Let customers protect their orders at checkout, manage claims from your own dashboard, and keep 100% of every protection fee.
A shipping insurance alternative that runs entirely inside your WooCommerce store. Lost, damaged and stolen package claims are filed through a customer portal and resolved from your merchant dashboard in wp-admin — no third-party platform, no revenue share.
Free forever plan · No account required · Installs in 2 minutes
Self-hosted shipping protection means the plugin, the protection fees, the reserve ledger and every claim record live inside your own WooCommerce database — not on a vendor's platform. You set the protection plans, you decide the payouts, and you keep 100% of what customers pay.
Third-party order protection platforms such as Route and Seel run the program on your behalf and take a share of the premium in exchange. CoverMyOrder is the opposite trade: you carry the claims yourself, and you keep the margin.
Each protected order adds a shipping protection premium that goes straight to your account through your existing gateway, not a vendor's. Across your order volume it compounds into a margin no revenue-share model would leave you.
See licensingLost, damaged and stolen package claims go into a structured customer portal with photo evidence and an audit trail, instead of landing in your inbox as untracked support email.
Read the claims guideProtection fees collect in a reserve ledger you control from your merchant dashboard. You set the pricing model, the coverage caps and the approval rules, and you decide every payout.
How the reserve ledger worksOrder records, claim submissions and evidence uploads are written to your own WordPress database. Nothing is synced to an external platform, so you stay the data controller for your own customers.
Read the privacy policyCheckout protection renders in both the Cart & Checkout Blocks and the classic shortcode checkout, with no template overrides. Order data is read through the WooCommerce HPOS API rather than legacy post tables.
See the documentationPremium adds a rule-based decisioning engine over incoming claims: auto-approve low-value claims, hold high-risk ones for manual review, and cap payouts per customer, so your team handles the exceptions only.
Explore automation rules| CoverMyOrder self-hosted | Third-party platform hosted service | |
|---|---|---|
| Who keeps the protection fee | You keep 100% | Platform takes a share |
| Where claim data lives | Your WooCommerce database | The vendor's platform |
| Who decides payouts | You do, from wp-admin | The vendor, by their policy |
| Pricing control | You set fees and coverage caps | Vendor or algorithm sets them |
| Who carries the claim cost | You do, from your reserve | The vendor absorbs it |
| Ongoing cost | Flat licence, or free forever | Per-order or revenue share |
The honest trade-off: a hosted platform absorbs claim costs for you, and that has real value if your claim volume is unpredictable. Self-hosting means you carry those costs — and keep the margin when claims stay low.
CoverMyOrder adds an opt-in shipping protection line item to the WooCommerce cart and checkout. It renders natively in both the Cart & Checkout Blocks and the classic shortcode checkout, inherits your theme's styling, and prices itself as a flat fee or a percentage of cart value — no template overrides and no code.
The CoverMyOrder merchant dashboard reports premiums collected, open claims, reserve balance and payout activity on a single wp-admin screen. It reads order data through the WooCommerce HPOS API, so there is no external login, no separate portal and no context switching between your store and a vendor's platform.
A shipping protection program is only healthy if premiums outpace payouts. These are the figures that tell you whether yours is.
A shipping protection claim is a customer's request for a refund or replacement when an order does not arrive as expected. With CoverMyOrder, customers file claims from their WooCommerce account, upload photo evidence and track status. You review the claim in your merchant dashboard and approve a refund or a reship — and every action is written to the reserve ledger, so each order keeps a complete audit trail.
Lost, damaged and stolen are handled differently — different evidence, different carrier position, different fraud risk. CoverMyOrder captures each as its own claim reason so you can price and review them separately.
The package never reaches the customer. Tracking stalls mid-route, or shows delivered when nothing arrived.
Usually needs carrier tracking history and the customer's account of non-delivery.
The package arrives, but the contents are broken, crushed or otherwise unusable on opening.
Usually needs photos of both the item and the outer packaging — the single fastest claim to resolve.
Tracking confirms delivery, but the package is taken from the doorstep before the customer retrieves it — commonly called porch piracy.
Usually needs a customer statement, and sometimes doorbell footage or a police report. The highest fraud risk of the three.
Because each reason is recorded separately, your analytics show which type is actually driving your loss ratio — and your automation rules can auto-approve one type while holding another for review.
A reserve ledger is a running record of every shipping protection premium collected and every claim paid out, kept as individual transactions rather than a single aggregate balance. CoverMyOrder writes each one as its own line, giving you a balance you can defend to an accountant. Nothing is aggregated away, and every entry ties back to a WooCommerce order.
