Comparison · 2026 edition
Cover Genius vs Qover: embedded finance compared 2026.
Cover Genius and Qover side by side in the Embedded Finance and Insurance Index 2026: scores, evidence, published facts and awards.
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Cover Genius and Qover side by side in the Embedded Finance and Insurance Index 2026: scores, evidence, published facts and awards.
In the Embedded Finance and Insurance Index, Qover scores higher overall: 4.2 out of 5 (84 out of 100) against 3.6 (73), ranking 1 and 2 of 14. Qover also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Cover Genius | Qover |
|---|---|---|
| Score out of 5 | 3.6 | 4.2 |
| Score out of 100 | 73 | 84 |
| Overall rank | 2 of 14 | 1 of 14 |
| For software and platform companies (out of 100) | 70, rank 3 | 81, rank 1 |
| For retailers, travel and marketplaces (out of 100) | 81, rank 2 | 88, rank 1 |
| For regulated firms adding products (out of 100) | 68, rank 3 | 82, rank 1 |
| Type | Embedded insurance distribution platform | Embedded insurance platform and insurance agent |
Each score with the evidence behind it.
| Criterion | Cover Genius | Qover |
|---|---|---|
| Product range | 5/5 Five or more insurance and protection lines published. | 5/5 Five insurance lines published. |
| Published pricing | 0/5 Not published. | 0/5 Not published. |
| Regulatory standing | 5/5 Own licences with numbers published for four jurisdictions. | 5/5 Own registrations with FSMA and FCA numbers published. |
| Geographic reach | 5/5 60+ countries and all 50 US states published. | 5/5 32 European countries published. |
| Integration and launch | 4/5 API, white-label journey and a stated launch time; no sandbox on the pages read. | 5/5 API, test key, white-label flow and a stated launch time published. |
| Security | 0/5 Not published on the pages read. | 3/5 ISO 27001 published; SOC 2 not published. |
Each criterion is scored 0 to 5 against the best published offer in the Embedded Finance and Insurance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Cover Genius | Qover |
|---|---|---|
| Products | "motor, travel, injury and liability insurance policies"; shipping protection; marketplace protection; warranties and "any line of insurance, warranty or other type of protection". | Insurance solutions: "Accident & health", "Mobility", "Purchase", "Travel" and "Property"; "Since 2016, Qover has helped 440+ brands & insurers cover millions of people." |
| Regulatory standing | UK: "Cover Genius Ltd, a firm authorised and regulated by the Financial Conduct Authority (Firm Reference No. 750711)"; EEA: AFM "license number 12046177"; Australia: "AFS Licensee, No 490058"; New Zealand: "FSP1001258". | "Qover is a Belgian-regulated untied insurance agent"; footer: "FSMA 0650.939.878 FCA: FRN 988985"; UK services "through our local branch, which is authorised and regulated by the Financial Conduct Authority". |
| Reach | "Licensed or authorized in over 60 countries and all 50 US states." | "insurance distribution activities on behalf of insurance companies across 32 countries in Europe" under the Freedom of Services. |
| Integration | RESTful APIs; "100% white-labeled" experience; "Go live in weeks with minimal development resources". | "Explore our API capabilities and receive your own test key"; "Choose a white-label flow or embed it in your app via API"; "launch in weeks, not months". |
| Clients | Quoted clients include Priceline and Turkish Airlines ("seamless integration in 56 countries"). | Not listed in this index |
| Security | Not listed in this index | "ISO 27701 & 27001 certified". |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Cover Genius: published pricing and security.
Not published or not stated by Qover: published pricing and security.
Facts read on 26 October 2026 from: covergenius.com, covergenius.com/regulatory, covergenius.com/company/about; and qover.com, qover.com/legal-services.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Global retailers, airlines and marketplaces selling cover in many countries.
Firms selling cover across Europe and the UK.
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