Learn how insurance
actually works.
Your profile, cost estimates, every guide, and 10 advisor questions a month are free, forever. A paid plan raises that allowance and puts a stronger model behind it.
Paid plans bill every 3 months.
Start free. Upgrade when you have questions.
Every plan includes your profile, cost estimates, the guides, and 10 advisor questions a month. Paid plans raise that allowance, put a stronger model behind it, discount the claim check, and bill every 3 months.
Free
Everything you need to understand your own coverage.
- Advisor questions
- 10 / mo
- Claim check
- $25
Includes: Your profile: enter your details once.
Start freeBronze
For a specific question you need answered properly.
- Advisor questions
- 50 / 3 mo
- Claim check
- $10
Adds: 50 advisor questions a month.
Silver
For working through a policy decision end to end.
- Advisor questions
- 150 / 3 mo
- Claim check
- $5
Adds: 150 advisor questions a month.
Gold
For households juggling several policies at once.
- Advisor questions
- Unlimited
- Claim check
- Free
Adds: Unlimited advisor questions.
Prices show what each plan will cost after beta. Nothing is charged while Koala is free. Compare every feature ↓
Every feature, side by side.
The free plan is a real plan: your profile, your estimates, the guides, and 10 advisor questions a month never sit behind a card. Paid plans differ in four things: how much you can ask the advisor, which model answers, what a claim check costs you, and which dashboard sections you unlock.
| Plan | Free Free | Bronze $50 | Most popular Silver $100 | Gold $250 |
|---|---|---|---|---|
| Plan | ||||
| Price / 3 months | Free | $50 | $100 | $250 |
| Learn (included in every plan) | ||||
| Your profile | ||||
| Insurance cost estimates | ||||
| Full estimate methodology | ||||
| Guides and explainers | ||||
| The Koala advisor | ||||
| Ask about coverage, policy language, and the claims process | ||||
| Advisor questions | 10 / month | 50 / 3 months | 150 / 3 months | Unlimited |
| Model | Standard | Standard | Stronger | Strongest |
| Your dashboard | ||||
| Advisor | ||||
| Vault | — | 1 line | All lines | All lines |
| Learning progress | ||||
| Watchdog | ||||
| Risk alerts | ||||
| Coverage check | ||||
| Insights | ||||
| The claim check (a separate one-time purchase) | ||||
| Price per claim check | $25 | $10 | $5 | Included |
| Same report, same analysis, at every tier | ||||
| Start free | ||||
Have a question about any of this?
Ask the advisor. It's an AI that teaches you how insurance actually works in plain English: what a coverage does, what a word on your policy means, and what happens next. Nobody is trying to sell you a policy at the end of it.
Every account gets 10 questions a month, free. They come back on the 1st.
Koala advisorAsk anything- What does an umbrella policy actually cover?
- How does a deductible work on a homeowners claim?
- What is an adjuster allowed to ask me for?
Think you've been lowballed? That's a separate $25.
One charge, one time, for one claim — never a percentage of what you recover.
A plan brings it down: $10 on Bronze, $5 on Silver, free on Gold. The report is identical whatever you pay.
The usual way
- Public adjuster10 to 15%
of your payout: the more you recover, the more they take.
- Attorney~⅓
of your settlement: a large, permanent cut of what you win.
The Koala way
$10 on Bronze · $5 on Silver · free on Gold
You keep every dollar you recover. Koala never takes a percentage of a settlement, because Koala never touches your settlement.
- Koala Report PDF
- Fair-value gap analysis
- Comparable settlements
- Lowball risk rating
- Demand letter PDF
- 10 follow-up questions about your claim
Free while Koala is in beta. You won't be charged today.
Questions about pricing
Everything worth knowing before you start a claim.
What do I get for free?
Your profile, your insurance cost estimates with the full methodology behind every number, all of the guides, and 10 advisor questions a month that refresh on the 1st. That is the free plan rather than a trial period, and it stays free.
What does a paid plan add?
More advisor questions, and a stronger model answering them. The advisor itself isn't paywalled: every account gets 10 questions a month. A plan is what you buy when that isn't enough: Bronze is 50 questions per billing period, Silver 150 on a stronger model, and Gold is unlimited on Koala's strongest. Plans bill every 3 months, and each tier also cuts the claim check price.
Is the advisor a real person?
No. The advisor is an AI. It is not a lawyer, an insurance agent, or a broker, and it won't advise you on a specific legal dispute. It explains how the system works so you can make your own decisions.
What is the claim check, and why is it priced separately?
The claim check is a one-time charge that analyses one claim: Koala reads your documents, compares your insurer's offer against real settlements, rates the lowball risk, and drafts a demand letter. It's separate because it's a different job from teaching you how insurance works, and most people never need it. It's $25 on its own, $10 on Bronze, $5 on Silver, and included at no charge on Gold. Every claim check gets the same analysis whatever you paid for it.
Do you ever take a cut of my settlement?
Never. A public adjuster typically takes 10% to 15% of your payout and an attorney can take a third. The claim check is the same $25 whether your claim settles for $2,000 or $200,000. Every extra dollar you recover stays with you.
Is it really free right now?
Yes. Koala is free while in beta, so you won't be charged today. The prices shown are what plans and the claim check will cost once beta ends.
Is Koala a law firm or a substitute for legal advice?
No. Koala is an educational tool and a claims advocacy tool, not a law firm, and it doesn't provide legal advice. Reports, demand letters, and advisor answers are for informational purposes only, and results vary from claim to claim.
Still deciding? Read the refund policy or get in touch.
You don't have to pay to start asking.
Every account gets 10advisor questions a month, including the free one. We don't ask for a card, we never take a percentage, and there is no catch. Upgrade only when you run out.