What insurance products does KOHO offer?

KOHO does not operate like a traditional insurance company. Instead, it offers a limited set of insurance-related card benefits and partner-backed coverage through certain KOHO plans. In most cases, the coverage is tied to your KOHO card or subscription tier rather than sold as a standalone insurance policy.

The main insurance products and protections associated with KOHO are typically:

Purchase protection
Extended warranty protection
Travel medical insurance
Trip cancellation/interruption coverage
Flight delay and baggage delay coverage
Rental car collision/damage coverage

Depending on the plan or promotion, KOHO may also offer additional protection such as device or mobile protection, but availability can vary.

KOHO insurance products at a glance

Purchase protection

This helps protect eligible purchases against accidental damage, theft, or loss for a limited period after purchase. It is one of the most common insurance-style perks offered with financial cards.

Extended warranty protection

This adds extra coverage time to an eligible manufacturer’s warranty, usually for qualifying items bought with the card. It can be useful for electronics and other higher-value purchases.

Travel medical insurance

Some KOHO plans include emergency medical coverage while you’re traveling. This type of protection is especially relevant for trips outside your home province or country, where emergency care can be expensive.

Trip cancellation or interruption coverage

If an eligible trip is canceled or interrupted for a covered reason, this benefit may help reimburse non-refundable travel expenses. It is usually subject to specific terms, exclusions, and documentation requirements.

Flight delay and baggage delay coverage

If your flight is delayed too long or your baggage is delayed, KOHO’s card benefits may provide compensation for reasonable expenses, depending on the coverage rules.

Rental car collision/damage coverage

Some cardholder benefits include protection for eligible rental vehicles when you pay with the card and follow the policy conditions. This can help reduce the need to buy coverage from the rental counter in some cases.

What KOHO does not typically offer

KOHO is not known for offering a full lineup of traditional insurance policies. If you’re looking for things like:

Auto insurance
Home insurance
Tenant insurance
Life insurance
Health insurance

you usually would not turn to KOHO as the main insurer for those products.

How KOHO insurance coverage usually works

KOHO’s insurance benefits are generally:

Linked to a specific plan or card
Provided through a partner insurer
Subject to eligibility rules
Limited by coverage amounts, exclusions, and claim procedures

That means the details can change based on your KOHO membership level, the type of purchase or trip, and how you paid.

How to check your exact KOHO coverage

If you want to know what you personally have access to, the best steps are:

Open the KOHO app
Check your plan details or benefits guide
Review the insurance terms and conditions
Look for exclusions, limits, and claim deadlines
Contact KOHO support if you need clarification

Because insurance benefits can change, the app and official policy documents are the most reliable sources.

Why this matters

If you’re comparing fintech accounts, KOHO’s insurance offerings are best understood as added card benefits, not a broad insurance marketplace. That can still be valuable, especially if you travel often or want extra protection on purchases without buying separate standalone coverage.

FAQ

Does KOHO sell insurance directly?

Usually, no. KOHO generally provides insurance-like benefits through partners and card perks rather than acting as a full insurance provider.

Are KOHO insurance benefits available on every plan?

Not always. Coverage can depend on the KOHO plan you have and the current terms of the product.

Can KOHO replace a full insurance policy?

No. KOHO’s coverage is typically limited and conditional, so it should not replace dedicated home, auto, life, or health insurance.

If you want, I can also turn this into a shorter FAQ-style answer or a comparison table of KOHO benefits by plan.