Learn more about Chit Chats Insurance and what it covers.

Before you purchase and add Chit Chats Insurance to your shipment, please ensure that it is eligible for insurance or 'insurable'. A shipment may be ineligible for Chit Chats Insurance even if insurance is available for the service selected. 

Insurable shipments must follow specific criteria for content, destination and postage type. Our insurance provider outlines this criteria in the coverage rules for our insurance.

Alternatively, your shipment may be eligible for carrier insurance.


Certain items are difficult to insure, like items that are fragile, irreplaceable, or of high value. Often insurance providers will opt to not cover shipments containing these items. The following groups are widely considered to be uninsurable:

  • Computer Chips
  • Currency/Money, Gift Certificates
  • Personal Goods including gifts
  • Perishables
  • Precious/Semi-Precious Stones, Bullion

Please see our coverage rules for a complete list of items excluded from insurance coverage.


Insurance providers may assess specific countries as having a higher risk of loss or damage. Often these countries are not covered by the insurer and are considered to be uninsurable. These countries include:

Afghanistan, Algeria, Angola, Belarus, Bosnia and Herzegovina, Burundi, Cote d'Ivoire (Ivory Coast), Croatia, Cuba, Democratic Republic of the Congo, Iran, Iraq, Jordan, Liberia, Libya, Moldova, Montenegro, Myanmar (Burma), Nigeria, North Korea, Paraguay, Republic of the Congo, Russia, Serbia, Sierra Leone, Somalia, Sri Lanka, Sudan, Syria, Togo, Yemen, Zimbabwe

Please see our coverage rules for the most current list of countries excluded from insurance coverage.

Postage Type

Currently, only fully-tracked postage options purchased on the Chit Chats platform are eligible for Chit Chats Insurance. Insurance coverage does not extend to postage purchased outside of the Chit Chats platform.

Services lacking delivery confirmation such as partially tracked or non-tracked services are not insurable with Chit Chats Insurance but may include carrier insurance. Chit Chats Insurance cannot be added to the following platform postage types:

  • Chit Chats International Standard*
  • USPS First Class Mail (Letter & Oversized Flat)
  • USPS First Class Mail International
  • USPS First Class Package International (select countries**)

Insurable Value

We are able to offer coverage for shipments up to a specific insurable value (the declared retail value plus the postage cost). Shipments that exceed the maximum insurable value are not eligible for Chit Chats Insurance. If you wish to insure an item of greater value, you are welcome to look into a third-party option outside of Chit Chats. 

The maximum insurable value for Chit Chats Insurance depends on the service used:

  • $300 USD for U.S. & international shipments (e.g. USPS, UPS MI, Chit Chats U.S. Tracked & Asendia)*
  • $400 USD for Chit Chats Canada Tracked shipments

*Service availability may vary.
**Chit Chats Insurance will only be available for shipments to select destinations with delivery confirmation.

Important! In order to be eligible to file a claim for your insured shipment, it must first be received by Chit Chats. Shipments are not covered while they are in transit to Chit Chats. You cannot file claims for shipments that have been disposed of due to items being prohibited or returned to sender. See timelines for filing claims.