Understand the system before you have to fight it.
Ask anything about how US insurance works (what a coverage does, what a policy term means, how a claim actually runs) and get a plain answer from something with no commission riding on it.
10 free questions a month on every account · An AI, never a lawyer
Everyone who'll explain it is selling you something.
Most people meet their policy properly for the first time on the worst day of their year, reading an exclusions clause in a hospital car park, or working out what “actual cash value” means with a claim already open.
Until that day, the people offering to explain it are an agent paid a commission on the policy, a broker paid a commission on the policy, or a page written to sell you the policy. The advice can be perfectly good and the incentive still points somewhere other than at you.
Koala sells no policy and takes no commission. That is the only reason the answer can just be the answer.
Ask it anything.
Bring the thing you actually don't understand. The advisor opens in its own room, and every account gets 10 questions a month, free. New to it? Read how to use it.
What it answers, and what it refuses to.
An assistant is only as trustworthy as the list of things it won't do. Here is both halves.
Ask it this
What a coverage actually does
What comprehensive covers that collision doesn't, what loss of use is for, and what your liability limit is really standing between.
What the language on your policy means
Actual cash value, recoverable depreciation, proof of loss, the appraisal clause: what the term means and where it starts costing you.
How the claims process runs
What an adjuster does, what happens after you file, what a denial letter is obliged to tell you, and what generally comes next.
How the rules vary by state
In general terms. Insurance is regulated state by state, and the advisor will tell you when the answer depends on which one you're in.
It won't do this
It won't give you legal advice
It is not a lawyer and Koala is not a law firm. It explains how the system works; it will not tell you whether to sue, or how your specific dispute should come out.
It won't recommend an insurer or a policy
No carrier pays Koala anything. The advisor doesn't sell, won't name a company to buy from, and won't quote you a price.
It won't pretend to be a person
It is an AI, it says so when asked, and it is instructed to say "I don't know" rather than invent a statute, a deadline, or a number.
It won't argue your claim for you
That is a different job with a different tool. If the real question is "was I underpaid?", the claim check reads your documents and answers it.
Koala is not a law firm and does not provide legal advice. The advisor is an AI, its answers are for informational purposes only, and it can be wrong. Check anything that turns on a deadline or a dollar figure against your own policy documents.
More questions, a stronger model, cheaper claim checks.
That is the entire difference between the plans. Everything else on Koala (your profile, your estimates, the methodology, the glossary, the guides, and 10 advisor questions a month) is free on every tier, including no tier at all.
- Bronze
For a specific question you need answered properly
- Advisor questions
- 50
- Every three months
- $50
- SilverMost chosen
For working through a policy decision end to end
- Advisor questions
- 150
- Every three months
- $100
- Gold
For households juggling several policies at once
- Advisor questions
- Unlimited
- Every three months
- $250
Questions about the advisor
The things worth knowing before you ask it anything.
Is the advisor a real person?
No. It is an AI, and it will tell you so if you ask. It is not a lawyer, an insurance agent, or a broker. It teaches you how the system works so you can make your own decisions. It doesn't make them for you.
What does it actually know?
It's a large language model given a narrow brief: explain US insurance (coverages, policy language, the claims process, and how regulation generally works) in plain English. It is instructed to say "I don't know" rather than guess at a statute, a deadline, or a figure, and to flag when an answer depends on your state.
Do I have to pay to use the advisor?
No. Every account gets 10 questions a month, free, and they refresh on the 1st. A plan is what you buy when 10 a month isn't enough: it raises the allowance and puts a stronger model behind it. Every question costs Koala money to answer, and the alternative to charging for the heavy use is selling you something: a policy, a lead, or your data. So there is a meter, and it starts above zero.
What's the difference between the plans?
Three things: how many questions you get, which model answers them, and what a claim check costs you. Bronze is 50 questions and $10 claim checks; Silver is 150 on a stronger model, with $5 claim checks; Gold is unlimited questions on Koala's strongest model, and claim checks are included at no charge. Paid allowances run per billing period, and plans bill every 3 months.
Can it answer questions about my specific claim?
Only in general terms; it doesn't read your documents. The claim check is the tool built for a specific claim: it reads what your insurer sent, benchmarks the offer against comparable settlements, and drafts your response. It's a separate one-time charge ($25 on its own, less on a plan, and free on Gold), and every claim check gets the same analysis whatever you paid for it.
Can it be wrong?
Yes. It is an AI and its answers are for informational purposes only. It is built to refuse rather than guess, but anything that turns on a deadline or a dollar figure should be checked against your own policy documents.
Still deciding? Read what Koala stores or see what it costs.
Or read it yourself, for free.
The advisor is the fast path, not the only one. Everything it explains is also written down, and none of that is behind a plan.
- Read it
Reference
The glossary
Every term Koala uses, what it means, and where it actually costs you money.
- Read it
Guides
Playbooks for a live claim
Documenting damage, reading a denial, checking a total-loss valuation line by line.
- Read it
Methodology
Where every number comes from
The datasets behind the estimates, the arithmetic, and the levers Koala can't see.
Learn it now, not in the car park.
Plans start at $50 every three months, and Koala is free while in beta, so you won't be charged today.