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 and travel platforms, then expanding into ticketing and live-event brands. Collectively the team's programs have written 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 PetRx by Flex or FlexProtect from the Shopify App Store and you're live. Retailers earn a portion of the marketing fee on every plan sold or insurance conversion.

About a minute. Each app installs from the Shopify App Store in one click. No code changes, no theme rebuild. FlexProtect auto-classifies your catalog on install; PetRx by Flex starts adding the free savings card to every order right away.

Yes. Both apps 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 — AIG for FlexProtect, Healthy Paws for pet insurance. Your support team doesn't get the calls, and you don't carry insurance liability.

Any Shopify store whose customers own pets — pet food and supply stores, groomers, boarding, vet clinics, and animal-adjacent lifestyle brands. If your customer has a dog or cat, they can use a free savings card that cuts up to 70% off pet prescriptions at 80,000+ pharmacies including CVS, Walmart, Walgreens, Kroger, and Safeway.

A free PetRx Savings Card is added to every order — visible in the cart and on the receipt with no charge and no opt-in friction. Activation routes the customer to petrxbyflex.com, where they can also see an optional Healthy Paws pet insurance quote.

When a customer who received a card converts to a Healthy Paws pet insurance policy, a portion of the marketing fee flows back to your store. The savings card itself is always free to your customer — the revenue comes from downstream insurance conversion.

Shopify stores selling physical goods worth protecting — electronics, bikes, appliances, tools, home audio, furniture, and 30+ other categories. If your product has meaningful replacement cost, an embedded protection plan gives customers peace of mind and gives your store a new revenue line.

Flex's proprietary classification engine auto-maps your catalog into the 41 supported FlexProtect categories at install and re-classifies as you add new products. Pricing is calculated in real time, sensitive to the actual product cost. No manual mapping is required.

A marketing fee flows back to your store on every protection plan sold at checkout. Attach rate, category mix, and average order value drive expected economics — book a demo and we'll model it against 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 70% 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.