Questions, answered.

Flex Embedded builds insurance and warranty products that live inside the checkouts of ecommerce stores. Carriers handle underwriting and claims; we handle the catalog classification, real-time pricing, and integration. Retailers earn a portion of the marketing fee on every plan sold.

The founding team has been building embedded insurance programs since 2007 — originally for major airlines, cruise lines, and online travel platforms, collectively writing over $1.4 billion in gross written premium before bringing the model to ecommerce.

Two products today: PetRx by Flex (a free pet prescription savings card with a path to pet insurance from Healthy Paws) and FlexProtect (warranty insurance underwritten by AIG, embedded as an optional protection plan at checkout). Stores can run one or both.

Free. There is no setup fee, no subscription, and no engineering required. Install the app from the Shopify App Store, pick the products you want to offer, and you're live. Retailers earn a portion of the marketing fee on every plan sold.

About a minute. The app installs from the Shopify App Store in one click, automatically classifies your catalog into supported categories, and starts pricing protection in real time. No code changes, no theme rebuild.

Yes. Flex products render alongside or inside your existing checkout flow without changing your theme. They appear as quiet, on-brand elements rather than a takeover.

No. Carriers handle servicing and claims directly with the customer. Your support team doesn't get the calls, and you don't carry insurance liability.

It depends on your category mix, average order value, and attach rate. Retailers earn a portion of the marketing fee on every plan sold. Book a demo and we'll model expected economics for your specific catalog.

Yes. FlexProtect issues a real certificate of insurance underwritten by AIG, one of the largest insurance carriers in the United States. It is not a service contract or extended warranty — it is regulated insurance with a real claims team.

Accidental damage and mechanical or electronic malfunction across 41 product categories. Coverage details and exclusions are spelled out in the certificate of insurance issued at the time of purchase. Plans range from one to three years.

Claims are filed directly with the carrier through the FlexProtect portal. Real human reviewers handle each claim — most file in minutes rather than hours, with no chatbot deflection.

Yes. The PetRx Savings Card is free with any order at a participating store. There are no fees, no expiration date, and no commitment. The card stays valid for life and can save up to 80% on eligible pet medications at 80,000+ pharmacies including CVS, Walmart, Walgreens, Kroger, and Safeway.

The PetRx Savings Card is a free prescription discount card — not insurance — that reduces the price of eligible pet medications at the pharmacy counter. Customers who activate the card at petrxbyflex.com can also see an optional pet insurance quote from Healthy Paws.

Shopify today via the Shopify App Store, with custom integrations available for larger retailers on other platforms. Talk to us if you're on a custom or headless stack.

FlexProtect policies issue in milliseconds — the certificate of insurance lands before the order confirmation email reaches the customer's inbox.

We auto-classify your catalog into the 41 supported FlexProtect categories at install and re-classify on an ongoing basis as new products are added. Pricing is calculated in real time, sensitive to the actual product cost. No manual mapping is required.