Track coverage

Tracking coverage across all supported chains is easier than ever with OpenCover's API. Provide users with essential information about their protection, including:

• Active coverage for specific products and asset combinations;

• Cover purchase history;

• Expiry notifications.

Endpoint

GET https://opencover.com/api/quotes?ownerAddress=0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045

Refer to the OpenCover API reference for the full specification, error handling, and further examples.

API reference

Response

The response includes a list of quotes and their current status in the quoteStatus field:

• QUOTE_AWAITING_SETTLEMENT The quote has been submitted, awaiting settlement by OpenCover.

• COVER_ACTIVE Coverage is active and protection is live.

• COVER_EXPIRED The coverage period has ended.

• QUOTE_EXPIRED The quote was not settled within 24 hours, refund is available.

• QUOTE_REFUNDED The premium payment was returned to the payer.

For more details on the possible statuses please see the Quote lifecycle page.

The example API response below shows 3 quotes in various states:

1. Pending 60-day vfat cover for 1,900 USDC

2. Active 30-day ExtraFi cover for 27,500 USDC

3. Expired 30-day ExtraFi cover for 47,000 USDC

{
  "quotes": [
    {
      "quoteId": 1557,
      "chainId": 8453,
      "product": {
        "id": 269,
        "name": "vfat"
      },
      "coverAsset": {
        "symbol": "USDC",
        "decimals": 6
      },
      "coverAmount": "1900000000",
      "paymentAsset": {
        "symbol": "USDC",
        "decimals": 6
      },
      "premiumAmount": "15718677",
      "feeAmount": "0",
      "coverExpiry": 60,
      "ownerAddress": "0x0C000F9e42D0bbcAA455651e7049a7D8EFE7E31D",
      "payerAddress": "0x0C000F9e42D0bbcAA455651e7049a7D8EFE7E31D",
      "integratorId": 4,
      "submittedAt": "2025-05-20T13:08:55.000Z",
      "quoteStatus": "QUOTE_AWAITING_SETTLEMENT",
      "settledAt": null,
      "coverExpiresAt": null
    },
    {
      "quoteId": 1523,
      "chainId": 8453,
      "product": {
        "id": 182,
        "name": "ExtraFi"
      },
      "coverAsset": {
        "symbol": "USDC",
        "decimals": 6
      },
      "coverAmount": "27500000000",
      "paymentAsset": {
        "symbol": "ETH",
        "decimals": 18
      },
      "premiumAmount": "21527191569447081",
      "feeAmount": "0",
      "coverExpiry": 30,
      "ownerAddress": "0x0C000F9e42D0bbcAA455651e7049a7D8EFE7E31D",
      "payerAddress": "0x0C000F9e42D0bbcAA455651e7049a7D8EFE7E31D",
      "integratorId": 0,
      "submittedAt": "2025-05-12T22:45:43.000Z",
      "quoteStatus": "COVER_ACTIVE",
      "settledAt": "2025-05-13T21:04:19.000Z",
      "coverExpiresAt": "2025-06-12T21:04:08.000Z"
    },
    {
      "quoteId": 850,
      "chainId": 8453,
      "product": {
        "id": 182,
        "name": "ExtraFi"
      },
      "coverAsset": {
        "symbol": "USDC",
        "decimals": 6
      },
      "coverAmount": "47000000000",
      "paymentAsset": {
        "symbol": "USDC",
        "decimals": 6
      },
      "premiumAmount": "199808481",
      "feeAmount": "0",
      "coverExpiry": 30,
      "ownerAddress": "0x0C000F9e42D0bbcAA455651e7049a7D8EFE7E31D",
      "payerAddress": "0x0C000F9e42D0bbcAA455651e7049a7D8EFE7E31D",
      "integratorId": 0,
      "submittedAt": "2024-10-20T18:29:01.000Z",
      "quoteStatus": "COVER_EXPIRED",
      "settledAt": "2024-10-21T19:39:09.000Z",
      "coverExpiresAt": "2024-11-20T19:39:01.000Z"
    }
  ]
}

Examples

The examples below show simple implementations to answer the most common questions related to coverage purchased through a native integration.

Get multi-chain cover history

const INTEGRATOR_ID = 0; // Unique integrator ID assigned by OpenCover.

const quotes = [/* ... */]; // API response.

const integratorQuotes = quotes
    // Filter quotes only showing coverage purchased via integrator.
    .filter((quote) => quote.integratorId === INTEGRATOR_ID);

console.log('Cover history', integratorQuotes);

Get active USDC cover amount

Filtering on quoteStatus allows for displaying only active covers. Combine this with product and/or integrator filters to refine the data shown to users.

import { formatUnits } from 'viem';

const INTEGRATOR_ID = 0; // Unique integrator ID assigned by OpenCover.
const PRODUCT_ID = 269;  // See supported Products under Resources.

const quotes = [/* ... */]; // API response.

const activeCoverAmount = quotes
    // Filter for active, USDC-denominated covers for the given product
    // purchased via the integrator.
    .filter((quote) => quote.quoteStatus === 'COVER_ACTIVE' && 
                       quote.product.id === PRODUCT_ID &&
                       quote.integratorId === INTEGRATOR_ID &&
                       quote.coverAsset.symbol === 'USDC')
    // Sum active cover amount for all matching covers.
    .reduce((sum, quote) => sum + BigInt(quote.coverAmount), 0n);

// Format amount using `formatUnits` from `viem`.
console.log('Active USDC cover amount', formatUnits(activeCoverAmount, 6));

The next step illustrates how your users could subscribe to notifications related to their purchased cover.