As an e-tailer or company, every shipment is a promise to your customer. But between the warehouse and delivery, there are risks: loss, theft, damage... Insuring your parcels is not an option, it's a pillar of your reputation and profitability. Packlink Pro insurance is one of the best-known integrated solutions on the market. But is it really adapted to your needs in 2025?
This comprehensive, factual and uncompromising guide takes a look at how Packlink Pro shipping insurance works. We'll analyze its rates, its Limits, its conditions and, above all, its claims process. To give you the full picture, we'll compare a Packlink-insured parcel with a specialized alternative, Claisy, so you can make an informed choice for the protection of your goods.
How does Packlink Pro insurance work? The ad valorem principle
The insurance offered by Packlink Pro is called "ad valorem" insurance. This simply means that the insurance premium and potential reimbursement are based on the declared value of the goods you are shipping.
The principle is simple: when you prepare your shipment on the platform, you can take out additional coverage by indicating the actual value of your content. This insurance is in addition to the basic coverage (often very limited) included by default by carriers (ChronopostDHL, UPS, FedEx, etc.).
Coverage for new and used goods: an advantage for professionals
One of the strengths of the Pro offer is its ability to cover shipments of bothnew and used items. This is a significant differentiator from many consumer offers that exclude second-hand products. To assert your rights in the event of a claim for a Packlink insured parcel on a second-hand product, you will need to provide proof of its value, such as a purchase or sales invoice.
The key promise: coverage even if the Carrier refuses?
Packlink Pro emphasizes its ability to take over if the Carrier refuses to cover a claim. In theory, this means that even if the Carrier declines responsibility, Packlink Pro's support team will manage the case to obtain reimbursement.
However, the reality is nuanced. The resolution of the case remains intrinsically linked to the Carrier's investigations. The average delay is 30 days, but can extend to 90 calendar days if additional documents are requested by the Carrier. This dependence can create uncertainty and significant cash-flow delays for your company.
Packlink Pro Insurance Rates, Limits and Restrictions
This is where the details become crucial for a professional. Understanding the true cost and limits of your coverage is fundamental.
Pricing: a lack of transparency?
Unlike fixed-percentage offers, Packlink Pro insurance rates are not publicly displayed as a percentage. The cost is calculated by quotation and presented to you when you finalize your shipment, based on the value you declare. This lack of upstream visibility can make it difficult to calculate your margins and establish clear profitability rules.
Coverage Limit : a €5,000 limit
Packlink Pro's complementary ad valorem insurance covers your shipments up to a maximum value of €5,000. This Limit is valid regardless of the Carrier partner chosen via the platform. While it is higher than that offered to the general public, it may not be sufficient for companies shipping higher-value goods (high-tech equipment, luxury items, professional equipment, etc.).
By way of comparison, specialist players such as Claisy offer Limits up to €100,000, offering far greater flexibility.
Goods covered, exclusions and conditions to be aware of
No parcel insurance covers everything. Knowing the exclusions is just as important as knowing the coverage.
List of items excluded from Packlink Pro insurance
Before insuring a parcel, you must check that your goods are not on the list of prohibited items. In the event of a claim (loss, theft, damage) involving one of these products, no compensation will be possible.
The list includes :
- Jewelry, precious stones and metals
- Works of art and antiques
- Cash, securities and bills of exchange
- All types of liquids (including alcohol)
- Tobacco and tobacco-derived products (including CBD)
- Perishables
You can consult the complete and up-to-date list directly on their support site.
The obstacle course: the claims procedure
In the event of a lost, damaged or stolen parcel, you need to open a claims file via the Packlink Pro interface. This is the start of what can be a lengthy process.
- File opening: You submit your claim with supporting documents (invoice, photos of the damage, etc.).
- Processing by PackLink: The support team checks the completeness of your file
- Transfer to Carrier : The file is forwarded to Carrier for investigation. This is the critical stage
- Waiting for decision: Resolution depends on Carrier's response. As mentioned, this period varies from 30 to 90 days.
This dependency is a major sticking point for Packlink. Your refund is subject to the diligence and decision of a third party.
Claisy is a great alternative to Packlink parcel insurance.
Connect your CMS for free in 5 minutes and Migrate Packlink Insurance to Claisy
The real power of automation lies in native integration. Claisy presents itself as the alternative to Packlink insurance, and plugs directly into the tools that drive your business: Shopify, Prestashop, WooCommerce, etc. The result? Zero effort, zero forgetting, perfect coverage on 100% of your shipments.
Conclusion: Packlink Pro, a practical but limited solution
Packlink Pro parcel insurance is a convenient, integrated solution for companies just starting out or shipping low-value goods. Coverage for used goods is an added bonus.
However, our factual analysis reveals important structural limitations for demanding professional use:
- Quotation-based pricing lacks transparency
- A €5,000 Limit that limits quickly
- Compensation delays of 30 to 90 days, pending the Carrier's decision
For companies looking for peace of mind, predictability and robust protection, an independent parcel insurance policy like Claisy is a far more effective alternative. With transparent pricing at less than 0.75%, a €100,000 Limit and a 7-day money-back guarantee regardless of the Carrier, it directly addresses the friction points left by integrated solutions.
Your logistics are a competitive advantage. Your choice of insurance is the key to it.