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CoverMyOrder

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CoverMyOrder

by Abdur Rouf

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Description

CoverMyOrder is a customer-facing shipping protection platform built directly into WooCommerce. Customers opt in to a small protection fee at checkout — when a delivery goes wrong (lost, damaged, or stolen) they file a claim through a self-serve portal. Operators review claims, approve or deny, and issue WooCommerce refunds.

Unlike SaaS alternatives, you keep the full protection fee in your own account. A built-in reserve ledger tracks every dollar collected and paid out so you always know your loss ratio at a glance.

Free Features

Checkout

  • Customer opt-in protection widget — WooCommerce Cart/Checkout Block and classic shortcode fallback
  • Single flat-fee protection plan
  • Branded opt-in badge with 2 color theme presets
  • Post-purchase confirmation card and customer order notification email

Claims Portal

  • Self-serve customer claim portal — WooCommerce My Account integration, Gutenberg block, and shortcode
  • Evidence upload — photos, videos, PDFs (up to 10 files at 10 MB each by default; filterable)
  • Manual carrier tracking entry
  • AfterShip inbound webhook for automatic tracking event ingestion (AfterShip account required)

Operator Dashboard

  • Dashboard with KPIs: fees collected, active claims, reserve balance, and loss ratio; sparkline charts; traffic-light health indicator
  • WordPress dashboard widget (“CoverMyOrder — At a Glance”) on the wp-admin home page
  • Claims queue with status chips, search, overdue badge, and one-click approve & issue WooCommerce refund
  • Customer risk profile sidebar on each claim
  • Reserve ledger with full running balance
  • HTML email templates for every claim status: submitted, approved, denied, and resolved

Branding

  • 2 colour theme presets
  • Hardcoded badge title and description (matches plugin name)
  • Cart badge always enabled

Setup & Compatibility

  • First-run setup wizard — pick a plan, enable the badge, configure tracking
  • HPOS (High-Performance Order Storage) compatible
  • WooCommerce Cart and Checkout Blocks compatible
  • REST API (read endpoints)
  • Multilingual ready — Text Domain: covermyorder

Why CoverMyOrder?

*Self-hosted
*Keep 100% of protection fees
*WooCommerce native
*HPOS Ready
*Blocks compatible
*No monthly platform fees

Premium Add-On

Optional CoverMyOrder Premium adds advanced features that are NOT part of the free WordPress.org plugin:

  • Multiple protection plans — unlimited active tiers (e.g. Basic / Standard / Premium) instead of the free plugin’s single plan
  • Percentage-of-cart pricing and multiplier/cart-total coverage caps, in addition to flat fee + fixed cap
  • Per-category price overrides (e.g. charge more for electronics or fragile items)
  • Full badge customization — toggle it off, custom title/description/logo, 5 additional color presets plus a custom hex picker, and per-surface placement
  • Rule-based fraud risk scoring on every claim
  • Auto-claim from AfterShip carrier webhooks (no operator action needed)
  • Carrier recovery tracking (auto-opens a FedEx / UPS / USPS recovery record to file when a claim is approved)
  • SMS notifications via Twilio
  • Carrier-level analytics and reporting
  • White-label for agencies
  • Multi-store management
  • Priority email support

The Premium add-on is a separate plugin distributed through Freemius. It is not included in this free plugin and is not required for the free plugin to work.

Third-Party Services

This plugin connects to the following external services. Please review their policies before using the plugin in a production environment.

AfterShip (optional)

If you enable the AfterShip integration under CoverMyOrder Settings Tracking, AfterShip will deliver tracking event payloads to your site via an inbound webhook. Your site acts as a receiver only — no data is sent from your site to AfterShip by this plugin. An AfterShip account and a separately configured webhook are required.

CoverMyOrder Hub (optional, off by default)

CoverMyOrder can poll covermyorder.com for important security alerts, end-of-life notices, and product announcements, then surface them as wp-admin notices. This feature is OFF by default and is only activated when you explicitly tick Receive important CoverMyOrder updates under CoverMyOrder Settings Data & privacy. No outbound network calls happen until you opt in.

When a connection is made (only after opt-in):

  • Once per day — your site fetches the latest message list (read-only HTTP GET).
  • Once per week — your site sends a small “heartbeat” so we know it is still alive.
  • On notice dismiss / CTA click — your site sends a single non-blocking ping with the message ID.

Endpoint: https://covermyorder.com/wp-json/sg-hub/v1/

What data is sent: plugin version, WordPress version, PHP version, WooCommerce version, locale, best-effort country code, and your site URL. Note that the hub stores a SHA-256 hash of the site URL for analytics in addition to the raw URL for operator-facing diagnostics.

What is never sent: customer records, order details, claim data, evidence files, email addresses, IP addresses, or anything related to your store’s protected orders.

How to revoke consent: untick the same checkbox. The plugin clears its WP-Cron schedule the moment the option is turned off, and the in-admin notices stop appearing on the next page load.

