard program, none of these apps names an insurer behind the promise to your shopper.
How many Shopify shipping protection apps name an insurer?
Of the 86 apps we classified in October 2026, 13 present their coverage as backed by a named insurer, insurance agency or policy. 35 describe a model where the merchant keeps the fee and pays or decides claims.
Who pays for fraudulent claims with a merchant-funded app?
Your store does. When the store is the one paying claims, every false 'not received' claim or repeat claimant is paid from your margin unless you catch it. 28 of the 35 merchant-funded apps we reviewed described no fraud or abuse controls on the pages we checked.
How do I check whether my current app is backed by insurance?
Ask the provider for the name of the insurance company, the policy or certificate, and the license number of the agency that sells it, then check that license with your state's department of insurance or the NAIC Consumer Insurance Search. If no insurer is named, ask in writing who pays a claim if your store does not.
Who backs InsureShip coverage?
InsureShip is a licensed insurance agency (California DOI license #0G55434), licensed nationwide and established in 2009. Coverage is underwritten by Navigators, a Hartford company, rated A+ by AM Best (Navigators Insurance Company, as of 2024). Claims are filed with InsureShip, not with your support team.
Take claims off your store's books
Give shoppers shipping insurance backed by Navigators (The Hartford), rated A+ by AM Best, and let InsureShip handle the claims.
Talk to InsureShipSources and method
Last checked October 30, 2026. We searched the Shopify App Store for shipping protection, shipping insurance, package protection, order protection, delivery guarantee, shipping guarantee, porch piracy and lost package protection apps, reading up to 15 pages of results per search, then reviewed each app's listing and, where available, the developer's terms, FAQ and help pages. Every quote above was checked word for word against the page it links to. InsureShip is one of the 13 insurance-backed apps listed, and ShipTection uses InsureShip's program. Classification reflects what each company publishes about itself; it is not a finding about whether any company complies with the law. General information, not legal advice. Regulator alerts: Oklahoma Insurance Department · Utah Insurance Department · Connecticut Insurance Department · Carrier rating: Navigators fact sheet (The Hartford).