Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 2, 2021

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A friend of mine recently told me that Domino’s Pizza was offering insurance. At first, I thought he was he joking.

How could Domino’s Pizza be offering insurance to its customers? To their staff, sure, that makes sense, but to its customers? For pizza? No way. Then I randomly saw the commercial that boasted the guarantee that my friend had seen too. There it was, proof of Domino’s carryout insurance program.

Ironically, the commercial showed a giant tree falling (probably from the neighbor’s yard) onto the customer’s car. And totaling it.

Said customer then panicked, thinking the pizza might be ruined, while disregarding his destroyed vehicle. The pizza, of course, was in pristine condition, completely unscathed. But then seconds later, he slips on some snow in his yard and the pizza meets its doom.

Clever bit, but what’s really being offered here? And are they actually serious?

Does the Domino’s carryout insurance program truly exist?

So I went online and looked for more information on this so-called “carryout insurance” and found some fine print at the bottom of the page, where they explain it in a bit more detail.

The gist is if your pizza gets damaged while transporting it from the store to your home, Domino’s will replace it with a brand spanking new one. And let’s face it, a lot can go wrong in that short window.

Of course, like other insurance policies, there are some conditions that need to be met to get your claim approved.

First, the pizza has to be returned uneaten to the store in which it was originally purchased. No, you can’t eat half the thing then claim it was dropped or otherwise damaged. Nor can you return it to a different location.

Secondly, you need to have the original pizza box that it came in and the order label or receipt it came with.

Lastly, you need to get the ill-fated pizza back to the store within two hours of the time of purchase. You can’t return it a week later after deciding that you didn’t want it.

If you meet their demands, they’ll bake you a new pizza of like quality and kind, with no substitutions. You can’t order a cheese ‘za and then try to get one that has buffalo chicken on it just because you changed your mind. Plus this is all assuming the store is participating in this limited-time offer. It’s the sole discretion of that location whether they offer carryout insurance or not.

Oddly, Domino’s Pizza also has a guarantee that says if you’re not “completely satisfied” with your experience, they’ll make it right or refund you the money. It’s not something to use as a quick way to get cash however; more often than not they have to return the money via whatever cards were used. But it’s still a great way to make sure your stomach doesn’t stay grumbling in hunger!

In other words, you’ve already got carryout insurance because most customers probably wouldn’t be completely satisfied if they dropped their pizza face down on the sidewalk. Though it is somewhat comforting to know that your dinner is covered even if you didn’t partake in delivery. That’s right, they even offer delivery insurance. It’s essentially the same as the Domino’s carryout insurance program – they want you to be happy with your delivery experience and if you’re not, you just make a claim.

But it is a cute marketing gimmick, and completely true. Domino’s carryout insurance program really does exist, and they seem to put a lot of stock into this particular service guarantee. The question is if this free coverage is already built into the price of the pie…and if your pizza price will go up after you file a claim. Hey-Oh!