MyCover.ai API
Insurance
Embed auto, health, travel & gadget insurance from licensed Nigerian insurers
MyCover.ai API Highlights
MyCover.ai API is best for Nigerian fintech, e-commerce, mobility and logistics apps that want to embed insurance products and earn commission without an insurance licence.
Nigeria
Ghana
Kenyaai is a Lagos-based embedded-insurance platform. Its APIs and SDKs let apps sell and manage policies from licensed Nigerian insurers (including AIICO, Leadway, AXA, Custodian, Heirs, Sanlam-Allianz and Hygeia) without holding an insurance licence.
Products cover auto, health, travel (Schengen and non-Schengen), gadget, goods-in-transit (package), credit life and home/office contents insurance. Operational APIs handle products, policies, claims, customers and sales, and webhooks report policy and claim events.
Claims run through an automated flow from notification to loss assessment and payout. SDKs initialise with a public key (MCAPUBK_TEST|… for test mode, MCAPUBK_LIVE|… for live).
ai is not an insurer; it distributes policies underwritten by its partner insurers.
MyCover.ai API Core Features & Capabilities
| Feature | Status | Description & Capabilities |
|---|---|---|
| Policy Purchase & Issuance | ✓ Supported | Provides native Policy Purchase & Issuance capabilities integrated within the API. |
| Claims Management | ✓ Supported | Provides native Claims Management capabilities integrated within the API. |
| Device & Gadget Insurance | ✓ Supported | Provides native Device & Gadget Insurance capabilities integrated within the API. |
| Health Insurance | ✓ Supported | Provides native Health Insurance capabilities integrated within the API. |
| Auto / Motor Insurance | ✓ Supported | Provides native Auto / Motor Insurance capabilities integrated within the API. |
| Travel Insurance | ✓ Supported | Provides native Travel Insurance capabilities integrated within the API. |
| Embedded Insurance API | ✓ Supported | Provides native Embedded Insurance API capabilities integrated within the API. |
| Nigeria / Africa Coverage | ✓ Supported | Provides native Nigeria / Africa Coverage capabilities integrated within the API. |
- No integration fee published; distributors earn commission on policies sold
- Premiums are set by the partner insurers
Required Access Documents for MyCover.ai API
- CAC RegistrationRequiredCertificate of Incorporation or Business Name registration from the Corporate Affairs Commission, required for business onboarding.
- Director / Owner IDRequiredValid government ID (NIN slip, international passport or driver's licence) for directors or beneficial owners.
- Proof of Business AddressOptionalUtility bill or tenancy document for the registered business address, if requested during KYB.
Different MyCover.ai API use cases
- Gadget Insurance at Checkout:Offer device protection when customers buy phones or laptops in a Nigerian e-commerce store.
- Auto Insurance in a Mobility App:Let drivers buy and renew third-party or comprehensive motor insurance inside a ride-hailing or fleet app.
- Goods-in-Transit Cover for Logistics:Insure parcels per shipment in a delivery platform and file claims through the API when goods are lost or damaged.