# Product Overview

XCover Journeys (XCJ) is a Cover Genius-hosted insurance purchase experience that partners embed in their websites or mobile apps. Cover Genius owns the page, layout, flow, payment, and booking. No frontend code to build, deploy, or maintain.

{% hint style="info" %}
If you already use the XCover API, XCJ complements it. XCJ handles the insurance purchase journey; the XCover API continues to handle booking management, cancellations, and other policy lifecycle operations.
{% endhint %}

### How it works

Cover Genius hosts each journey at a URL unique to your integration. You embed this URL in your platform — as an **iframe** on web or in a **WebView** on mobile. Both methods use the same journey URL. No SDKs or client-side libraries are required.

The journey guides customers through product selection, personal details, pricing, payment, and confirmation — all without leaving your site.

#### Journey flow

The exact steps vary by partner and product, but a typical journey follows this sequence:

```
Customer Details  →  Offers  →  Quote Estimate  →  Payment  →  Confirmation
```

1. **Customer Details** — Customer provides or confirms personal information and details relevant to their coverage.
2. **Offers** — Customer reviews coverage options and selects a product.
3. **Quote Estimate** — Customer reviews premium breakdown, taxes, and total.
4. **Payment** — Customer enters payment details. Payment is managed entirely by Cover Genius.
5. **Confirmation** — Booking is confirmed. Customer sees a summary with next steps.

### What Cover Genius manages

* **Payment processing** — Payments are handled within the journey. Partners do not interact with payment infrastructure directly.
* **Experimentation** — A/B testing is built in. Cover Genius runs experiments on content, layout, and flow to optimize conversion — no partner involvement required.
* **Content management** — All UI copy (labels, messages, disclaimers) is managed by Cover Genius and can be updated without a code release.
* **Monitoring** — Cover Genius monitors journey health, error rates, and performance.


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