Generative AI made convincing fake claims free and instant. Flagr is the deterministic + AI fraud platform built exclusively for travel insurance — three engines, one pipeline, a defensible verdict on every claim in under five minutes. On any claims system.
More travelers, bigger payouts, and a sector fraudsters target more than almost any other. The opening for fraud has never been wider.
A fake medical record or a fabricated receipt used to take skill and time. Now it takes a free tool and thirty seconds — and the human eye can't tell the difference.
Insurers lose $308.6B a year to fraud in the U.S. alone — and travel is the most exposed, least defended line of all.
Most fraud tools run one model and hand you a probability. Flagr runs three independent systems on every claim — then adds something no model can do: it checks the facts against reality.
Multimodal models read every document a claim carries — receipts, invoices, booking confirmations, itineraries, and medical records — and catch fabrication through metadata, font, and image forensics, not just the text on the page.
Velocity scoring flags serial claimants. Ring detection across six entities surfaces coordinated networks no single claim review could ever see.
Certainty, not probability. While AI reads a document, this engine checks the facts against authoritative data. You can fool a model — you can't fake what a supplier actually charged.
A fabricated receipt with a 19% Airbnb service fee sails past every fraud model in production — the AI has no idea what Airbnb actually charges. Flagr's deterministic engine catches it with code, and every step is written to a decision trace your adjusters and a regulator can read.
An eight-phase pipeline runs more than twenty analytical modules on every claim — then routes it cleanly to one of four outcomes, with a full audit trail attached.
FNOL classified, documents read, EHR and consumer-tool fingerprints checked.
Policy terms verified; receipts and supplier facts validated against authoritative data.
Sanctions and identity screening; NPI and provider checks against live registries.
Ring and velocity signals weighted, composite score set, claim routed with its evidence.
Clean claims clear straight through — no adjuster touch, no delay.
Missing or weak evidence is flagged with a specific request list.
High-risk claims routed to investigation with the full evidence chain.
Genuinely ambiguous cases go to an adjuster — with context, not a black box.
Flagr gives claims and SIU teams the one thing fraud tools never have: an answer they can act on, and defend.
Auto-approve clean claims and send only the risky ones to people — handle more volume with the same team.
Catch fabricated receipts, forged medical records, and serial claimants before a dollar goes out the door.
Every score comes with a plain-English decision trace — so adjusters trust it and disputes hold up.
Honest claims clear in minutes instead of days — better outcomes for the customers you want to keep.
Flagr plugs into Guidewire, Duck Creek or any specialty admin platform via REST API — or runs the whole fraud operation for teams without one.
Cut leakage and free your SIU team without touching your CMS. Flagr rides on top, non-disruptively.
No core system? Flagr runs the entire fraud and adjudication operation end to end, out of the box.
Give your carrier clients a fraud layer they can defend — every decision traced, every flag explained.
See fraud signal across cedents and portfolios no single carrier can — and price risk with eyes open.
Travel is the wedge. The platform is the company. One engine, ready for the next line of business.
Every Flagr verdict ships with the evidence behind it — because in insurance, an answer you can't defend isn't an answer.
Plain-English evidence chain, signal attribution and model version on every claim — aligned with NAIC’s model bulletin on AI.
Absolute signals — NPI not found, OFAC hit, document predates policy — override probability outright.
Deploys on top of any claims system in weeks. HMAC-signed events, no rip-and-replace.
Generative AI made a convincing fake claim free and instant. The legacy fraud vendors chase the biggest carriers with six-figure, year-long deployments — leaving the travel mid-market exposed and undefended.
Flagr exists to close that gap. We pair AI document analysis with a deterministic engine that checks claims against reality, so every verdict is fast, explainable, and defensible. Built by operators who've lived inside regulated, high-stakes systems — and deployable on the carrier systems you already run.
We're hiring. If you've worked carrier-side fraud, real-time ML systems, or insurance compliance — we want to talk.
See open rolesPlans scale with claim volume and book size — not seats. Every plan includes all three engines and the full audit trail. No license shock, no 12-month onboarding.
Portfolio-wide fraud intelligence across your cedents, with aggregated ring signal no single carrier can produce. Structured as a dedicated engagement.
No integration, no commitment. Send us a sample and we'll show you exactly what your current process missed, with the evidence chain on every flag.