Insurer A
Fraud detection · Travel insurance
Collective defense for travel insurance.
Fraud detection that sees across insurers. Signals are shared between partners; identities never leave your walls.
Priced on fraud recovered. We only win when you do.
Purpose-built for
- Medical claims
- Trip cancellation
- Baggage & delay
- Emergency assistance
01The blind spot
Fraud doesn’t stay
with one insurer.
The same clinics, travelers and schemes appear across insurers. Each portfolio sees only a fragment, so the pattern stays invisible — and fraud rings exploit exactly that gap.
Insurer B
Insurer C
Insurer D
Four insurers each see one ordinary claim. Together, they see one clinic.
same clinic, four portfolios02The threat landscape
Fraud in travel insurance
takes many forms.
Three examples, from small-scale padding to sophisticated rings. Each needs its own detection, correlating signals across your portfolio and the network.
Double claims, rounded bills, inflated receipts.
The same loss claimed twice, a bill rounded up, a stay stretched by a night — small on their own, costly in aggregate.
Duplicate and amount checks, across the network
Clinics systematically overbilling several insurers.
Invisible from a single portfolio; exposed only where partners’ signals meet.
Network effect: signals from all partners
Rings using fake identities, moving from insurer to insurer.
Coordinated claims under shifting names, mapped by graph analysis no single insurer could run.
Graph analysis and stylometry
03Collective defense
A clinic flagged by one partner raises its risk score across the network.
When a partner flags a suspicious provider, every insurer in the network sees the risk rise — within hours, without a single name changing hands.
- Cross-network fraud detection
- Pseudonymized data ingestion
- Alerts in under 24 hours
- Built exclusively for travel insurance
04Privacy-first architecture
Signals are shared.
Identities never are.
Identifiers are converted into one-way hashes the moment they arrive, and raw personal data is discarded. Partners match patterns, never people.
1 Claimant name
Jonathan Reyes
Arrives with the claim
2 One-way hash
a7f3b2…
Raw data discarded on ingestion
3 Compared across the network
- e3c9d1… B
- a7f3b2… C
- 9bd4e7… D
- f1a2c9… E
Pattern detected.
Identity never revealed to any partner.Hashed on arrival
Identifiers become one-way hashes at ingestion; raw personal data is never retained.
Nothing nominative shared
Partners see providers and patterns, never the people behind a claim.
Regulation built in
GDPR, PIPEDA and CCPA compliant by design.
Insurance-ready
Aligned with OSFI, state requirements and cross-border rules.
05Detection
22+ fraud indicators
on every claim, in seconds.
Specialized agents run the checks an investigator would, in parallel, and write down why. Eight of the families:
Duplicate
Matches against prior claims across the network, including near-duplicates.
Timeline
Checks dates against the trip and the policy; flags impossible sequences.
Medical and provider
Verifies the clinic and that diagnosis and treatment are consistent.
Behavioral
Weighs the claimant’s history and reputation across claims.
Network
Looks for links to known rings with graph analysis.
Language
Reads the narrative for consistency and tell-tale writing patterns.
Geo-temporal
Confirms the traveler could actually be there, then.
Financial
Compares amounts with regional benchmarks; catches calculation errors.
Every agent explains its reasoning
No black-box decisions
Fully auditable
06Your team
More of your team’s time
where it counts.
voûte doesn’t replace your fraud team — it amplifies it. Low-risk claims clear themselves; your analysts spend their time on the cases that matter.
22+
fraud indicators on every claim
100%
of flags come with their reasons
0
changes to your claims workflow
07Illustrative scenarios
What a single portfolio would have missed.
Case 01·Institutional
Ghost clinic network
Twelve fake providers across Southeast Asia, each billing a different insurer — the kind of pattern only shared address signals can expose.
Case 02·Organized
One traveler, four insurers, one hospital stay.
The same medical claim, filed four times under slight name variations. Semantic matching linked the near-identical names, dates and clinic address.
Illustrative scenario. Names are fictional.
