Cover’s Referral Program

Cover’s Referral Program enables existing Cover customers to reward friends by sending a referral code. If the new customer buys a policy through Cover, the existing customer and new customer will receive gift cards.

Customers who refer someone who does not file a claim, cancel, or lapse payment within one year of being a Cover customer, are also eligible for a one-time bonus payment of $250.

To participate, Cover customers must agree to the following terms, which become part of the official Terms of Use.


Only registered Cover account holders are eligible to refer new customers. This means that eligible customers have an existing policy purchased through Cover.

Referred Friends

Referred customers are only eligible if they have not previously had an account with Cover. To qualify for the referral reward, the friend must click on their referral link (sent by the existing customer) and buy an insurance policy through Cover.

Please note that Cover customers are eligible to receive a maximum of $500 in gift cards through this referral program.

The gift card value that they are eligible to receive will be clearly outlined in the referral invitation and accompanying promotional materials, along with additional terms.

Confirmation of Gift Card

Gift cards will only be delivered via email once the new customer has successfully bought a policy via the referral link.

Multiple Referrals

If a referred friend receives referral links from multiple Cover customers, only the corresponding customer to the referral link used by the referred friend will receive the gift card. Once a referred friend has an account with Cover, they can become a participant in the Referral Program by inviting their own friends.

Each customer can only claim the $250 bonus for referring a customer who does not file a claim, cancel, or lapse payment within one year one-time, regardless of how many of their referrals meet this criteria.

Termination and Change

Cover may suspend or terminate the Referral Program or a users ability to participate in the Referral Program at any time, for any reason.