What is the primary value proposition of Cover Genius according to the deck?

The primary value proposition is enabling digital companies to protect their global customers at the point of sale or sign-up through an API-integrated platform. As shown on slide 4, they facilitate a 'value shift' where customers purchase customized insurance products directly from their favorite online companies rather than through traditional, fragmented insurance brokers.

How does Cover Genius demonstrate its competitive advantage over legacy insurers?

On slide 7, the company uses a side-by-side comparison. They highlight that while traditional insurers use legacy systems and take 20+ days to pay claims via mail, Cover Genius uses a microservices architecture to provide instant payments. They also emphasize their ability to handle regulation and licensing internally, which traditional models struggle to scale globally.

What specific financial impact does the platform have on its partners?

Slide 5 lists several case studies: a global marketplace saw 513% growth in warranty revenue, AXS saw a 290% growth in attach rate, and VIP Cars saw a 65% growth in average revenue per customer. These figures suggest that the platform's optimization engine significantly outperforms traditional insurance offerings in a retail environment.

What are the core components of the XCover technology stack?

As detailed on slide 10, the XCover platform consists of two primary engines: BrightWrite (Pricing and Risk API) and XClaim (Instant payments and claims administration). These are supported by six microservices: Notice of Loss, Claim Administration, Instant Payments, Notifications, CRM, and Fulfillment.

Is there information regarding the founders or the investment ask in this deck?

No. This 12-slide version of the deck completely omits a team slide, biographical information about the founders, and a specific funding 'Ask' or use of proceeds. This is common in later-stage decks where the company's metrics and brand partnerships are considered the primary drivers of the investment thesis.

Cover Genius Pitch Deck (2014): 12-Slide Breakdown

See all 12 slides of the Cover Genius pitch deck — a 2014 Later deck — with a slide-by-slide teardown of what the deck does well and where it falls short.

The Cover Genius pitch deck is a highly professional, metric-dense presentation that focuses on the 'Insurtech' shift from legacy systems to microservices. Rather than spending time on the problem of insurance generally, it focuses on the specific execution of embedded insurance at the point of sale. The deck excels at providing concrete evidence of value, citing specific revenue uplifts (e.g., 513% growth in warranty revenue for a global marketplace) and operational scale (2.5M customers in 2020). It positions their XCover platform not just as a product, but as a global distribution infrastr…

Key takeaways

The company highlights a massive scale of 2.5M customers in 2020 and 100k claims processed in 2019 on slide 3.
Social proof is the core of the deck, featuring enterprise logos like eBay, Intuit QuickBooks, and Booking Holdings on slides 3 and 6.
Slide 5 provides specific ROI metrics, such as a 513% growth in warranty revenue for a retail marketplace after switching to Cover Genius.
The deck uses a direct comparison table on slide 7 to contrast 'Traditional Insurers' (legacy systems, 20+ day claims) with 'Cover Genius' (microservices, instant payments).
Global reach is a recurring theme, with the platform supporting 60+ countries, 50 US states, and 40+ languages as noted on slide 7.
The technology stack is explicitly detailed on slide 10, showing a microservices architecture including 'BrightWrite' for pricing and 'XClaim' for payments.
Customer satisfaction is quantified with an industry-leading Claims NPS of +65, cited on slides 3, 7, and 11.
Slide 12 demonstrates the data advantage, noting $9BN+ in sales fed into their optimization engine and 1.7M price experiments conducted between July 2019 and June 2020.

Introduction: The Infrastructure of Embedded Insurance

Cover Genius, founded in 2014, represents a shift in the insurance industry toward 'embedded' solutions. This 12-slide deck, used during their later-stage growth, focuses heavily on the transition from legacy insurance models to a modern, API-driven approach. The deck is characterized by high-density data, enterprise-grade social proof, and a clear architectural explanation of their technology stack. With $165.1 million raised, this teardown examines how they communicated their value to sophisticated investors.

Slides 1-2: The Mission and Positioning

The deck opens with a clean, high-contrast title slide stating "GLOBAL INSURANCE & WARRANTIES FOR ANY BUSINESS" (Slide 1). This immediately establishes the company's broad horizontal reach. Slide 2 follows with a concise mission statement: "We enable the world’s largest digital companies to protect their global customers, at the point of sale or sign up." This slide is critical because it defines their B2B2C model—they are not selling to consumers directly; they are an enablement layer for 'the world's largest digital companies.'

