InsureShip vs Shipsurance (2026): which should you pick?
As of Nov 13, 2026, InsureShip grades higher than Shipsurance: 2.4 against 1.6 out of 4.0.
Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA
InsureShip grades higher on the free plan and platforms. They get the same grade on value for money, features and ease of use.
Price, platforms and features side by side. The table says where each price was read and when.
InsureShip
Shipping insurance sold at checkout or on bulk shipments
Shipsurance
Discounted shipping insurance for parcels and freight
Which one is for you
Pick InsureShip if
- Fits if you want shoppers to buy insurance at checkout instead of you paying
- Works for a high-volume or B2B shipper that insures its own parcels in bulk
Look elsewhere if
- Pricey if you insure in bulk: $2.00 per $100 of declared value
- Watch out: the checkout program's pricing is not published, only confirmed with InsureShip
- Watch out: coverage is subject to terms, limits and exclusions, and availability varies by state
- Watch out: bulk coverage is sold through a quote
Pick Shipsurance if
- Fits if you ship a lot of FedEx or UPS parcels and want cover cheaper than the carrier's
- Works for a shipper that wants claims filed electronically
Look elsewhere if
- Not for you if you want a fixed price: rates depend on volume, commodity and claims history
- Watch out: some USPS international services get no cover; First Class International is separate
- Watch out: rates are per $100 per package, and the first $100 is covered free by most carriers but not USPS
- Not for you if you want a free plan or trial: none is listed
How we grade them
| 2.4GPAInsureShipFair | 1.6GPAShipsuranceWeak | |
|---|---|---|
| Value for money | CBulk coverage is $2.00 per $100 of declared value, well above the $0.10 to $0.60 per $100 that Shipsurance shows. The checkout program is free for the store, but its pricing is not published. | CRates are by quote: $0.10 to $0.40 per $100 for FedEx and UPS and $0.30 to $0.60 for USPS. No plan price is published, so we put it in the middle. |
| Free plan and trial | BFree to add to your store, with shoppers paying at checkout. Month to month, no long-term contract. | FNo free plan and no trial; cover is bought by quote. |
| Features | CCheckout insurance, bulk coverage and claims handled by InsureShip. Coverage has terms, limits and exclusions, and availability varies by state. | CLoss and damage cover for domestic and international parcels, electronic claims and shipping software integrations. No cover on some USPS international services, and rates depend on your claims history. |
| Ease of use | CNo store rating on record. You install a plugin, then it handles claims. | CNo store rating on record. You get a quote, then link it to your shipping software. |
| Platforms and integrations | BWeb with Shopify, WooCommerce, BigCommerce, Checkout Champ and Sticky.io. No desktop or phone app. | CWeb quote and claims, with shipping software integrations mentioned but not named on the pages we read. |
| Best for | shipping insurance at checkout or in bulk | discounted insurance for parcels and freight |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: InsureShip and Shipsurance. How we grade
Where they differ
- InsureShip also covers online store.
- Shipsurance also covers reports.
At a glance
| InsureShip | Shipsurance | |
|---|---|---|
| Pricing | Paid | Paid |
| Starts at | $2.00 per $100 of declared value (enterprise bulk coverage); free to add at checkout | Custom quote; typical rates $0.10 to $0.60 per $100 of coverage per package |
| Free plan | None | None |
| Free trial | None listed | None listed |
| Web | ||
| Made by | Online Shipping Insurance Services, Inc. | Shipsurance |
| Price read from | insureship.com | shipsurance.com |
| Checked | Nov 13, 2026 | Nov 13, 2026 |
Worth knowing
InsureShip
- Coverage is subject to policy terms, limits and exclusions, and availability varies by state.
- The checkout program's pricing is not published; the page says it is confirmed with InsureShip.
- Month to month with no long-term contract is stated for all three programs.
Shipsurance
- Rates are quote-based and depend on volume, commodity and claims history.
- The page notes no coverage on some USPS international services and says First Class International is available separately.
- Rates are shown per $100 of coverage, and the first $100 is covered free by most carriers but not USPS.
Key features
InsureShip
- Checkout insurance
- One-click opt-in offer on Shopify, WooCommerce, Checkout Champ, BigCommerce, Sticky.io and by API.
- Bulk coverage
- Insure outbound shipments at a flat rate on declared value.
- Claims handled by InsureShip
- Claims are filed with InsureShip rather than the merchant's support team.
- Coverage scope
- Loss, damage and theft, including porch piracy, up to $5,000 per shipment.
- Advertising partnerships
- Qualifying merchants can be paid for advertising space that promotes shipping insurance.
Shipsurance
- Loss and damage coverage
- Covers loss and damage in transit for shipments on major carriers.
- Quote-based policy
- Request a quote; if approved, a coverage certificate is issued.
- Shipping software integrations
- Works with most shipping systems, plus API calls to insure, void and manage claims.
- Electronic claims
- The site says a claim takes about 5 minutes to file and most are paid within a week.
- Domestic and international
- Covers domestic and worldwide shipments, with some First Class International limits.
Plans
InsureShip
Checkout shipping insurance$0
free to add to your store; shoppers pay for coverage at checkout
Shoppers opt in at checkout and file claims with InsureShip. Program pricing is confirmed with InsureShip.
Enterprise bulk coverage$1,000
per $50,000 of insured shipment value ($2.00 per $100)
For high-volume and B2B shippers insuring their own shipments, with a dedicated account manager and in-house claims team. Sold through a quote.
Shipsurance
Custom policyCustom
Rate per $100 of coverage depends on volume, commodity and claims history. Site shows $0.10-$0.40 for FedEx and UPS, $0.30-$0.60 for domestic USPS. Quote only.
Common questions
Which is cheaper, InsureShip or Shipsurance?
As of Nov 13, 2026, InsureShip starts at $2.00 per $100 of declared value (enterprise bulk coverage); free to add at checkout, and Shipsurance starts at Custom quote; typical rates $0.10 to $0.60 per $100 of coverage per package.
Which has a free plan, InsureShip or Shipsurance?
As of Nov 13, 2026, neither InsureShip nor Shipsurance has a free plan.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.