Transform Claims from a Pain Point to a Promise

Faster Submission and AI‑Assisted Review‍
Traditional Claim Submission & Verification
‍In typical insurance operations, claim submission and verification remain fragmented and manual. Customers often submit claims through forms, emails, or calls, while authentication and identity verification are inconsistent and require manual checks. Adjusters must then gather information across multiple systems to validate policy coverage, waiting periods, incident details, and supporting documents, relying on human judgment rather than structured analysis. This leads to slow processing times, high administrative workload, inconsistent validation, increased fraud risk, and a frustrating customer experience.
AI‑Guided Claim Experience with Smart Review
‍With Bernoly, the claims journey becomes a structured, AI‑assisted process from authentication to payment. Customers securely verify their identity easily, then submit claims through a guided experience that captures structured data such as incident details, location, and supporting veterinary documents. AI agents assist the review process by checking claim plausibility, validating policy coverage and waiting periods, extracting information (OCR) from uploaded documents, and verifying whether the veterinary clinic is legitimate. All insights are presented to staff in a single review interface with pre‑filled data, allowing quick decisions and automated routing for approvals or payment. This reduces manual work, improves fraud detection and validation consistency, and significantly speeds up claim resolution while delivering a smoother experience for customers and claims teams.

From Delays to Real-Time Claim CompletionProblem
Traditional Claim Process
In traditional insurance claim processes, after an accident the customer uploads photos or submits a basic form, and the claim enters a review queue. Because the initial submission is often incomplete or unclear, staff must follow up for missing details, better photos, or clarification about the accident. This back-and-forth delays decisions, increases operational cost, and creates claim leakage risk due to poor or inconsistent data. The process is slow and frustrating for both customers and claims teams.
How Bernoly Changes the FNOL Journey
Bernoly redesigns FNOL around data completion and validation. As soon as a customer uploads photos, AI analyzes damage, verifies metadata and location, checks consistency with policy data, and asks structured follow-up questions in real time while the customer is still available. Within minutes, the claim becomes complete and validated. Staff receive a clean, structured summary with AI insights enabling faster confirmation, clearer communication, reduced leakage, and lower expense.