Stop Losing Money on U.S. Medical Claims. Start Avoiding Them
Fairfare uses AI steerage and Medicare-based benchmarking to help insurers and assistance companies avoid inflated medical bills in real time — before they happen.
From ER to Urgent Care, we connect members to the right care at the right cost.
Stop Losing Money on U.S. Medical Claims. Start Avoiding Them
Fairfare uses AI steerage and Medicare-based benchmarking to help insurers and assistance companies avoid inflated medical bills in real time — before they happen. From ER to Urgent Care, we connect members to the right care at the right cost.
Challenges
The Real Challenges in U.S. Inbound Travel Insurance
For international insurers, the U.S. healthcare system is a high-stakes maze — opaque pricing, hospital billing variability, and reactive cost containment inflate loss ratios beyond control.
Even worse, most travel insurance operations still depend on manual workflows, disconnected networks, and post-claim interventions. This leads to wasted time, unpredictable costs, and poor member experiences.
Without visibility into local benchmarks (like Medicare multipliers) or real-time steerage data, insurers are left reacting to inflated bills instead of preventing them.
Helping Members Navigate the U.S. Healthcare Maze in Real Time
Until now, most assistance companies could only react after the claim was filed. But today, they can guide members in real time to the right level of care — avoiding unnecessary ER visits and inflated bills.
Fairfare provides insurers and assistance partners with a powerful navigation tool that connects travelers to vetted, cost-effective providers across the U.S. Members can instantly access their local U.S. membership card via email or WhatsApp, making coverage verification seamless and immediate.
Smarter Access to Care
Members are directed to urgent care, telemedicine, or house-call services — not just the ER — based on location, need, and availability.
Faster, Simpler Experience
No apps to download, no portals to navigate. Members receive everything they need to get treated quickly and affordably.
High Loss Ratios Due to Inflated Medical Costs
The high out-of-network costs in the U.S. directly impact the
loss ratio for international travel insurers, as inflated
charges, manual inefficiencies, and lack of cost transparency
drive up claim expenses.
Travel Insurance Members Financial Burden
The customer faces a financial burden by having to download a
dedicated app, cover claim costs out of pocket, and then request
reimbursement, all while keeping and uploading relevant
documents.
Smarter Access to Care
Members are directed to urgent care, telemedicine, or house-call services — not just the ER — based on location, need, and availability.
Faster, Simpler Experience
No apps to download, no portals to navigate. Members receive everything they need to get treated quickly and affordably.
Upfront Payments
Travelers must pay for medical services out-of-pocket and
await reimbursement.
Inconvenience
Clients are required to download specific apps, submit
claims manually, and keep track of all medical documents.
Travel Insurance Members Financial Burden
The customer faces a financial burden by having to download a
dedicated app, cover claim costs out of pocket, and then request
reimbursement, all while keeping and uploading relevant
documents.
Disconnected Data Leads to Delayed Decisions
Manual claim intake and scattered data flows slow everything down — from validation to payment. Assistance teams spend hours processing scanned PDFs and emails, while critical insights remain buried in disconnected systems.
Fairfare transforms this chaos into clarity. Our claims back-office layer automatically ingests, structures, and scores every medical line item — enabling faster resolution, cleaner analytics, and real-time cost benchmarking against Medicare rates.
Automated Ingestion
Claim data is digitized and standardized on entry, removing manual handling and transcription errors.
Actionable Intelligence
Every claim is enriched with benchmarks, provider scores, and multipliers — allowing teams to see outliers instantly.
Connected Workflow
Steerage, claims, and analytics now live in one ecosystem — letting assistance companies act, not react.
Disconnected Data Leads to Delayed Decisions
Manual claim intake and scattered data flows slow everything down — from validation to payment. Assistance teams spend hours processing scanned PDFs and emails, while critical insights remain buried in disconnected systems.
Fairfare transforms this chaos into clarity. Our claims back-office layer automatically ingests, structures, and scores every medical line item — enabling faster resolution, cleaner analytics, and real-time cost benchmarking against Medicare rates.
Automated Ingestion
Claim data is digitized and standardized on entry, removing manual handling and transcription errors.
Actionable Intelligence
Every claim is enriched with benchmarks, provider scores, and multipliers — allowing teams to see outliers instantly.
