The program is co-administered by Meslee Insurance Services and backed by Navigators Insurance Company (HUB International and Hartford Fire Insurance Company in Canada).
Filing a claim for insurance doesn’t have to be hard! If you're submitting a claim for Chit Chats Insurance it can be done in a few clicks right from your Chit Chats account! We’ve broken down the steps for you here.
If you need help with filing a claim with USPS, Canada Post or another carrier, find details about how to file a carrier insurance claim here.
How to file a Chit Chats Insurance claim
If you have purchased Chit Chats Insurance for your eligible shipments, you can easily file a claim from within your Chit Chits account. Remember the waiting period must pass before you attempt to file a claim.
Claims for damage
- U.S. - Immediately
- Canada - Immediately
- International - Immediately
Claims for loss
- U.S. - 15 days from ship date, 30 days if shipped to APO or FPO addresses
- Canada - 15 days from ship date
- International 30 days from the ship date
Important! In order to be eligible to file a claim for your insured shipment, it must be received by Chit Chats. You cannot file a claim for a shipment that has been disposed of due to prohibited items or being returned to sender. Shipments are not covered for loss or damage while they are in transit to Chit Chats. You must submit your claim within 90 days of purchasing postage. You will need additional coverage from a third-party if you wish to have insurance coverage before Chit Chats receives your shipments. We recommend this for high value shipments and if you mail-in or use a courier pickup service.*
Once the waiting period for your shipment has passed, find the shipment in your account and look to the shipment details (right sidebar).** Click on File a Claim. This will take you to the claims submission form on our insurer’s website. Alternatively, you can file your claim directly on the insurer's website by entering your shipment ID or the carrier tracking number.
If the File a Claim link is not available for your shipment, this may mean that your shipment was not eligible for Chit Chats Insurance or that you had not purchased it for this particular shipment.
You will notice that a number of the shipment details have already been filled out for you (e.g. insured value in USD). Complete and verify this information before submitting the claim. You may want to double-check that the insured value of your shipment includes applicable sales tax. Further instructions on how to fill out the submission form can be found at the top of this page.
Required Information for Claim Submission
Your Information (for reimbursement)
Full name
Name or company name the reimbursement should be made payable to
Recipient Information
Full name
Delivery address (street, city, province/state, postal/ZIP code, country)
Email address/Phone number
Recipient contact details are required for your claim to be reviewed. If unavailable, see step 2.5 and 2.5.2.
2.5 If Recipient Contact Details Are Not Available
Screenshots of electronic communication (messages, emails, platform chats)
Confirmation from the recipient that the shipment was lost or damaged
Date of the message
Supporting documents should be dated AFTER the required waiting period has passed.
2.5.2 Amazon FBA Shipments
Email or official notice from Amazon confirming the loss or damage
3. Package Details
Item description
Shipping date
Declared value
Quantity (if applicable)
If damaged, high-resolution photos of the item(s) will be required.
4. Packaging Details (Required for Damage Claims)
High-resolution photos of the outer box or packaging
Photos of internal packaging materials used
5. Complete Invoice (Full Copy Required)
Order date
Order number
Product or item value(s)
Breakdown of charges (taxes, shipping, etc.)
Shipping details (seller/shipper and buyer/consignee)
Billing and payment information
Refund amount (if applicable)
6. What Happened to the Shipment
Lost shipment (Loss may include cases of non-receipt caused by a delivery error)
Damaged shipment
Please note that should your lost shipment begin to show tracking updates or even be delivered during the claims process, the insurer may deny your claim. Only lost or damaged packages are covered by Chit Chat insurance.
You can learn how to check the status of your claim here.
*You must confirm the coverage rules for any supplemental coverage you purchase through another provider.
**Insurance claims must be filed within 90 days from the original postage purchase date. The Insured will have one (1) year from the date postage was purchased to provide any required and/or additional documentation which has been requested of the Insured to substantiate said claim. In the case that required and/or additional documentation which has been requested goes ninety (90) days with no document submission will result in denial of the claim. Claim can be reopened upon submission of requested documents if documents are submitted within one (1) year from the date postage was purchased. Failure to provide the required and/or additional documentation within one (1) year from the postage purchase date will result in the denial of the claim.
Filing a claim under false pretenses will result in the denial of your claim.