Protection Plans

Shipping Protection covers packages that are lost, damaged, delayed, or misdelivered during transit — including partial loss, porch piracy, and carrier delivery errors.

A package is considered lost if logistics tracking shows no delivery and it hasn't arrived within 30 days of shipment (domestic) or 60 days of shipment (international). If your shipment exceeds these timeframes, you are eligible to submit a claim for a full refund or replacement.

If your order has not been shipped, please contact us to request a refund for the shipping protection.
If your order has already been shipped, the shipping protection cannot be canceled.

The plan covers accidental damage (such as dropping, cracking or spilling liquid on Your Covered Products) from the
day you purchased the plan. The plan also covers mechanical and electrical breakdowns or malformations to Your
Covered Product that occurs after the manufacturer's warranty has expired.

ADH and Power Surge coverage begins on the date your order is marked as shipped. Coverage for mechanical/electrical failure begins after your manufacturer's warranty expires.

Example: If you purchase a 3-year Product Protection plan for a product with a 1-year manufacturer's warranty:Year 1: ADH + Power Surge coverage is active (mechanical/electrical failures are handled under your manufacturer's warranty)
Year 2–3: ADH + Power Surge coverage continues, and mechanical/electrical failure coverage also becomes active, since your manufacturer's warranty has expired

To file a claim, log into our claims portal at sp.xcottons.com/parcel#/productProtection/protection-login, or email our support team at support@xcottons.com. The Administrator will help evaluate the issue and provide You with instructions for filing a claim. Customer service agents will be available to answer Your calls between the hours of 09:00 and 18:00. After business hours and during the weekends, You may also leave a voice message describing Your claim, which We will respond to within 24 hours under normal circumstances.
We reserve the right to inspect the Covered Product upon receipt or at the time of Service. We may request information such as the make and model of the Covered Product, serial number, or original purchase date of the Covered Product.
Please note that the Administrator must authorize any reimbursements to be eligible for coverage. We may deny any claims or decline to reimburse You for any Covered Breakdowns where You fail to follow this Plan’s claims procedures or to receive the Administrator’s prior approval.
All claims must be reported within thirty (30) days from the Covered Breakdown and prior to the Plan’s expiration to be eligible for coverage.

Yes, you can cancel anytime during your coverage period.
Within 60 days of purchase, no claims filed: 100% refund.
Within 60 days of purchase, with claims filed: refund = plan price minus amount already paid out.
After 60 days of purchase: refund is prorated based on remaining coverage days, minus any claims paid, minus an administrative fee (varies by state, capped at $50).

You'll receive an initial response within 24 hours of filing. Once all required documentation is submitted, payment or reshipment is completed within 2 business days.