Two entry types, one running balance. Premiums are credited when a protected order is placed; payouts are debited when you approve a claim. Neither is ever edited after the fact — a correction is a new entry, not a rewrite.
| Order | Entry type | Amount | Reserve balance |
|---|---|---|---|
| #1042 | Premium collected | + 4.99 | 128.44 |
| #1043 | Premium collected | + 6.50 | 134.94 |
| #1019 | Claim payout — damaged | − 62.00 | 72.94 |
| #1044 | Premium collected | + 4.99 | 77.93 |
An editable balance is a number someone has to trust. An append-only ledger is a history anyone can re-derive — which is the difference between a figure your accountant accepts and one they have to question.
A reserve that keeps climbing means premiums are outpacing claims. One that trends down means your pricing or coverage caps need revisiting — visible long before it becomes a problem.
Figures shown are illustrative. The reserve ledger is a bookkeeping record inside your own store — it is not a segregated trust account, an insurance reserve, or a financial guarantee.
Claims auto-decisioning is a set of rules that approve, deny or hold an incoming claim automatically, based on conditions you define. CoverMyOrder Premium runs a rule-based decisioning engine over every claim: low-value claims clear without an operator, high-risk ones are held for manual review, and payouts are capped per customer — so your support team handles the exceptions rather than every claim.
Each rule is a set of conditions and the action to take when they all match. Claims are evaluated as they arrive, and anything that matches no rule waits for you.
The routine majority. These are the claims that would otherwise eat your support hours for no judgement value.
Stolen claims carry the highest fraud risk, and repeat claimants are the pattern worth a human look.
Caps stop a single account from draining the reserve, and the customer gets a clear reason rather than silence.
No claim is ever decided automatically until you write a rule that says so. Run the plugin with zero rules and every claim waits for manual review, exactly as it does on the free version — then automate one claim type at a time as you learn your own patterns. Every automated decision is still written to the reserve ledger with the rule that triggered it.
Rules shown are illustrative examples of the conditions and actions available. Configure your own thresholds, claim reasons and caps in wp-admin.
The shipping protection badge is what customers see before they opt in — so it should look like your store, not a third-party widget. Set its colours, copy and placement across product and cart pages, without touching a template file.
Protection margin is what is left after claims are paid. Track attach rate, premiums against payouts and loss ratio over time, and see which products are driving your claims — so you can adjust pricing and coverage caps before the reserve tells you to.
The free version of CoverMyOrder is a complete shipping protection program: checkout widget, claims portal, reserve ledger and analytics. Pro adds pricing flexibility, claim automation, white-label branding and integrations for stores running at scale.
| Feature | Free | Pro |
|---|---|---|
| Plans & pricing | ||
| Protection plans | Single flat-fee plan | Unlimited active plans (Basic / Standard / Premium tiers) |
| Pricing model | Flat fee only | + Percentage-of-cart pricing |
| Coverage cap | Fixed cap only | + Multiplier, cart-total, and global store-wide caps |
| Category pricing | — | Per-category price overrides (e.g. charge more for electronics) |
| Fallback plan | — | Configurable fallback when a checkout's plan id no longer resolves |
| Checkout & branding | ||
| Checkout widget | Cart / Checkout Block + classic shortcode | Same |
| Badge branding | 2 colour presets, fixed title and description, always on | 7 presets + custom hex, custom logo, editable copy, per-surface placement, can hide entirely |
| White-label | — | Custom agency name in admin menu, email footers, and customer portal |
| Claims & resolution | ||
| Claims portal | Self-serve (My Account, block, shortcode) | Same |
| Evidence upload | 10 files at 10MB each by default (filterable) | Same limits in practice |
| Carrier tracking | Manual entry + AfterShip inbound webhook ingestion | + Auto-files claims when tracking shows lost or damaged, with no operator action |
| Claims resolution | Refund only | + Reship as an alternative |
| Auto-decisioning | — | Rule-based auto-approve / auto-deny engine, unlimited rules |
| Fraud & risk | Basic customer risk profile sidebar | + Rule-based fraud scoring (geography + seasonal signals) |
| Carrier recovery | — | Opens a FedEx / UPS / USPS recovery record when a claim is approved |
| Analytics & ledger | ||
| Analytics | KPIs, sparklines, loss ratio, bulk actions, products driving claims report | + Carrier-level analytics and loss-ratio / payout reporting |
| Reserve ledger | Full running balance | Same, plus CSV export |
| CSV export | — | Claims, protections, and reserve ledger |
| Integrations & platform | ||
| Notifications | Email (every claim status) | + SMS via Twilio |
| Outbound webhooks | — | Slack / Zapier / custom, HMAC-signed |
| REST API | Read-only endpoints | + API tokens for authenticated external / integrator write access |
| Multi-store | — | Manage claims across multiple connected stores from one dashboard |
| WP dashboard widget | Yes | Same |
| Support | ||
| Support | Community / WordPress.org forum | Priority email support |
“Same” = identical to the Free capability · “—” = Pro only
Third-party protection platforms run the programme for you and take a share of every fee. CoverMyOrder runs it inside your own store, so the margin, the branding and the decisions stay yours.
