Clear expectations. From the start.
Cross Coverage is currently a sandbox product for business onboarding and delivery protection integration testing.
No live insurance or coverage is issued
Creating an account, submitting a test order, viewing the checkout preview, or reporting a sandbox delivery issue does not create an insurance policy or a promise of reimbursement. Sample prices and amounts are illustrations. No premium or membership payment is collected by this release.
Bank setup and payment instructions
Saving bank details does not verify an account, authorize a debit, initiate a payout, or activate coverage. Shared ACH instructions let reviewed clients arrange payment through their own bank against an actual invoice. Automatic processing and payment reconciliation are not available in this release.
Approved agreements come first
Any live product will require an approved merchant agreement and the appropriate product, underwriting, licensing, territory, and compliance decisions. The agreement will define eligibility, exclusions, limits, pricing, claim windows, recurring-purchase rules, and settlement obligations. Draft documents cannot be accepted.
Recurring purchases and purchase frequency
The platform records whether a purchase is one-time or recurring. The final commercial model for purchase-frequency protection has not yet been activated. Subscription coverage, automatic renewals, frequency-based pricing, and underwriting are not offered by this sandbox.
Medication replacement
A delivery issue report does not authorize a medication refill, replacement, or dispense. A licensed dispensing provider must handle those decisions under its own requirements. Cross Coverage does not provide medical advice or health insurance.
Sandbox use
Use synthetic records only. Keep API keys on your server, use your own account, and do not submit personal health information. Reach out to your Cross Coverage account representative before connecting production order data.