Slide 3: The Journey and Traction

Slide 3 is a 'traction' powerhouse. It lists five key metrics that define their six-year journey since launch: 150+ staff across global hubs (NY, SF, London, Sydney, etc.), 2.5M customers in 2020 , 100K claims processed in 2019 , and an industry-leading Claims NPS of +65 . The slide also features the Financial Times logo, ranking them as the #1 High-Growth Company in Asia Pacific 2020 . The bottom half of the slide introduces a logo wall including eBay, QuickBooks, Booking Holdings, and Wayfair , setting the stage for the enterprise-focused narrative that follows.

Slides 4-5: The Paradigm Shift and Case Studies

Slide 4, titled "INSURANCE THE NEW WAY," uses a simple diagram to show the 'value shift to digital companies.' It contrasts the 'Old' way (customers buying direct from insurers) with the 'New' way (customers buying customized products from their favorite online companies). Slide 5, "THE INSURTECH DIFFERENCE - CASE STUDIES," provides the quantitative proof for this shift. It lists specific, impressive growth metrics for partners: 513% growth in warranty revenue for a global marketplace, 290% growth in attach rate for AXS, and 50% ARPO (Average Insurance Revenue Per Order) growth for Gotogate. These numbers are designed to prove that Cover Genius isn't just a convenience; it is a significant revenue driver for partners.

Slides 6-7: Global Capability and Competitive Comparison

Slide 6 provides a deeper dive into their partnerships, explaining exactly how companies like Booking Holdings use their technology for "in-path insurance in 60+ countries, 50 US states & 40+ languages." This emphasizes their ability to handle the complex regulatory and linguistic hurdles of global insurance. Slide 7, "THE INSURTECH APPROACH," is a classic comparison table. It pits "Traditional Insurers" against "Cover Genius." Key differentiators include "Legacy systems" vs. "Microservices," "Static pricing" vs. "Dynamic pricing," and "20+ days, checks via mail" vs. "Instant payments" for claims. This slide effectively frames traditional insurers as obsolete and Cover Genius as the modern standard.

Slides 8-10: The XCover Platform and Architecture

Slide 8 introduces "XCOVER" as a standalone brand. Slide 9 explains that "XCOVER IS AN INSURANCE DISTRIBUTION PLATFORM" and uses two personas—a Millennial buying a bicycle and a Business Traveler booking flights—to illustrate how the API bundles policies (theft, baggage, medical) from different insurers in real-time. Slide 10 provides a technical breakdown of the "XCOVER’S MICROSERVICES ARCHITECTURE." It identifies two core engines: BrightWrite (Pricing and Risk) and XClaim (Payments and Claims). It further breaks these down into functional modules like "Notice of Loss," "Claim Administration," and "Fulfillment." This level of detail is intended to reassure technical due diligence teams that the platform is modular and scalable.

Slides 11-12: The Claims Experience and Data Advantage

Slide 11 focuses on "THE CLAIMS EXPERIENCE," showcasing a screenshot of the user interface. It lists features like "24/7 global assessment with scientific fraud detection" and "Instant payments in 90+ currencies." The final slide, "BRIGHTWRITE: DATA ANALYTICS AND OPTIMIZATION" (Slide 12), highlights their data moat. It claims "$9BN+ sales fed into BrightWrite’s optimization engine" and "1.7M price experiments" between July 2019 and June 2020. This concludes the deck by suggesting that their competitive advantage grows with every transaction, as their pricing engine becomes more refined through massive data ingestion.

What Works in This Deck

Specific, Verifiable ROI: The use of exact percentages (513%, 290%, 65%) in the case studies on Slide 5 is far more effective than vague claims of 'increased revenue.' It shows the company has a deep understanding of its partners' unit economics.

Infrastructure Positioning: By focusing on 'Microservices' and 'APIs' rather than just 'Insurance,' Cover Genius positions itself as a tech company rather than a financial services firm. This is crucial for achieving the higher valuation multiples associated with SaaS and Fintech infrastructure.

Global Readiness: The repeated mention of 60+ countries, 40+ languages, and 90+ currencies addresses the biggest pain point for global e-commerce players: the fragmentation of local insurance markets. The deck successfully argues that Cover Genius is the only 'one-stop-shop' for global distribution.

