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Is Route Package Protection Worth It? A Detailed Look At The Pros And Cons

The rise of online shopping has led to an increase in packages being stolen from doorsteps. This has left many wondering if route package protection plans offered by carriers are worth the extra cost.

If you’re short on time, here’s a quick answer: Route package protection can provide peace of mind against theft and damage, but may not be cost-effective depending on your location and how often you need packages delivered.

Compare plans carefully and use preventative measures like delivery alerts and video doorbells to maximize security.

In this comprehensive guide, we’ll take an in-depth look at route package protection to help you decide if it’s right for your needs.

What is Route Package Protection?

Route Package Protection is a service offered by shipping carriers such as UPS, FedEx, USPS, and others. It provides additional coverage for packages during transit, protecting them against theft, damage, and other unforeseen events.

This optional service is designed to give customers peace of mind and added financial security when shipping valuable items.


Definition and overview of route package protection plans offered by UPS, FedEx, USPS, etc.

Route Package Protection plans vary slightly between carriers, but they generally offer similar coverage options.

These plans typically cover theft, loss, or damage that occurs during the shipping process. They can be added to your shipment at the time of purchase or within a certain time frame afterward.

For example, UPS offers a service called UPS Shipping Insurance, which provides coverage for lost or damaged packages. FedEx offers a similar service called FedEx Declared Value, which allows customers to declare the value of their shipment and be reimbursed up to that amount in the event of loss or damage.

USPS also offers package insurance, allowing customers to add coverage for their valuable shipments. It is important to note that the coverage limits and terms may vary depending on the carrier and the specific plan selected.

Types of coverage including theft, damage, weather events

Route Package Protection typically covers a range of incidents that may occur during shipment. This can include theft, damage caused by mishandling, accidents, natural disasters, and even loss due to unforeseen circumstances.

For example, if your package is damaged in transit, the protection plan may cover the cost of repair or replacement. If your package is lost or stolen, the plan may reimburse you for the declared value of the package.

Some plans may also provide coverage for weather-related events, such as hurricanes or floods, depending on the carrier and the specific plan chosen.

Costs and fees associated with plans

The cost of Route Package Protection plans will vary depending on the carrier and the value of the package being shipped. Generally, the cost is a percentage of the declared value of the package.

It is important to carefully review the terms and conditions of the plan and consider the value of the package being shipped before deciding whether to purchase the additional coverage.

While the cost of Route Package Protection plans may add to the overall shipping expenses, it can be a worthwhile investment for valuable or fragile items.

It provides an added layer of protection and financial security, giving you peace of mind knowing that your package is covered in case of any unforeseen events.

Before purchasing a Route Package Protection plan, it is recommended to compare the coverage and costs offered by different carriers, as well as consider any limitations or exclusions that may apply.

Reading reviews and researching customer experiences can also help in making an informed decision.

The Pros of Route Package Protection

Reimbursement for stolen or damaged packages

One of the main advantages of having Route Package Protection is the reassurance that you will be reimbursed if your package gets stolen or damaged during transit.

This is especially important for valuable or fragile items that are more prone to theft or mishandling.

With Route Package Protection, you can rest easy knowing that you won’t be left empty-handed if something happens to your package.

Coverage for weather events like rain or heat damage

Another benefit of Route Package Protection is that it provides coverage for weather-related incidents that could potentially damage your package.

Whether it’s heavy rain, extreme heat, or any other weather condition, Route Package Protection ensures that you are compensated for any damage caused.

This is particularly useful if you live in an area prone to severe weather or if you are shipping to a location with unpredictable climate conditions.

Peace of mind knowing packages are insured

Having Route Package Protection offers peace of mind when it comes to shipping valuable items.

Knowing that your packages are insured against loss or damage can alleviate the stress and worry that often come with shipping valuable goods.

Whether you are a business owner shipping products to customers or an individual sending a gift to a loved one, having insurance coverage provides an added layer of protection.

packages are insured

The convenience of the claims process through the carrier

Route Package Protection also offers the convenience of a streamlined claims process through the carrier.

If something goes wrong with your package, you don’t have to deal with multiple customer service lines or lengthy paperwork.

Instead, you can file a claim directly with the carrier and have the issue resolved quickly and efficiently. This saves you time and hassle, allowing you to focus on other important matters.

The Cons of Route Package Protection

Added cost per package or monthly fees

One of the drawbacks of opting for Route Package Protection is the additional cost it adds to each package or the monthly fees associated with it.

While the peace of mind that comes with knowing your packages are protected can be valuable, it’s important to consider whether the added expense is worth it for your specific needs.

It may be worth comparing the cost of Route Package Protection against the value of the items you typically order and the likelihood of them being lost or damaged during transit.

May not cover all scenarios like misdelivery

Another drawback of Route Package Protection is that it may not cover all scenarios, such as mis-delivery.

While it can provide coverage for lost or damaged packages, it may not offer protection in cases where a package is delivered to the wrong address or if it is stolen after delivery.

