WooCommerce Shipping Protection Plugins Compared: Who Pays the Claim?
We reviewed the shipping protection plugins we could find in the WooCommerce Marketplace and the WordPress.org plugin directory, plus integrations providers list on their own sites, and sorted 17 of them by the 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 · General information, not legal advice.
Key takeaways
- 5 of 17 plugins describe a merchant-funded model: the store keeps the fee and pays or decides claims from its own money.
- None of those 5 names an insurer on the pages we checked.
- 1 of the 5 says it does not process claims at all; it only adds the fee.
- 5 plugins present their coverage as backed by a named insurer, agency or policy. Ask any provider for these details in writing.
- InsureShip is a licensed insurance agency that works with WooCommerce. 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 WooCommerce protection plugins?
Every plugin below fits one of five models, based on its own listing, readme, terms and help pages.
5
Insurance-backed
The provider names a licensed insurer, insurance agency or policy behind the coverage. An insurance company carries the risk.
2
Provider-paid protection
The provider says it handles and pays approved claims, and names no insurer. Ask the provider who funds claims.
5
Merchant-funded plugin
The plugin adds a fee. Your store keeps it and pays or decides the claims. Your store carries the risk.
1
Fee plugin
The plugin adds an insurance or protection fee at checkout, and says it does not underwrite or handle claims. Ask who does.
4
Not clearly disclosed
We could not confirm who pays claims, or no insurer is named for the shopper's purchase, on the pages available to us.
What happens when your store is the one paying claims?
A merchant-funded plugin adds a fee your store keeps, and claims are paid from that money. In practice, your store takes on the job an insurance company normally does. Several of these plugins say so plainly in their own materials.
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 or a holiday theft spike lands on you.
You become the fraud department
False “not received” claims and repeat claimants are paid unless your team catches them. Some of these plugins include tools such as evidence uploads or risk scoring, but the decision and the cost stay with your store.
You decide who gets paid
Merchant-funded plugins 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
Whatever plugin you use, have a lawyer review how your checkout describes the fee. Whether a product counts as insurance is decided by state regulators.
Full comparison: 17 WooCommerce shipping protection plugins
Plugins are grouped by model and sorted by active installs. Quotes are verbatim from each plugin'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 plugin's own materials. Tap a group to expand it.
Updated October 30, 2026: every plugin re-checked. AfterShip Protection added; Product Insurance removed because it covers individual products rather than shipping. New columns show price, limits, claim windows and what each plugin costs the store.
Insurance-backed (5): 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 |
|---|---|---|---|---|---|---|
|
Route ‑ Shipping Protection 500+ active installs · updated 2026-10-26 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 | “Protection is free for merchants and costs customers up to 2% of their cart total (with a minimum of $.98) when they opt in.” (source) | Up to 2% of cart, min $0.98 (FAQ: ~1%) · Max: $5,000 per package ($2,500 if it contains a laptop, tablet, phone or watch) · Window: delivered, 5–30 days after delivery; lost, 7 days (20 intl) to 30 days after last checkpoint | Free for merchants (listing) |
|
Ship-Safely – Shipping Protection for WooCommerce 10+ active installs · updated 2026-08-24 |
Nano Insurance Limited (Ship-Safely) | Ship-Safely (handles the claims process) | Trading name of Nano Insurance Limited, a licensed insurer authorised to provide Online Marine Transit Insurance | “Earn up to 10% commission for each policy sold.” (source) | Set by Ship-Safely; e.g. $3.75 on a $250 order · Max: Not published · Window: Not published | Merchant keeps an agreed commission (up to 10%); charged premium less commission daily; free to install |
|
Seel Worry-Free Purchase 10+ active installs · updated 2026-10-27 |
Seel Insurance, Inc. or other named insurer, via Seel | Seel Insurance, Inc., on Seel's advisement | Producer: Seel Insurance Services, Inc. (NPN 19817095), licensed in all fifty states. 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) | Price: Not published · Max: delay $10 per package; no general cap found · Window: up to 90 days from order date (shorter for some claim types) | Not published |
|
Extend Protection For WooCommerce 10+ active installs · updated 2026-10-07 |
Extend Policy (Overtime Insurance Solutions) via Extend | Extend | Cargo policy issued to Extend by Overtime Insurance Solutions Corporation, produced through Extend Insurance Agency, Inc. | “No cost. Total profit. Win-win.” (source) | Price: Not published · Max: limit set by Extend, varies by retailer · Window: damage 30 days after delivery; lost after 5 days (20 intl) | No cost to merchants; Extend and EIA may earn commissions |
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AfterShip Protection for WooCommerce Not in the WordPress.org directory InsureShield is a UPS Capital brand, unrelated to InsureShip.com. |