What Is Missing From This Deck

The Team: There is no mention of the founders, their backgrounds, or the executive leadership team. While the company's traction speaks for itself, investors usually want to see who is steering the ship, especially in a highly regulated industry like insurance.

Financial Projections: While the deck shows partner growth, it does not show the company's own P&L, burn rate, or revenue projections. This information was likely reserved for a secondary data room, but its absence in the main deck is notable.

The Ask: The deck does not state how much capital is being raised or how that capital will be deployed. This suggests the deck may have been used for general partnership development or as a preliminary teaser for a round that was already in late-stage negotiations.

What a Founder Should Copy

The Comparison Table (Slide 7): This is a textbook example of how to frame a competitor. By choosing specific operational metrics (days to pay, architecture type, licensing) rather than just 'features,' they make the incumbent look fundamentally incapable of competing.

The 'Journey' Slide (Slide 3): Combining a timeline with high-level metrics and a logo wall is a great way to establish immediate credibility. It tells the story of the company's growth without requiring a long narrative.

Use of Personas (Slide 9): Explaining a complex API through the lens of a 'Millennial' and a 'Business Traveler' makes the technology relatable. It helps investors visualize the end-user experience, which can often get lost in discussions about back-end infrastructure.

Data Moat Presentation (Slide 12): If your business generates data that improves your product, quantify it. Stating the number of 'experiments' and the total dollar volume of sales analyzed provides a concrete sense of the 'intelligence' behind the platform.

Frequently asked questions

What is the primary value proposition of Cover Genius according to the deck?: The primary value proposition is enabling digital companies to protect their global customers at the point of sale or sign-up through an API-integrated platform. As shown on slide 4, they facilitate a 'value shift' where customers purchase customized insurance products directly from their favorite online companies rather than through traditional, fragmented insurance brokers.
How does Cover Genius demonstrate its competitive advantage over legacy insurers?: On slide 7, the company uses a side-by-side comparison. They highlight that while traditional insurers use legacy systems and take 20+ days to pay claims via mail, Cover Genius uses a microservices architecture to provide instant payments. They also emphasize their ability to handle regulation and licensing internally, which traditional models struggle to scale globally.
What specific financial impact does the platform have on its partners?: Slide 5 lists several case studies: a global marketplace saw 513% growth in warranty revenue, AXS saw a 290% growth in attach rate, and VIP Cars saw a 65% growth in average revenue per customer. These figures suggest that the platform's optimization engine significantly outperforms traditional insurance offerings in a retail environment.
What are the core components of the XCover technology stack?: As detailed on slide 10, the XCover platform consists of two primary engines: BrightWrite (Pricing and Risk API) and XClaim (Instant payments and claims administration). These are supported by six microservices: Notice of Loss, Claim Administration, Instant Payments, Notifications, CRM, and Fulfillment.
Is there information regarding the founders or the investment ask in this deck?: No. This 12-slide version of the deck completely omits a team slide, biographical information about the founders, and a specific funding 'Ask' or use of proceeds. This is common in later-stage decks where the company's metrics and brand partnerships are considered the primary drivers of the investment thesis.

Cover slide of the Cover Genius pitch deck — Later Stage 2014 — Cover Genius pitch deck, slide 1 (2014)

Cover Genius pitch deck: the facts

Company: Cover Genius
Year: 2014
Stage: Later Stage
Slides: 12
Sector: FinTech

Cover Genius pitch deck PDF

The full Cover Genius deck is embedded on this page and can be read slide by slide in the browser — no download or account required. Each slide is covered in the breakdown above.

What the Cover Genius pitch deck was used for

This deck is a 12‑slide fundraising presentation from Cover Genius, an insurtech founded in 2014 that builds an API‑first embedded insurance distribution platform (XCover) for large digital companies. The specific deck appears to be a later‑stage VC raise used after the company had proven its global embedded model with enterprise partners such as eBay and Booking Holdings and coverage in 60+ countries, as referenced by Pitch Deck Hunt’s description. The TechCrunch report on Cover Genius’s Series D notes the company was largely bootstrapped and had raised only about $1M from inception in 2014 to its Series B in 2018, implying this 2014‑era deck was for an early or seed‑type round despite being categorized as "Later Stage" by the source. The deck focuses on XCover as an insurance distribution platform that generates tailored protection products at checkout for retail and travel transactions across many markets, positioning the company as a global embedded insurtech rather than a traditional carrier.