Insurer A
ClaimantJonathan Reyes
Claim no.A-284739
Treatment14 Mar 2026
Insurer B
ClaimantJon Reyes
Claim no.B-618392
Treatment14 Mar 2026
Insurer C
ClaimantJ. Reyes
Claim no.C-903118
Treatment14 Mar 2026
Insurer D
ClaimantJonathon Reyes
Claim no.D-772405
Treatment14 Mar 2026
Same clinicSame datesSame flight
Case 03·Opportunity
A provider charging 340% above regional benchmarks.
The price-reasonableness check compares each invoice line with what the same treatment costs in the region.
Medical services · Bangkok · THB
Regional benchmark
Billed
4.4× higher
X-ray (chest)4,800
CT scan12,000
Medication3,500
08Command center
One command center
for your fraud team.
Prioritized queues, clear risk scores and the reasoning behind every flag — in one place. Select a claim to see why it was raised.
Claims today1,247↑ 12% vs yesterday
High risk23Require review
Auto-cleared89%Low-risk claims
Savings$142KThis month
High-priority claims
| Claim | Type | Amount | Risk | Flags | Status |
|---|
Illustrative interface. Claims and figures are fictional.
09How it works
Live in under four weeks.
Minimal IT involvement. voûte works alongside your existing systems, with no change to your claims workflow.
1
Ingest and normalize
Secure API connectors, automatic mapping and pseudonymization on arrival.
2
Detect and score
Documents, providers and behaviors scored in real time.
3
Investigate and act
Prioritized queues, complete audit trails and actionable reports.
Connect your way
A full REST API for your claims management system, or simple file-based ingestion for a quick start.
REST APICSVExcelSFTP
- Live in under 4 weeks
- Minimal IT involvement
- Works with your existing systems
- No changes to your claims workflow
10Enterprise security
Built to the standard
insurers expect.
- CertificationSOC 2 Type I certified
- EncryptionTLS 1.3 in transit, AES-256 at rest
- Data residencyCanada, the EU or the US — your choice
- PrivacyGDPR, PIPEDA and CCPA compliant architecture
Priced on results
Pricing is a percentage of fraud recovered. We only win when you do.
Volume-based pricing available. Custom terms for early network partners.
11Built by experts
Decades in travel insurance.
Decades in AI.
Guided by founders and an advisory board who have built and run businesses on both sides of the problem.
FM
François Morin
Investor · CEOSuccessful entrepreneur in travel insurance. 30+ years of industry expertise.
DH
Dominique Hébert
Investor · COOSuccessful entrepreneur in travel insurance. 30+ years of industry expertise.
MD
Mario Dubois
Investor · Advisory board30+ years in tech. Serial entrepreneur and tech investor with deep expertise in AI.
PC
Philippe Côté
Investor · Advisory board25+ years in tech and AI. Investor and entrepreneur turning innovation into products.
Support
A partner, not a vendor.
You work with fraud experts who understand travel insurance.
i.
Dedicated success manager
A named partner who knows your business and your goals.
ii.
Direct access
Slack, email or a call — reach the people who built the product.
iii.
Proactive insights
Regular reviews, new fraud-pattern alerts and optimization recommendations.
12Before the call
What voûte is not.
Three things it helps to settle early, for legal and for IT.
Not a claims system.
voûte sits beside the system you already run and scores what passes through it. Nothing in your workflow changes.
Not a black box.
Every flag lists the indicators that raised it and why, in plain language, in the audit trail.
Not a data pool.
Partners never see each other’s claims or claimants — only hashed signals and provider-level patterns.
- What exactly leaves our walls?
- One-way hashes of identifiers and provider-level signals. Raw personal data is discarded at ingestion and never stored.
- Where is the data processed?
- In Canada, the EU or the US — you choose the region, and it stays there.
- How much work is integration?
- A REST connector or a file drop (CSV, Excel, SFTP). Most of the effort is field mapping, which voûte automates.
- Who decides on a flagged claim?
- Your analysts. voûte prioritizes and explains; it never pays, denies or contacts a claimant.
Let’s talk.
Ask for a demo or arrange a secure review of closed claims. We reply within 24 hours.