InsureShield via AfterShip | Insurer (InsureShield) | InsureShield; help center links to UPS Capital terms; no underwriting company named on AfterShip pages | “Powered by InsureShield®, AfterShip Protection is a free-to-use software that offers lower-than-industry premiums.” (source) | $1.5 per $100 (help); from $1 per $100 (pricing) · Max: $10,000 per order · Window: 90 days from delivery | Free plan $0/mo; 3% transaction fee on positive invoice balance; Enterprise custom |
Provider-paid guarantees (2): 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 |
|---|---|---|---|---|---|---|
|
ShipInsure for WooCommerce 20+ active installs · updated 2026-04-21 ShipInsure (shipinsure.io) is not affiliated with InsureShip. |
ShipInsure | ShipInsure (with merchant input) | None named; terms say any insurance arrangements are between ShipInsure and its third-party counterparties “Shipping Protection is not insurance sold to you by ShipInsure.” (source) |
“ShipInsure pays for reorders, and allows for merchant set rev share, so you can run your business with the margin you need.” (source) | Price: Not published · Max: $5,000 per order (declared value) · Window: DNR/damage 14 days; lost within 30 days of last scan | Revenue share; merchant chooses pricing; "at no cost to you" |
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Doozy Order Protection Fewer than 10 active installs · updated 2026-03-25 Site says merchants never pay for claims; terms say invoices reflect claim-related costs. |
Doozy (per site); terms cite claim-related costs | Doozy | “Doozy is not an insurance company, and the Service does not constitute an insurance policy, warranty, or guarantee.” (source) | “Customers fund their own protection. You never pay for claims, refunds, or replacement shipping again.” (source) | Set by Doozy API from subtotal and tier · Max: Not published · Window: 30 days of order date | Merchant earns a revenue share of fees; free, no monthly fees; invoices include claim-related costs |
Merchant-funded tools (5): 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 |
|---|---|---|---|---|---|---|
|
Shipping Guard – Advanced Shipping Suite, Weight Based Shipping, Zero Emission & Protection Fewer than 10 active installs · updated 2026-09-21 |
The store | The store | None named | “ShippingGuard deposits 100% of customer protection fees straight into your store’s bank account.” (source) | Merchant sets fixed, % or tiered fee (e.g. $2.99; 2.5%) · Max: Not published · Window: Not published | Free plugin; optional Pro add-on $59–$299/year |
|
Shipping Insurance & Package Protection for WooCommerce Fewer than 10 active installs · updated 2026-09-27 |
The store (plugin does not process claims) | The store | “It does not purchase an insurance policy, connect to an insurance provider, or process claims.” (source) | “The plugin adds your configured fee to WooCommerce totals when protection is selected and the order qualifies.” (source) | Merchant sets fixed fee or % (e.g. 2% of 150 = 3.00) · Max: merchant-set per coverage level · Window: Not published | Free plugin (WordPress.org); no paid tier found |
|
CoverMyOrder Fewer than 10 active installs · updated 2026-07-15 |
The store | The store | “It is not a regulated insurance product.” (source) | “Keep 100% of protection fees” (source) | Merchant sets flat fee; Premium adds % pricing · Max: merchant-set cap · Window: Not published | No platform fees or revenue share; free core plugin; Premium $79.99–$479.99/year |
|
Navidium Shipping Protection Fewer than 10 active installs · updated 2026-09-16 |
The store | The store (or rules it sets in Navidium) | “This is a self-insurance model, not third-party insurance.” (source) | “The protection fee your shoppers pay is collected by your store and is yours; Navidium charges you a monthly subscription for the service.” (source) | Merchant sets % or flat fee with a minimum · Max: Not published · Window: Not published | No revenue share; Essential $29.99/mo (500 orders); Growth $49.99/mo (1,000); Enterprise $99.99 (unlimited) |
|
Centous Shipping Protection Fewer than 10 active installs · updated 2026-06-29 |
The store | The store | None named | “Centous Shipping Protection is a self-hosted solution that gives store owners full control over their own shipping protection revenue and claims handling.” (source) | Merchant sets fixed or % (e.g. $5; 2%); Pro adds tiers · Max: Not published · Window: Not published | Free plugin; Pro Business plan $99/year (1 site) |
Cart apps with a protection toggle (1): 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 |
|---|---|---|---|---|---|---|
|
Shipping Insurance Manager 100+ (WooCommerce.com) active installs Group is our reading: plugin charges for the option but does not underwrite policies or file claims. |
Not stated (merchant and its insurer, outside plugin) | Not stated (outside the plugin) | “It does not underwrite policies or file claims, which stay with you and your insurance provider.” (source) | “The plugin records and charges for the insurance option.” (source) | Merchant sets flat fee or % of cart, optional minimum · Max: Not published · Window: Not published | $29 for 1-year plan; $46.40 for 2-year plan; 30-day money-back guarantee |
Not clearly disclosed (4): 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 |
|---|---|---|---|---|---|---|