Business model: Cover Genius is an insurtech focused on **embedded insurance**, providing an API-driven distribution platform (XCover) that enables large digital platforms and e-commerce sites to offer tailored insurance and warranty products at the point of sale in multiple countries.

Investors: Specific investors for the 2014 deck’s associated round are not clearly disclosed in accessible primary sources; later r
Founded: 2014
Founders: Angus McDonald, Chris Bayley
Industry: Insurtech / Embedded Insurance / FinTech

Round: Externally, Cover Genius’s early funding from 2014–2018 is described as largely bootstrapped with only ~$1M raised, while later stages include Seed, Series B, C, D, E and a credit/growth round; the specific 2014 deck likely corresponded to an early seed or initial capital raise rather than the later large rounds.

Year: 2014 (deck year from Pitch Deck Hunt); external funding history confirms company inception in 2014 and small early raises but does not precisely attribute a disclosed round to this exact deck.

Raised: Later funding history shows $165M raised by Series D in 2022 and more than $244M of equity financing plus a $100M credit facility by 2026, but the precise amount tied to the 2014 deck’s round is not directly documented in external sources beyond the TechCrunch note that only about $1M had been raised by Series B in 2018.

Headquarters: New York, USA and Sydney, Australia (dual presence frequently cited; often described as New York-based with Australian roots).

Total funding: Cover Genius has raised roughly **$165M of equity funding** by late 2022, and more than **$244M–$245M** in total venture/equity financing by 2024–2026, plus a **$100M credit/growth round** in 2026.

What happened after the Cover Genius deck

The thesis presented in Cover Genius’s deck—that an API‑first, embedded insurance distribution platform could disrupt legacy channels through partnerships with major digital platforms and global reach—was later validated by substantial funding and expansion. After a bootstrapped early period with only about $1M raised through 2018, the company secured progressively larger rounds: a $10M Series B i

From inception in 2014 to Series B in 2018, Cover Genius raised only about **$1M**, operating largely bootstrapped befor
Raised **$10M Series B** in 2019, followed by an **equity round around 2020** and a **Series C led by Sompo Holdings** i
Secured **$70M Series D** in 2022 led by Dawn Capital, bringing total equity raised to approximately **$165M** by that t
Closed an **$80M+ Series E** round in 2024, led by Spark Capital with participation from Dawn Capital, King River Capita
In 2026, raised **$100M of credit/growth capital** from Vista Credit Partners at a reported valuation of about $1.9B, si

What the Cover Genius deck got right

Compelling explanation of embedded insurance at point of sale. Clear articulation of an **embedded insurance** model: the deck and OCR slides explain how XCover integrates at the point of sale or sign‑up for large digital companies, generating tailored warranties and insurance bundles for specific transactions (e.g., online bike purchase, OTA flight booking). This makes a complex distribution model tangible to investors.
Strong distribution via major global digital partners. Emphasis on **massive enterprise partnerships** such as eBay and Booking Holdings and global operation in **60+ countries** showcases strong distribution power and scalability, signaling that the company can leverage partner customer bases rather than relying on direct retail marketing.[Pitchdeckhunt page]
Platform framing with multi‑insurer flexibility. Positioning XCover as an "insurance distribution platform" that can source products from multiple insurers allows Cover Genius to present itself as infrastructure rather than a single carrier, highlighting flexibility and potential for broad product coverage and cross‑border solutions.
Focused, concise narrative around API‑first disruption. Lean **12‑slide deck** focused on the core thesis (API‑first, global embedded protection) reflects disciplined storytelling and may help keep investor attention on the strategic value of the platform rather than diffuse details.[Pitchdeckhunt page]
Thesis later validated by substantial institutional and strategic capital. Later funding success, including large Series C, D, and E rounds and a nine‑figure credit facility, suggests that the story told in this deck—global embedded insurance via XCover—proved compelling and was ultimately validated by sophisticated institutional and strategic investors.
Experienced tech‑industry founding team aligned with platform strategy. Founders with backgrounds at major tech companies (Google and Yahoo) reinforce credibility in building scalable API products and negotiating with large digital platforms, which aligns well with the enterprise‑focused strategy outlined in the deck.

