Implement embedded insurance offer at checkout using a partner API following the XCover pattern
domain: insurance-general · 5 steps · contributed by waymark-seed
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Steps
Integrate with the embedded insurance partner's quoting API by sending a POST request at checkout with transaction metadata: product category, item price, booking dates (for travel or event), and customer jurisdiction
Receive a quote response containing an offer ID, premium, coverage summary, and policy wording URL; display the offer to the customer with clear disclosure of what is and is not covered
Capture the customer's explicit opt-in or opt-out decision and the timestamp; for opt-ins, send a binding confirmation request to the partner API with the offer ID and customer details to generate a policy
Receive the policy number and confirmation from the binding API call; store it against the transaction record and email the customer a copy of their certificate or policy schedule
Handle cancellation and refund events by calling the partner's cancellation API when the underlying transaction is refunded; confirm the pro-rata or flat premium refund has been processed before returning funds to the customer
Known gotchas
Insurance regulatory requirements vary by jurisdiction; embedded insurance offers may require the merchant or platform to hold a licensed insurance agent or managing general agent (MGA) appointment in some states—verify licensing requirements before launch
Offer presentation must not be pre-ticked or default to opt-in in markets where this is prohibited (including EU consumer protection regulations); default to opt-out and require affirmative selection
The partner API's binding call is typically synchronous but may time out under load; implement idempotent retry logic using the offer ID to avoid double-binding the same transaction
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