|
Shipping Insurance for WooCommerce 100+ active installs · updated 2024-07-26 Group is our reading: listing does not say who pays or decides claims or whether an insurer is involved. |
Not stated | Not stated | None named | “Offer shipping insurance as an optional add-on during checkout, giving customers the choice to secure their purchases and increase their confidence in your store” (source) | Pro: merchant sets fixed or % with min/max · Max: Not published · Window: Not published | Not published |
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Norton Shopping Guarantee with Package Protection 90+ (WordPress.org); 300+ (WooCommerce.com) active installs · updated 2026-04-27 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 | “Customers cover the low cost of their shipping insurance, so you don’t pay a thing.” (source) | Price: Not published · Max: $5,000 per shipment · Window: 30 days of purchase; loss within 60 days of label | Free extension ("at no cost to you") |
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Floship Parcel Shipping Insurance Fewer than 10 active installs · updated 2023-04-04 Group is our reading: calls it insurance ("Flosurance") but names no insurer or underwriter. |
Not stated (Floship claims team issues payment) | Floship | None named | “Claims that are successful will be compensated within 45 – 60 days or less.” (source) | Floship API rate by country (no figures) · Max: USD $10,000 per invoice · Window: Not published | Not published |
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OrderProtection.com WooCommerce integration Not in the WordPress.org directory Group is our reading: says it reimburses the merchant on approved claims and names no insurer, but its help docs describe merchant payouts as the greater of a revenue share or claim reimbursements, so who ultimately bears claim costs is not clear. |
Order Protection (reimburses merchant) | Order Protection | None named | “We’ll reship or refund the customer and reimburse you on approved claims for:” (source) | Price: Not published · Max: lesser of $5,000 or order amount · Window: 45 days from discovery | Not published |
Active installs are WordPress.org's published figures in October 2026 (“Under 10” where it reports fewer than 10); WooCommerce.com does not publish install counts for paid extensions. If you represent a plugin on this page and something has changed, contact us and we will review it.
How do you check the plugin 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.
- 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.
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 plugin on this page.
“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.
InsureShip is integrated with WooCommerce (integration built with our affiliated fulfillment company, RapidFulfillment). See InsureShip for WooCommerce. 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 plugin?
- Save your current settings. Note your fee, your claims policy and any open claims.
- Talk to InsureShip. We enable the WooCommerce integration for your store.
- Deactivate the old plugin so shoppers never see two protection offers.
- Finish open claims under your old policy, then route new claims to InsureShip.
Frequently Asked Questions
Is WooCommerce shipping protection the same as shipping insurance?
Not always. Some plugins connect to a provider that names a licensed insurer or policy, some say the provider pays claims itself, and some simply add a fee at checkout while your store handles any claims. 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 WooCommerce protection plugin do?
It adds a protection or "insurance" fee to the cart. The plugin's own listing or readme describes a model where the store keeps the fee and pays or decides any claims. Some of the plugins we reviewed say they only add the fee and do not process claims.
How many WooCommerce shipping protection plugins name an insurer?
Of the 17 plugins and integrations we classified in October 2026, 5 present their coverage as backed by a named insurer, insurance agency or policy. 5 describe a model where the store keeps the fee and pays or decides claims.
Who pays for fraudulent claims with a merchant-funded plugin?
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.
How do I check whether my plugin 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. If no insurer is named, ask in writing who pays a claim if your store does not.
Does InsureShip work with WooCommerce?
Yes. InsureShip is integrated with WooCommerce (integration built with our affiliated fulfillment company, RapidFulfillment). Coverage is underwritten by Navigators, a Hartford company, rated A+ by AM Best (Navigators Insurance Company, as of 2024), and claims are filed with InsureShip.
Take claims off your store's books
Give WooCommerce 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 WooCommerce Marketplace and the WordPress.org plugin directory for shipping protection, shipping insurance, package protection and order protection plugins, checked known providers' sites for WooCommerce integrations, then reviewed each listing, readme 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's own WooCommerce integration is not included in the table, and neither is a plugin that offers InsureShip coverage under its own brand as a white-label partner. 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).