diff --git a/apps/api/app/api/routes/generation_cover.py b/apps/api/app/api/routes/generation_cover.py
index 540aaefd2..3d5a5a72d 100644
--- a/apps/api/app/api/routes/generation_cover.py
+++ b/apps/api/app/api/routes/generation_cover.py
@@ -15,6 +15,7 @@ from typing import Any, Optional
 from urllib.parse import urlparse
 
 from app.auth import AuthenticatedUser, get_current_user
+from packages.middleware.points_gate import points_gate
 from app.dependencies import get_db_session, get_generated_video_repository
 from app.services.edit_plan_service import EditPlanService
 from app.services.edit_template_service import EditTemplateService
@@ -331,6 +332,7 @@ def _is_trusted_media_url(url: str) -> bool:
 
 
 @router.post("/generate-cover", response_model=GenerateCoverResponse)
+@points_gate("ai_cover")
 def generate_cover(
     body: GenerateCoverRequest,
     template_id: str = Query(..., description="模板 ID"),
diff --git a/tests/unit/test_generation_cover.py b/tests/unit/test_generation_cover.py
index 96f5c260f..dfecca6d7 100644
--- a/tests/unit/test_generation_cover.py
+++ b/tests/unit/test_generation_cover.py
@@ -5,6 +5,16 @@ from __future__ import annotations
 import pytest
 from pydantic import ValidationError
 
+import packages.middleware.points_gate as _pg_module
+
+
+@pytest.fixture(autouse=True)
+def _disable_points_gate(monkeypatch):
+    """默认关闭积分闸门，避免影响既有用例。"""
+    monkeypatch.setattr(_pg_module, "_points_gate_enabled", lambda: False)
+    yield
+
+
 
 def test_generation_cover_router_importable():
     """新路由模块可以正确导入"""
diff --git a/tests/unit/test_generation_cover_points.py b/tests/unit/test_generation_cover_points.py
new file mode 100644
index 000000000..34a8d9c2b
--- /dev/null
+++ b/tests/unit/test_generation_cover_points.py
@@ -0,0 +1,25 @@
+"""AI封面生成 积分扣点单元测试 (#1895 P2 step 2.7)"""
+from __future__ import annotations
+
+from unittest.mock import MagicMock, patch
+
+import pytest
+
+import packages.middleware.points_gate as _pg_module
+
+
+@pytest.fixture(autouse=True)
+def _enable(monkeypatch):
+    monkeypatch.setattr(_pg_module, "_points_gate_enabled", lambda: True)
+    yield
+
+
+class TestGenerationCoverPoints:
+    def test_ai_cover_cost(self):
+        from packages.domain.points_rules import calculate_points_cost
+        assert calculate_points_cost("ai_cover", is_member=False) == 2
+        assert calculate_points_cost("ai_cover", is_member=True, member_type="yearly") >= 0
+
+    def test_decorator_attached(self):
+        from app.api.routes.generation_cover import generate_cover
+        assert hasattr(generate_cover, "__wrapped__"), "missing @points_gate"