What is MyCover.ai and how does it work?

MyCover.ai is an insurtech platform that provides an open insurance API for businesses to embed personalized insurance products into their services. It works by partnering with insurance companies to offer over 30 products like health, vehicle, and gadget coverage, while using AI to automate claims processing, underwriting, distribution, and payouts through APIs, a mobile app, or a dashboard.

What countries does MyCover.ai operate in?

MyCover.ai operates in Nigeria and plans to expand across Africa.

Does MyCover.ai have a mobile app?

Yes, MyCover.ai offers a mobile app for automated claims support, including notifications, loss assessments, and instant payouts.

Who is MyCover.ai best suited for?

MyCover.ai is best suited for businesses such as fintechs, e-commerce platforms, logistics, ride-hailing services, proptechs, telcos, and BNPL platforms that want to embed insurance products.

Does MyCover.ai have a plan for teams or businesses?

Yes, MyCover.ai offers a B2B platform called MyCoverGenius for entrepreneurs and small businesses to purchase insurance for staff and assets.

Does MyCover.ai offer an API or integrations?

Yes, MyCover.ai offers a public API. View the official MyCover.ai API documentation for endpoints, authentication, and integration guides.

MyCover.ai

🇳🇬 Nigeria

An embedded insurance infrastructure platform for African businesses to integrate insurance products using open APIs and SDKs, with access to multiple providers.

Use it on:Web API iOS· 5.0 Android· 4.1

Is MyCover.ai right for you?

Best for

Nigerian fintech apps
Ecommerce checkout flows
Ride hailing platforms
Digital lenders
B2B product teams

What it does well

Insurance via open APIs
SDK-based integration
Multiple insurer access
White-label insurance flows
Embedded insurance setup

Things to check

Insurance products offered
Provider list in Nigeria
Claim handling process
API docs and uptime
Pricing fit

MyCover.ai is a digital infrastructure platform for embedded insurance that helps African businesses integrate and distribute insurance products to their customers without operating as an insurance company.

Key capabilities include:

Open insurance APIs and SDKs to embed insurance flows inside existing apps and checkout experiences
Access to multiple insurance providers and a catalogue of insurance options, including health, gadget, vehicle, personal accident, credit life, and cargo coverage
A unified web dashboard for managing policies and tracking activity, with insights to support distribution and operations
Low-code tooling such as Product Links for teams that want to add insurance without a full engineering build

Available via Web dashboard, with API integrations and support for mobile app experiences.

Targeted at B2B teams across fintech, payroll and HR platforms, ride-hailing, e-commerce, remittance services, SMEs, and startups that want to embed insurance into customer journeys.

Notable in the African context for its focus on enabling embedded insurance distribution in Nigeria and other African markets through partnerships with licensed insurance providers, helping businesses expand product offerings and add insurance at point of sale.

As of Jun 29, 2026, MyCover.ai is rated 5.0 on the App Store from 2 reviews and 4.1 on Google Play from 22 reviews with 1K+ installs.

Phone:+234 907 000 8899

Categories:

Fintech

Features & Business Model:

ai-powered b2b insurance saas white-label