Service Description and Fees

Cover Concierge

Cover Concierge gives you priority access to app customer support representatives over text message to modify your policy, find another carrier, and ask questions about insurance or other financial products. The fee for Cover Concierge is $2.99 per month if the policy monthly premium is less than $100.00 per month, or $4.99 per month if the policy monthly premium is equal to or greater than $100.00 per month. Your Cover Concierge membership will renew on a monthly basis and you will automatically be charged the applicable subscription fee.


A one-time fee of $50 will be charged to cancel any policy prior to the policy’s termination date. You can cancel the policy by messaging us via email or SMS.

Late Payment

A fee of $10 will be charged each time the monthly premium is not paid on the due date.

Non-sufficient Funds (NSF)

A fee of $20 will be charged each time there is insufficient funds to complete payment through your selected payment method.

PayPal Credit

Cover has partnered with PayPal to help you unlock a discounted paid-in-full insurance policy, as well as the ability to manage your payments directly with PayPal on a monthly basis. A one-time PayPal Credit Fee will be charged based on the policy month premium.

Monthly Premium PayPal Credit Fees
<$100.00 $25
<$100.00 - $200.00 $50
$200.00 - $300.00 $75
>$300.00 $100