Connected Workflow
Steerage, claims, and analytics now live in one ecosystem — letting assistance companies act, not react.
Features
Our Solution
Fairfare Delivers an End-to-End Cost-Avoidance Platform for U.S. Medical Claims
Smart Local Access
Real-time steerage to the right care — urgent care, telemedicine, or house calls — using AI symptoms logic and Medicare-based benchmarking.
Real-time steerage to the right care — urgent care, telemedicine, or house calls — using AI symptoms logic and Medicare-based benchmarking.
Automated Data Layer
Claim data flows seamlessly from provider to payer, with every CPT code scored, benchmarked, and validated.
Branded Member Experience
Deliver Fairfare’s capabilities under your own brand — members access their digital card, locate care, and verify coverage in seconds via email or WhatsApp.
We believe travelers deserve fair care — no matter where they are.
The U.S. healthcare system wasn’t built for visitors. Prices are opaque, bills are inflated, and travelers are often charged multiples of what locals pay for the same care. Fairfare exists to change that. We give insurers and assistance companies the tools to guide members to the right care at the right cost — automatically, transparently, and in real time. Our membership card connects travelers to fair, local rates across the U.S., reducing financial stress for members and loss ratios for insurers. Fairfare isn’t just making travel insurance smarter — we’re redefining how fairness works in American healthcare.
We believe travelers deserve fair care — no matter where they are.
The U.S. healthcare system wasn’t built for visitors. Prices are opaque, bills are inflated, and travelers are often charged multiples of what locals pay for the same care. Fairfare exists to change that. We give insurers and assistance companies the tools to guide members to the right care at the right cost — automatically, transparently, and in real time. Our membership card connects travelers to fair, local rates across the U.S., reducing financial stress for members and loss ratios for insurers. Fairfare isn’t just making travel insurance smarter — we’re redefining how fairness works in American healthcare.
Why Leading Insurers Choose Fairfare
Fairfare helps international insurers and assistance companies move from reactive containment to proactive cost avoidance.
Our AI-driven workflow connects steerage, claims, and benchmarking into one intelligent ecosystem — reducing costs, improving member satisfaction, and bringing full visibility to U.S. healthcare spend.
Lower Loss Ratios
Reduce medical claim costs through AI steerage and Medicare-based benchmarking that prevents inflated billing before it happens.
Seamless Member Experience
Empower travelers with instant access to local care and digital membership cards — no apps, no reimbursements, no confusion.
Lower Loss Ratios
Reduce medical claim costs through AI steerage and Medicare-based benchmarking that prevents inflated billing before it happens.
Seamless Member Experience
Empower travelers with instant access to local care and digital membership cards — no apps, no reimbursements, no confusion.
Empowering Global Partners to Deliver Fair, Real-Time Healthcare Access in the U.S.
Enterprise-Grade Integrations
Connect to over 2 million U.S. providers. Real-time steerage and claims intelligence plug straight into your systems.
Digital Membership Infrastructure
Instantly issue personalized U.S. network cards via email or WhatsApp — making in-network verification effortless for travelers and providers alike.
Embedded Fairfare Access
Offer Fairfare’s capabilities as a built-in feature within your own product ecosystem — from travel insurance to premium credit cards and loyalty programs.
Embedded Fairfare Access
Offer Fairfare’s capabilities as a built-in feature within your own product ecosystem — from travel insurance to premium credit cards and loyalty programs.
Discover how FairFare transforms travel insurance for international travelers and insurers.
35%
Reductions in ER visits using Fairfare's AI symptoms based steerage
150+
U.S. network suppliers we work with
Our Mission and Vision at FairFare
At FairFare, we are committed to revolutionizing travel
insurance by prioritizing fairness and innovation. Our mission
is to empower travelers and insurers alike through efficient
solutions that disrupt traditional healthcare access.
Our Mission and Vision at FairFare
At FairFare, we are committed to revolutionizing travel
insurance by prioritizing fairness and innovation. Our mission
is to empower travelers and insurers alike through efficient
solutions that disrupt traditional healthcare access.
Partner with FairFare Today
Join us in transforming travel insurance for a fairer, more
efficient healthcare experience.
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