Fiber-reinforced-polymer (FRP) composite materials applied according to the near-surface-mounted (NSM) technique are very effective for the flexural strengthening of reinforced-concrete (RC) structures. However, the flexural strengthening effectiveness of this NSM technique is sometimes compromised by end concrete cover separation (CCS) failure, which is a premature failure before occurring the conventional flexural failure modes. Due to the complexity of this failure mode, no analytical approach, with a design framework for its accurate prediction, was published despite the available experimental results on this premature failure. In the present study, a novel simplified analytical approach is developed based on a closed form solution for an almost accurate prediction of CCS failure in RC structures strengthened in flexure with NSM FRP reinforcement. After demonstrating the good predictive performance of the proposed model, it was used for executing parametric studies in order to evaluate the influence of the material properties and FRP strengthening configuration on the susceptibility of occurring the CCS failure. At the end, regarding to the FRP strengthening configuration, some design recommendations were proposed to maximize the resistance of NSM FRP strengthened structures to the susceptibility of occurring the CCS failure.