Cova

Cova is a francophone African insurtech that acts as a digital broker and distribution platform for micro‑insurance, embedding simple, paperless insurance products into everyday services like microfinance, fintech, mobility, and e‑commerce. It works by connecting insurers and service providers, enabling remote subscription, digital claims management, and fast indemnity payments via Mobile Money, with Cova handling product design, compliance, onboarding of points of sale, and real‑time reporting.

Cova primarily operates in French‑speaking African markets, with a confirmed presence and headquarters in Douala, Cameroon. It also targets broader francophone Africa and has products addressing Cameroonian and Ivorian families, indicating activity at least in Cameroon and Côte d’Ivoire.

You typically sign up for Cova by engaging as a service provider or distribution partner through its web platform, where Cova onboards your physical or digital points of sale and connects insurance products to your services. Individual end customers usually subscribe to the embedded insurance remotely via mobile as part of partner services rather than signing up directly with Cova.

Yes, Cova has a mobile app available on the Google Play Store and App Store.

Cova is best suited for service providers and distributors such as microfinance institutions, fintechs, health techs, agritechs, mobility platforms, and e‑commerce businesses that want to bundle micro‑insurance or impact insurance into their customer journeys. It is designed to serve mass‑market consumers and households in francophone Africa who have limited access to traditional insurance channels through these partners.