What could have been stronger

Sparse quantitative financial traction in the visible slides. The OCR text and Pitch Deck Hunt summary show strong qualitative claims (global reach, large partners, 60+ countries) but do not reference concrete financial metrics such as revenue, loss ratios, take‑rates, or unit economics, leaving investors with limited visibility into the business’s financial performance at the time of the deck.
Regulatory and risk‑bearing model not clearly articulated. While the deck positions XCover as an insurance distribution platform and mentions multiple insurers per bundled product, the available text does not clearly explain regulatory licensing, risk‑bearing structure, or compliance strategy across 60+ countries, which are critical considerations in insurance and might prompt detailed diligence questions.
Limited explanation of pricing, underwriting and competitive moat. The slide snippet describing consumer scenarios (millennial buying a bike, business traveler booking flights) explains use cases but does not specify pricing logic, underwriting data sources, or competitive differentiation versus other embedded insurance providers or traditional comparison sites, making it harder to assess defensibility from the deck alone.
Potential mismatch between labeled stage and actual funding history. Pitch Deck Hunt’s category labels this deck as "Later Stage," yet external sources indicate the company was largely bootstrapped and had raised only about $1M through Series B in 2018, suggesting possible mismatch between deck labeling and actual funding stage and potentially confusing readers relying solely on the category.
Enterprise partnership economics not detailed. The deck emphasizes large enterprise partners but the accessible text does not specify contract duration, revenue share structures, or exclusivity terms, which investors would need to evaluate sustainability and concentration risk of those relationships.

How an investor would read this deck

What draws attention

Demonstrated ability to embed insurance at the **point of sale** across major platforms such as eBay and Booking Holdings, supporting the thesis that insurance can be sold via large digital distribution partners rather than traditional brokers.[Pitchdeckhunt page]
Global reach across **60+ countries** via XCover’s platform, addressing the complexity of cross‑border insurance distribution for e‑commerce and travel.[Pitchdeckhunt page]
API‑first architecture enabling quick integration with major platforms and localization of products, aligning with broader trends in financial APIs and embedded fintech.
Founding team with prior experience at **Google and Yahoo**, which can signal strong technical and product capabilities for building scalable platforms.
Later fundraising history (Series C, D, E, and 2026 credit round) validates investor appetite for this embedded insurance model and platform, showing that the thesis presented in the deck ultimately attracted substantial capital.

Risks that stand out

Regulatory risk from operating insurance distribution across 60+ countries, including licensing, consumer protection, and data privacy requirements that can change over time and differ by jurisdiction.
Partner concentration risk if a substantial share of early revenue depended on a small number of large platforms such as eBay or Booking Holdings, making the business vulnerable to contract changes or loss of a key customer.[Pitchdeckhunt page]
Execution risk in maintaining and scaling integrations with many large partners while ensuring consistently high conversion and attach rates at checkout.
Competitive risk from other insurtechs and carriers pursuing embedded insurance APIs, potentially compressing margins or reducing differentiation over time.
Potential complexity in claims servicing across multiple countries and insurers, which could affect customer experience and partner satisfaction if not managed carefully.

Questions this deck invites

How exactly does Cover Genius/XCover handle regulatory licensing and compliance in each of the 60+ countries where it operates (e.g., acting as MGA, broker, or using local carrier partners)?
What were the early financial metrics at the time of this deck: gross written premium, revenue, contribution margins per partner, and policy attach rates for key enterprise customers?
How concentrated was revenue among flagship partners like eBay and Booking Holdings at the time of the deck, and what contractual protections (term, exclusivity, minimums) were in place?[Pitchdeckhunt page]
What data sources and underwriting models did XCover use to tailor products in real time for each transaction, and how did performance (loss ratios, claims experience) compare to traditional channels?
How defensible is the platform against emerging competitors in embedded insurance and against incumbent carriers building their own APIs—what switching costs and integration depth make XCover sticky for partners?

