Even for other things. For example, I have pet insurance for my dog. She had a cracked tooth that needed to be removed. I had receipts and documentation from

Even for other things. For example, I have pet insurance for my dog. She had a cracked tooth that needed to be removed. I had receipts and documentation from the vet ready to go, but I didn't end up needing any of that. I went through their online form to choose what procedure was done and how much I paid. It then offered me the chance for automatic handling (with the ability to request that it be reviewed by a human if I wasn't happy), and it approved reimbursement minus my deductible, and the money was in my account about 3 days later. Obviously there will always be claims that require human assistance, but if even 50% of claims can be automated, that's still a significant savings for the insurer.