That last row is the real trade-off, and it is worth being clear about: a hosted platform carries your claim costs, and that has genuine value if your claim volume is unpredictable. Self-hosting means you carry them — and keep the margin when claims stay low. Most stores find the maths favours keeping it, which is why the free version exists: run it, watch your loss ratio, decide with your own numbers.
Every paid plan includes the full CoverMyOrder feature set — there are no feature-gated tiers. Choose how many sites you need to cover and how you would like to pay.
For solo merchants running a single WooCommerce store.
Perfect for growing WooCommerce stores managing multiple sites.
Built for Woo agencies deploying CoverMyOrder for clients.
Prices in USD · 14-days money-back guarantee · Secure checkout by Freemius
WooCommerce shipping protection is an optional fee a customer pays at checkout, in exchange for the store refunding or replacing their order if it is lost, damaged or stolen in transit. CoverMyOrder adds that option as a line item in your WooCommerce cart and checkout, and gives you the tools to manage the resulting claims.
In three steps. A protection option appears at checkout and the customer opts in, paying a fee you set. That fee is recorded in your reserve ledger. If the order goes wrong, the customer files a claim from their account, and you approve a refund or a reship from wp-admin. Everything runs inside your own WordPress install.
No. Shipping insurance is an underwritten policy sold by a licensed insurer. Shipping protection is a promise you make directly to your own customers: they pay a fee, and you agree to refund or reship if the order does not arrive as expected. CoverMyOrder is software that runs that program for you. It is not an insurer, does not underwrite anything, and is not a substitute for legal or regulatory advice in your market.
No. CoverMyOrder takes 0% of your shipping protection premiums. It is a plugin installed on your own WooCommerce store, not a third-party platform, so every premium a customer pays goes to you. The only cost is a flat annual licence fee for Premium.
Yes. You control the pricing model entirely. The free version offers a single flat-fee plan. Premium adds percentage-of-cart pricing, multiple protection plans, coverage caps, and per-category overrides so you can charge differently for fragile or high-value products. No algorithm sets your fees for you.
Premiums are collected as a normal line item through your existing payment gateway, so the money lands in your account alongside the order total. CoverMyOrder then tracks every premium and every payout in a dedicated reserve ledger, so you always know how much is set aside to cover claims.
Three types, each recorded separately. Lost in transit, where the package never arrives. Damaged on arrival, where it arrives but the contents are broken. And stolen after delivery, where tracking confirms delivery but the package is taken before the customer retrieves it. Recording them separately lets you see which type is driving your claims.
The customer submits a claim from their account portal with photos and notes. You review the evidence in wp-admin and approve a refund or a reship, and every action is written to the reserve ledger automatically. Premium adds rule-based automation that resolves routine claims without an operator.
You do. That is the trade-off of running your own program: you review every claim and you fund every payout from the premiums you have collected. A third-party platform absorbs those costs but takes a share of the revenue. CoverMyOrder gives you the margin and the control, and the responsibility that comes with them.
Yes. CoverMyOrder supports both the Blocks checkout and the classic shortcode checkout, and is fully compatible with High Performance Order Storage (HPOS). All order operations use the WooCommerce HPOS API rather than the legacy post tables.
Yes. The free plugin on WordPress.org includes the full checkout experience, the claims portal, and the reserve ledger — it is a complete protection program, not a trial. Upgrade to Premium when you want automation rules, percentage pricing, advanced analytics, and priority support.
No. Everything runs inside your WordPress install. There is no external account to create, no order or claim data leaving your store, and no monthly platform fee. Your protection data lives in your own database and stays there, even if you stop paying for Premium.
Premium licences carry a 14-day money-back guarantee. Request a refund within 14 days of purchase and it is processed without a support ticket. Note that this covers the licence fee only — it is separate from the claim refunds you issue to your own customers, which come from your reserve.
Install the free CoverMyOrder plugin on your WooCommerce store in a couple of minutes. Upgrade to Premium whenever you are ready to automate claims.