It’s important to carefully review the terms and conditions of the protection plan to understand what situations are covered and what are not.

Claim limits and deductibles

Route Package Protection often comes with claim limits and deductibles that can impact the overall value of the coverage.

Claim limits refer to the maximum amount that can be reimbursed for a lost or damaged package, while deductibles are the out-of-pocket expenses you need to pay before the protection kicks in.

It’s important to understand these limitations and assess whether they align with the value of the items you typically order.

Availability is limited to certain carriers and plans

Not all carriers or shipping plans may offer Route Package Protection. This means that if you frequently use a carrier or shipping service that doesn’t provide this option, you may not be able to take advantage of the protection.

It’s essential to check with your preferred carrier or shipping service to see if they offer Route Package Protection and if it aligns with your needs.

While Route Package Protection can provide an added layer of security for your packages, it’s important to weigh the cons against the potential benefits.

Consider your shipping habits, the value of the items you typically order, and the likelihood of packages being lost or damaged.

Ultimately, the decision to opt for Route Package Protection should be based on your individual circumstances and risk tolerance.

Availability is limited

Factors to Consider When Deciding If It’s Worth It

Your location and risk of theft/damage

One of the key factors to consider when deciding if Route Package Protection is worth it is your location and the risk of theft or damage to your packages.

If you live in an area with a high rate of theft or if your packages are often exposed to potential damage during transit, then having package protection can provide peace of mind.

According to a report by the FBI, there were approximately 7 million property theft offenses in the United States in 2019. This statistic highlights the importance of considering your location and the potential risks involved in order to make an informed decision.

Frequency of packages delivered

Another important factor to consider is the frequency of packages being delivered to your address.

If you regularly receive multiple packages, then the chances of encountering issues such as theft or damage may be higher. 

In such cases, opting for Route Package Protection can provide added protection for your valuable items. On the other hand, if you rarely receive packages, you may not find it necessary to invest in package protection.

Type of items being shipped

The type of items being shipped also plays a role in determining whether Route Package Protection is worth it.

If you frequently ship valuable or fragile items, such as electronics or delicate artwork, then package protection can be highly beneficial. It can provide coverage for potential damage during transit or in case of any mishaps.

However, if you mostly ship inexpensive or non-fragile items, the added cost of package protection may not be necessary.

Cost of plan vs. value of items

When deciding on package protection, it is essential to consider the cost of the plan in relation to the value of the items being shipped.

If the cost of the protection plan is significantly higher than the value of the items, it may not be financially justifiable.

However, if the value of the items being shipped is substantial, it makes sense to invest in package protection to safeguard your investment.

Your budget and if the cost is manageable

Lastly, your personal budget plays a crucial role in determining if Route Package Protection is worth it for you.

Consider your financial situation and assess if the cost of the protection plan is manageable within your budget. If the additional cost of package protection is affordable and aligns with your priorities, then it may be worth it for the peace of mind it provides.

Tips To Protect Packages Without Insurance

Request signature or adult signature on delivery

One of the simplest ways to protect your packages is by requesting a signature or adult signature upon delivery. 

This ensures that someone is present to receive the package and reduces the risk of it being stolen from your doorstep.

By requiring a signature, you can have peace of mind knowing that your package has been safely delivered into the right hands.

Request signature

Use an Amazon Hub Locker for Amazon deliveries

If you frequently shop on Amazon, utilizing an Amazon Hub Locker can be a convenient and secure option.

These lockers are located in various locations, such as grocery stores or convenience stores, and allow you to have your package delivered directly to the locker.

You can then pick it up at a time that is convenient for you, eliminating the risk of it being left unattended on your doorstep.

Have packages delivered to your workplace

If you’re concerned about packages being stolen from your home, consider having them delivered to your workplace instead.

This way, you can ensure that someone is available to receive the package during business hours.

Just be sure to check with your employer and follow any policies they may have regarding personal deliveries.

Use video doorbells and delivery alerts

Investing in a video doorbell or a security camera can provide an extra layer of protection for your packages.

These devices allow you to monitor your doorstep and receive real-time notifications when a delivery is made.

Additionally, some delivery services offer alerts that notify you when your package is out for delivery or has been delivered, giving you the opportunity to retrieve it promptly.

Provide delivery instructions to hide packages

When placing an order, many online retailers provide an option to include delivery instructions.

You can request that packages be left in a specific location that is less visible to potential thieves, such as behind a gate or on a side porch.

However, it’s important to note that not all delivery drivers may follow these instructions, so it’s best to weigh the risks and benefits of this option.

By implementing these tips, you can help protect your packages without the need for additional insurance.

Remember, it’s essential to stay informed about the latest security measures and adapt your strategies accordingly to ensure the safe delivery of your online purchases.


Route package protection provides valuable coverage against theft and damage but comes at an added cost.

Take into account your specific needs and risk factors to decide if it’s worth investing in.

If opting out of insurance, be vigilant about retrieving packages quickly after delivery. Implement preventative measures like delivery alerts and concealed drop-off spots to maximize security.

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