Insurance & Claims
Insurance fees refunded upon delivery — protection without risk
At SmartMailing Service, we believe that protecting your shipment should never feel like a gamble. That is why every package we carry is backed by our unique refundable insurance program. Unlike traditional carriers that charge non-refundable insurance fees and leave you hoping nothing goes wrong, we return your insurance fee to you as soon as your package is delivered successfully. This means you get all the protection you need while you ship, and your money back when the job is done right.
Insurance Fee Refunded Upon Delivery
Pay only for shipping. Once your package is delivered safely, the insurance fee goes straight back to you — automatically.
How Our Refundable Insurance Works
When you ship with SmartMailing Service, you will see an optional insurance upgrade at checkout. This upgrade allows you to declare a higher value for your shipment and protect it against loss, damage, theft, or significant delay. The fee for this upgrade is clearly displayed upfront, with no hidden charges. Once your shipment reaches its destination and the delivery is confirmed, that fee is automatically refunded to your original payment method within 5 to 7 business days.
In the rare event that something goes wrong, you can file a claim. If the claim is approved, the insurance fee is waived entirely, and you receive the full insured value or a replacement. You are never left paying for protection that did not protect you. This is the foundation of our customer-first approach: we only keep the insurance fee when your shipment is delivered exactly as promised.
Ship with Coverage
Add optional value protection at checkout. Basic coverage is already included for free.
Pay the Fee
The insurance fee is shown clearly. No surprise charges at any stage.
Get It Back on Delivery
Once delivered safely, the fee is refunded automatically within 5-7 business days.
What Is Covered
Every shipment handled by SmartMailing Service includes automatic liability coverage at no extra cost. This basic coverage protects against carrier negligence, including loss, misdelivery, and major damage caused during handling. For customers who want extra peace of mind, our upgraded coverage extends protection to theft, minor damage, declared-value items, and shipments delayed beyond the guaranteed service window.
Our coverage is designed for real-world shipping. Whether you are sending a small gift, business documents, electronics, or high-value merchandise, we have a protection level that matches your needs. The upgraded fee is always refunded upon delivery, so the extra protection costs you nothing if your shipment arrives safely.
Coverage Options
- Loss coverage: Full protection if your package cannot be located.
- Damage coverage: Repair or replacement for items damaged in transit.
- Theft protection: Coverage for packages stolen after confirmed carrier possession.
- Declared value coverage: Insure items up to their full purchase price.
- Fragile item protection: Extra handling and coverage for delicate goods.
- Delay protection: Shipping cost refund if we miss the guaranteed window.
Refund Policy for Insurance Fees
Our refund policy is simple and unconditional. If your shipment is delivered successfully and no claim is filed, your insurance fee is refunded. The refund is processed automatically and returned to the payment method used at checkout. You do not need to request it or fill out any forms. The refund typically appears on your statement within 5 to 7 business days after delivery confirmation.
If you choose to file a claim, the insurance fee is not charged at all. The fee is removed from your total, and you receive the full insured value or a replacement item. This ensures that you never pay for protection when you actually needed it. We believe this is the fairest approach to shipping insurance in the industry.
There are no hidden processing fees, no service charges, and no restocking fees on insurance refunds. The amount you see at checkout is exactly what you get back. This transparency is part of our commitment to building long-term trust with every customer, from first-time senders to large business accounts.
Key Refund Promise
Every insurance fee is refunded upon delivery. If your shipment arrives safely, you get your money back. If something goes wrong, the fee is waived and your claim is paid. You never lose money on insurance with SmartMailing Service.
How to File a Claim
Filing a claim with SmartMailing Service is straightforward. Our goal is to resolve every issue quickly and fairly. If you experience a lost, damaged, or significantly delayed shipment, contact our support team as soon as possible. We accept claims by phone, email, or live chat, and our team is available 24 hours a day, 7 days a week.
When you contact us, please have your tracking number ready. Photos of the package, the damaged item, and the original receipt help us process your claim faster. Once we receive your information, our claims team will review the case within 48 hours. If we need additional documentation, we will reach out directly. Approved claims are paid within 5 to 7 business days.
Claims Process
1. Gather Documentation
Collect your tracking number, photos of any damage, invoice or receipt, and proof of value.
2. Contact Support
Reach out by email, phone, or live chat. Our claims team is available 24/7 to assist you.
3. Investigation
Our claims team reviews your case within 48 hours and may contact you for additional details.
4. Resolution
Once approved, compensation is issued within 5-7 business days via your original payment method or account credit.
Frequently Asked Questions
Do I pay an insurance fee for every shipment?+
No. Basic liability coverage is included automatically on every shipment at no extra cost. If you choose to upgrade to full-value coverage, a small insurance fee may apply. That fee is refunded back to you once the package is delivered successfully.
When is the insurance fee refunded?+
The insurance fee is refunded upon delivery. As soon as the package is delivered and no claim is filed, the fee is automatically returned to your original payment method within 5-7 business days.
What if a claim is filed?+
If you file a claim and it is approved, the insurance fee is waived and included in your total refund or replacement value. You are never charged an insurance fee for a shipment that had a problem.
How long do I have to file a claim?+
Claims must be submitted within 30 days of delivery or the expected delivery date. We recommend reporting any issue as soon as possible so we can resolve it quickly.
Is there a deductible?+
No. SmartMailing Service does not charge deductibles on standard insurance claims. The coverage amount you select is the amount you receive if the claim is approved.
Can I upgrade coverage for high-value items?+
Yes. At checkout, you can declare the full value of your shipment and upgrade coverage. The upgraded fee is also refunded upon delivery.
Why SmartMailing Insurance Is Different
Most shipping carriers treat insurance as a final sale. They collect the fee whether your package arrives safely or not, and if you need to file a claim, the process can be slow, complicated, and filled with exclusions. SmartMailing Service was built on a different idea: insurance should protect the customer, not generate extra profit from every shipment.
By refunding the insurance fee upon delivery, we align our interests with yours. We are motivated to deliver every package safely and on time because that is the only way we keep the fee. This creates a stronger delivery network, better handling procedures, and faster issue resolution when problems occur. It also gives you complete confidence that you are not paying for something you did not need.
Our transparent pricing, fast claims response, and automatic refunds set a new standard for shipping protection. Whether you are a small business shipping hundreds of orders per month or an individual sending a single important package, you deserve an insurance experience that is fair, fast, and fully refundable.
Need Help with a Claim?
Our support team is available 24/7. Contact us by phone or email and we will guide you through every step.