# How is my claim payout calculated?

If your claim is approved by XCover (via Cover Genius Insurance Services LLC), their team will determine the correct payout amount, given a number of circumstances, including your coverage maximums as well as fees related to your purchase.
The fees **not covered by your protections** in any circumstances include:
1. Government fees
1. Credit card fees
1. International money transfer fees
These charges are beyond our control and are not initially included in the claim payment breakdown.