Top 10 Insurance Chatbots for 2025: Features, Benefits & Real-Life Examples

We all know how stressful dealing with insurance can be—endless paperwork, long waits, and policies that leave you scratching your head. 

But here’s the good news: insurance chatbots are here to change that! 

These bots can be designed to help answer questions right away, guide customers through claims, and even give personalized quotes—without the headache. 

In this blog, I’ll walk you through the top 10 insurance chatbots, showcasing their features, benefits, and real-life examples. Curious? Check out the full post for all the details!

Let’s start by discussing the basics before we explore all the tools.

What is an Insurance Chatbot?

An insurance chatbot is a virtual assistant that helps customers with crucial tasks, like answering common questions, providing policy details, or even generating quotes. Since it’s available 24/7, you don’t have to wait for an agent to get quick answers or help.

Insurance chatbots, powered by AI or predefined rules, boost efficiency by automating tasks. The best part? You can customize the tone, look, and responses to match your brand’s voice, making interactions feel more personal and authentic. Plus, you can train these chatbots using your own data, ensuring they always provide accurate and tailored responses.

What’s even better is that insurance chatbots can easily integrate with other tools, like CRM software, payment systems, and more, making the whole process smoother and more personalized. Plus, they also support multiple languages, so customers from different regions can interact in their preferred language, making insurance a lot more accessible.

List of Top 10 Insurance Chatbots to Boost Customer Experience & Automate Queries

AI chatbots in the insurance industry are making customer support faster and more efficient. From answering customer queries to processing claims, they help businesses provide seamless support around the clock. Here’s my pick for the top 10 insurance chatbots in 2025:

Here’s a quick overview of the top 10 insurance chatbots:

1. ProProfs Chat

Best for 24/7 Delightful Customer Support With AI chatbots

I’ve been using ProProfs Chat for two years, and I can’t imagine handling customer support without it. It allows you to easily create AI-powered chatbots that assist customers, even when you’re offline. I had fun customizing it—gave it a name, tweaked its responses, and trained it using my website data and knowledge base. Plus, with real-time translations, you can support customers in multiple languages effortlessly.

The bot-human handover is a lifesaver—when the chatbot can’t help, it smoothly connects customers to a real person. You can connect it with tools like Salesforce, and Calendly to manage leads, schedule appointments, and streamline customer interactions. If you’re looking for a simple yet powerful way to upgrade customer support, ProProfs Chat is definitely worth trying!

What You’ll Like:

• Proactive chat invitations to engage visitors actively to boost interaction
• Canned responses to offer quick replies to common questions
• Real-time monitoring to track visitor activity for better engagement

What You May Not Like:

• Lacks an on-premise version
• The dark user interface option is not available

Pricing: A Forever Free plan with all premium features is available for small teams. Paid plan starts from $19.99/operator/month.

2. ChatBot

Best for Personalized Policy Recommendations

I’ve used ChatBot for automating customer support, and it made a real difference. It answered policy questions, provided 24/7 support, and assisted with claims, saving my team time. What really caught my attention was the personalized policy recommendations—it suggests the best insurance plans based on customer needs, simplifying decision-making. 

I also liked how simple it was to integrate into my website and social media—no tech headaches at all. ChatBot’s AI took care of routine tasks, allowing my team to focus on more complex cases. If you’re in insurance, this chatbot can definitely lighten your workload.

What You’ll Like:

• Human handoff option to personalized support when needed
• Multi-language support to connect with customers in multiple languages
• Analytics to provide insights into chatbot performance and customer interactions

What You May Not Like:

• More expensive for small businesses
• Interface can be tricky to navigate

Pricing: Starts at $52/month.

Also Read : 11 Best ChatBot Alternatives to Drive Sales & Improve Support in 2025

3. Chatfuel

Best for Lead Qualification

If you need a simple way to automate insurance queries, Chatfuel is a great choice. It can answer policy questions, assist with claims, and handle FAQs without human involvement. What I like is how easy it is to set up—no coding required. It also integrates with Facebook Messenger and websites, so customers can reach out however they prefer. 

One of its best features is lead qualification—it collects customer details and routes them to the right department. If you’re in insurance and want a chatbot that simplifies support and sales, Chatfuel is a solid option without making things too complicated.

What You’ll Like:

• Personalized greetings to tailor the customer experience.
• Facebook Messenger integration to support customer interaction through Messenger.
• Automated claims support to streamline the claims process.

What You May Not Like:

• Lacks some advanced automation options
• Some features are basic and not customizable

Pricing: Starts at $19.99/month.

4. ManyChat

Best for Making Chatbots for Messaging Apps

As an insurance chatbot, ManyChat is a great option for automating customer support and lead generation. I’ve found it to be intuitive, making it easy to set up and use. Plus, it’s perfect for building chatbots that chat with customers on Facebook Messenger, and WhatsApp, making communication seamless no matter where they are.

