Sendcloud is an essential technology platform for thousandsretailers more than 30,000) looking to optimize their shipping operations. To safeguard these shipments, Sendcloud offers integrated package insurance, promising simplicity and speed. But how effective is this protection in practice?
This 2026 guide provides a detailed analysis of Sendcloud’s insurance system, covering its technical operations, pricing structure, Limits , and exclusions. We’ll compare this solution to other options on the market, including Claisy, to help you determine which coverage best suits your shipping volume, product catalog, and budget constraints.
How does Sendcloud Insurance work?
Sendcloud's delivery insurance is provided by an expert technology partner, XCover (part of Cover Genius). This model offers a major advantage: claims processing is independent of the Carrier decision, which allows for faster compensation than with carriers.
The user experience is another strong point: the claims process is seamlessly integrated into the Sendcloud interface, offering centralized management without disrupting the user’s workflow, all backed by a firm commitment to respond within three business days
Coverage of the "sales value"
Sendcloud, like Claisy, covers the retail value of the merchandise (the price paid by your end customer, including tax) regardless of the Carrier Chronopost, DHL, UPS, FedEx, etc.). However, Sendcloud’s insured shipping requires proof of sale (invoice), whereas solutions like Claisy can retrieve this information automatically via CMS connectors.
An Overview of Sendcloud Package Insurance: Rates, Limits, and Exclusions
Sendcloud Insurance Rates: Just One Variable, the Destination
Sendcloud's shipping insurance plan is simple and depends solely on the package's destination: domestic or international
The model is based on a clear and transparent system that makes a simple distinction between domestic and international services (which can quickly become expensive in this case).
Unfortunately for French shippers, the France-specific rate schedule is now obsolete.
Sendcloud Limit : a limit of €5,000
Regardless of the pricing plan, the maximum insurable amount through the Sendcloud solution is "unfortunately limited" to €5,000. While this is certainly a Limit for many retailers, it quickly becomes a hurdle for professionals in the luxury, art, retail supply, and high-value B2B equipment sectors.
Exclusions and Conditions
Sendcloud's parcel shipping insurance is appealing because it has no deductible. However, its list of exclusions is a major concern, particularly for high-tech items (which are not covered).
Main product categories excluded:
- High Tech ( Cell Phones, Laptops, etc.)
- Televisions
- Computer chips and memory devices
- Works of art
- CBD, E-cigarettes, ...
- Precious stones and metals, foreign currency, etc...
The complete exclusion of cell phones and laptops is a major obstacle for all players in the high-tech and refurbished e-commerce sectors. Always check the terms and exclusions before shipping.
Sendcloud vs. Claisy: Two Approaches to Simplicity
Who Sendcloud is ideal for: retailers already use the Sendcloud ecosystem and primarily ship standard products (clothing, accessories, small items) benefit from native integration and efficient centralized management. The lack of a deductible is a real advantage for insured packages of average value.
When to consider an alternative: If your product catalog includes items not covered by Sendcloud insurance, such as electronics (smartphones, laptops) or goods valued at over €5,000, other solutions like Claisy or Shipsurance may offer more suitable and complementary coverage.
Decision Tree: A Supplement to Sendcloud Insurance?
To help you figure out the best way to insure your packages based on your needs, here’s a simple guide.
Claisy is therefore a simple, complementary alternative to Sendcloud's parcel insurance.
Sendcloud Insurance (or Add-on) Alternative: Connect to your CMS in 5 minutes
The true power of automation lies in native integration. Claisy presents itself as a genuine alternative to Sendcloud and integrates directly with the tools that power your business: Shopify, PrestaShop, WooCommerce, and more. The result? Zero effort, zero oversights, 100% coverage of your shipments, and a successful migration from Sendcloud to Claisy.
Conclusion: Sendcloud, an excellent integrated solution with clear limitations
The ad valorem insurance offered by Sendcloud is a modern, fast, and seamlessly integrated solution, ideally suited for retailers standard goods valued at up to €5,000. The lack of a deductible and centralized management are, of course, undeniable advantages.
However, for an expert analysis, its limitations must be taken into account:
- A Limit €5,000, which excludes high-value shipments
- A restrictive list of exclusions, particularly for key products such as computers and cell phones
- A price difference between domestic and international shipments
Final verdict: Sendcloud Insurance effectively meets the needs of 70% to 80% of retailers shipping standard goods. Its native integration and simplified management explain its widespread adoption.
For the remaining 20–30%, covering sectors such as refurbished high-tech, luxury goods, art, or items valued at over €5,000, exclusions and Limits to explore specialized alternatives. In this category, Claisy stands out with broader coverage and Limits . The choice will depend on your volume, your technical connector, and your preference for automated management of disputes .