Via WordPress admin (recommended)

  1. Go to Plugins Add New and search for “CoverMyOrder”.
  2. Click Install Now, then Activate.
  3. The first-run setup wizard opens automatically — follow the three steps to choose a plan, preview the badge, and configure the tracking webhook secret.

Manual installation

  1. Upload the covermyorder folder to /wp-content/plugins/covermyorder/.
  2. Activate the plugin from the Plugins screen.
  3. The setup wizard launches on your first admin page load.
Is WooCommerce required?

Yes. WooCommerce 8.0 or higher must be installed and active. The plugin will display an admin notice and will not load if WooCommerce is absent.

Is this regulated insurance?

No. CoverMyOrder is a merchant-funded reserve product — you collect a small fee from opted-in customers and pay claims out of that reserve. It is not a regulated insurance product. Consult legal counsel if you are unsure about compliance requirements in your jurisdiction.

Is there any feature in the code that does not work for free users?

No. Every feature included in the free plugin is fully functional for everyone. The optional Premium add-on is a separate plugin (not included here) that adds completely new features such as fraud risk scoring, SMS notifications, and carrier recovery tracking.

Is the plugin compatible with HPOS?

Yes. CoverMyOrder declares full HPOS (High-Performance Order Storage) and Cart/Checkout Block compatibility before WooCommerce initialises.

Where is my data stored?

All data — plans, protections, claims, and reserve ledger entries — is stored in your own WordPress database. No claim, order, or customer data is ever sent to a third party.

Does this plugin use Freemius?

No. This free plugin does not bundle Freemius, or any other licensing or analytics SDK, and makes no connection to Freemius at all. The separate Premium add-on (not included in this download, and not distributed through WordPress.org) is sold through Freemius and discloses its own data practices independently.

Can I use CoverMyOrder on a WordPress Multisite network?

Yes. The plugin has no single-site assumptions and is compatible with multisite. Network-wide activation is supported.

How do I customise the badge appearance?

Go to CoverMyOrder Branding to choose between the 2 color theme presets. Badge title and description text are hardcoded in the free plugin. Developers can override any front-end template by copying it to themes/{your-theme}/covermyorder/ inside your active theme.

Do customers need an account to file a claim?

Yes. The claim portal integrates with WooCommerce My Account. Customers must be logged in to view their protected orders and submit a claim.

Where can I get support?

Use the support forum on WordPress.org for community support. Premium licence holders get priority support via covermyorder.com/support.

1.8.2

  • Added an affiliate-program link to the “Why upgrade” screen — the free plugin never loads Freemius, so this points out to the hosted application on covermyorder.com instead of an in-admin form.

1.8.1

  • Security: portal sign-in (order number + email) now throttles repeated failed attempts per IP — previously unlimited, making the order-id/email pair guessable against a known customer.
  • Security: “Shipping protection” in My Account now cross-checks the underlying WooCommerce order’s customer id instead of trusting the account’s (self-editable, unverified) email alone.
  • Security: an approved claim can no longer be set above the amount originally requested; a refund can no longer be issued above a claim’s approved amount.
  • Fix: the reserve-ledger debit for a refund now runs before the WooCommerce refund call, not after, so a transient failure rolls back cleanly instead of risking a duplicate refund on retry.
  • Fix: approve/deny/close decisions on a claim are now applied against a freshly locked read, closing a race where two concurrent decisions (e.g. a double-clicked Approve button) could both apply and fire conflicting notifications.
  • Fix: per-category pricing discount rules (percentage or flat) can now actually apply — a comparison bug meant only surcharges ever took effect.
  • Security: REST API idempotency keys are now scoped per caller, preventing one caller’s cached response from ever being replayed to a different caller reusing the same key.
  • Security: anonymous REST API callers no longer share a single site-wide rate-limit bucket per route — each client is now limited independently.

1.8.0

  • Version alignment with the Premium add-on’s 1.8.0 release (a redesign of its Plans admin screen — see the Premium add-on’s own changelog for details). No functional changes in the free plugin this release.

1.7.0

  • New: protection plans replace the old single opt-in-fee flag internally. Free still ships and enforces exactly one editable plan (name, flat fee, fixed coverage cap) at CoverMyOrder Plans — multiple tiers, percentage pricing, and coverage multipliers require the Premium add-on.
  • New: CoverMyOrder Branding screen — choose a color preset and edit the cart-toggle title, description, opt-in/opt-out labels, and thank-you copy. The trust badge itself is unchanged (still mandatory-on with a hardcoded title/description); full badge customization requires Premium.
  • New: category price-override pricing engine ships in free/core, but there is no free admin screen to configure it — Premium supplies the settings UI that turns it on.
  • New: GET /covermyorder/v1/plans and POST /covermyorder/v1/plans/quote public REST endpoints for headless integrations and the Cart/Checkout Block.
  • Changed: checkout now persists a plan_id instead of a boolean opt-in flag; existing orders and integrations that read the legacy flag continue to work.

1.1.0.2

Major release prepared for WordPress.org Plugin Directory submission. Recommended for all users.

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