What founders can take from the Cover Genius deck

An API‑first **embedded insurance** platform can tell a compelling story by showing familiar consumer purchase flows (e.g., bikes, flights) and explaining how tailored protection appears seamlessly at checkout, making a highly technical product intuitive for investors.
Highlighting large, recognizable enterprise partners (eBay, Booking Holdings, major OTAs) can strongly reinforce distribution power and scalability, especially in sectors like insurance where customer acquisition via direct channels is expensive.[Pitchdeckhunt page]
Global reach metrics (e.g., 60+ countries) help investors appreciate the ambition and potential market size, but they also invite deeper questions about regulatory compliance and operational complexity that founders should be prepared to answer.
Later external funding outcomes (large Series C, D, E and a nine‑figure credit round) show that a clear thesis around embedded insurance distribution, if executed well, can attract substantial strategic and financial capital even if the company is initially bootstrapped.
Storytelling that contrasts an agile, API‑driven platform with "legacy insurance" distribution channels can effectively position the startup as a modern infrastructure provider rather than a traditional carrier.
Using concrete, narrative examples (millennial buying a bike, business traveler booking flights) is an effective way to make abstract platform capabilities tangible and demonstrate how the product improves the end‑user experience in real transactions.

Cover Genius pitch deck: common questions

What does Cover Genius do?

Cover Genius is an insurtech company that provides an API‑driven platform (XCover) enabling large digital businesses (e‑commerce, OTAs, travel, fintech platforms) to embed tailored insurance and warranty products directly into their checkout or sign‑up flows.

When was Cover Genius founded and by whom?

Cover Genius was founded in **2014** by Angus McDonald (former Yahoo executive) and Chris Bayley (former Google employee), who set out to disrupt legacy insurance distribution with embedded, point‑of‑sale protection for global digital platforms.

How much funding has Cover Genius raised and what are its major rounds?

According to TechCrunch, Cover Genius was largely bootstrapped early on and had raised only **about $1M** from its inception in 2014 through its Series B in 2018, before later raising larger rounds including a **$10M Series B in 2019**, **Series C led by Sompo Holdings in 2021**, **$70M Series D in 2022**, and **$80M Series E in 2024.

Which major partners or customers were highlighted in Cover Genius’s pitch deck?

The pitch deck highlighted partnerships with major platforms such as **eBay and Booking Holdings** and claimed the ability to scale protections across **60+ countries**, illustrating traction in embedded insurance with large enterprise customers.[Pitchdeckhunt page] These specific details come from the Pitch Deck Hunt description of the deck rather than primary fundraising filings.

What is XCover and how was it described in the pitch deck?

The XCover platform shown in the deck is positioned as an insurance distribution and product‑generation engine: for any given online retail or travel transaction, XCover returns a localized, tailored protection bundle (e.g., theft + extended warranty for an online bike purchase; baggage, medical, and trip cancellation cover for an OTA flight booking) from multiple insurers around the world.

Sources

Funding and outcome facts on this page were researched on 2026-08-21 from the pages below.

Cover Genius pitch deck slides

Cover Genius pitch deck slide 1 of 12 — Cover Genius pitch deck — slide 1 of 12

Cover Genius pitch deck slide 2 of 12 — Cover Genius pitch deck — slide 2 of 12

Cover Genius pitch deck slide 3 of 12 — Cover Genius pitch deck — slide 3 of 12

Cover Genius pitch deck slide 4 of 12 — Cover Genius pitch deck — slide 4 of 12

Cover Genius pitch deck slide 5 of 12 — Cover Genius pitch deck — slide 5 of 12

Cover Genius pitch deck slide 6 of 12 — Cover Genius pitch deck — slide 6 of 12

What each slide of the Cover Genius pitch deck says

Slide 2

We enable the world's largest digital companies to protect their global customers, at the point of sale or sign up.

Slide 3

High-Growth OUR JOURNEY FT | Honrom Beginning in 2014, we've built a truly global business celal 6yrs 150+ 2.5M OOK +65 since launch $104 in NY, SF, Landon, Customars in 2020 Claims processed Industry loading Sydney, Singopore, Tokyo, 2018 Claims NPS Amsterdam & mor Global partners include: ebay @ gliickbooks Biorne ShipStaticn’ ws « vi : AUTOMATRI DP cespesar wayfair.... axs tile

Slide 9

XCOVERIS ANINSURANCEDISTRIBUTION PLATFORM COVER GENIUS The XCover AF generates a warranty or insurance product for any retail sale worldwide. For example: 1. A Millennial is shopping online for bicycles, During the transaction, XCover retums tailored protection that inciudes theft and extended warranty. 2. A Business Traveler books return flights from New York to Hong Kong via an OTA. XCover bundles baggage, medical and trip cancelation insurance from 2 differant insurers.

Slide text above is read directly from the Cover Genius deck PDF embedded on this page.