The integration with SMS and social media platforms is a huge plus, allowing seamless communication with customers wherever they are. It also supports personalized messaging, which can make a big difference when dealing with insurance policies. Overall, it’s a practical tool that can save time while boosting customer engagement.

What You’ll Like:

• Omnichannel messaging to connect with customers on different platforms
• AI-Powered features to automate interactions using AI
• Analytics and reporting to access detailed insights on campaign performance

What You May Not Like:

• Restricted features on the free version
• Delays in response times

Pricing: Starts at $15/month.

5. Zendesk

Best for Zendesk Users

Zendesk is a reliable option for automating customer support in the insurance sector. It’s especially great for Zendesk users, making it easy to manage chatbot interactions alongside support tickets. I’ve found its ability to handle common queries, like policy details and claims status, quite helpful. 

It uses AI to provide accurate responses and even helps with lead generation by engaging customers in real time. The bot can also route complex issues to live agents, ensuring customers get the right help when needed. I also love that you can tweak its responses to match your brand’s tone—it’s like giving your chatbot its own personality!

What You’ll Like:

• Help center to provide self-service options for customers
• Voice integration to manage voice interactions seamlessly
• Live chat to engage customers in real-time across various channels

What You May Not Like:

• The mobile application may not offer full functionality
• Advanced reporting features may require additional configuration

Pricing: Starts at 19/user/month.

Also Read : Zendesk Alternatives: 10 Best Customer Support Software in 2025

6. Ada

Best for AI-driven Self-Service

A friend of mine recently started using Ada, and they were really impressed. It’s been a huge help for handling insurance-related questions—everything from claims to renewals. It is best for AI-driven self-service, making it easy for customers to get answers instantly without needing human help. What stood out to them was how simple it was to set up—no coding involved! 

Ada’s also great with multiple languages, which is perfect for customers from all over. It gets smarter with every interaction, which I think is pretty cool. And the best part? It integrates easily with existing insurance systems!

What You’ll Like:

• Real-time analytics to gain insights into customer interactions
• Document management to handle policy documents securely
• Lead capture to collect potential customer information

What You May Not Like:

• Some tools don’t connect easily
• Lacks full desktop capabilities

Pricing: Custom pricing

7. Drift

Best for Conversational Landing Pages

Drift is ideal for creating engaging conversational landing pages that capture and qualify leads in real time. It can instantly collect visitor information, provide real-time insurance quotes, and answer policy-related questions, making it easier for potential clients to get the information they need. The chatbot also supports meeting scheduling, reducing the workload for agents.

From my experience, Drift makes conversations feel natural, which keeps customers engaged. I’ve seen how it quickly answers FAQs and smoothly hands off complex queries to human agents. While its pricing can be a bit high, the efficiency it brings to customer interactions is worth it.

What You’ll Like:

• Live chat handover for seamless transfer to agents
• Conversation routing to direct customers to the right agents
• FAQ integration to deliver quick answers to common questions

What You May Not Like:

• Setup can be complex
• The mobile app may have limited functionality

Pricing: Contact the sales team.

Read Now : 11 Best Drift Alternatives for Your Business in 2025

8. Pandorabots

Best for Building AI Chatbots With AIML Scripting

Handling insurance queries can be time-consuming, but Pandorabots makes it easier. It lets you build a chatbot that can answer policy questions, assist with claims, and manage FAQs without needing constant human intervention. What I like is how customizable it is—you can train it using AIML to understand industry-specific terms for more accurate responses. 

Plus, it integrates seamlessly with websites, messaging apps, and voice assistants, so customers can reach out however they prefer. If you’re looking for a way to automate insurance support while keeping interactions smooth and efficient, Pandorabots is definitely worth checking out.

What You’ll Like

• NLP support to enable natural, human-like conversations
• Customizable responses to tailor chatbot replies for insurance-specific queries
• User-friendly interface for easy chatbot management

What You May Not Like

• The free version offers limited features
•  Limited support for lower-tier users

Pricing: Starts at $19/month.

9. Landbot

Best for Live Chat Analytics

Landbot.io is a great tool for building insurance chatbots that make customer interactions smoother. I’ve used it, and honestly, the simple drag-and-drop builder is my favorite feature. No coding, no hassle—just an easy way to set things up exactly how you want. A key highlight of Landbot is its live chat analytics, helping optimize customer engagement.

Its chatbot handles everything from basic insurance questions to guiding users through claims and policy details. Plus, it integrates with tools like CRMs, making it even easier to manage leads and support. If you’re in insurance and need a bot that’s easy to set up and reliable, Landbot.io is a solid choice.

What You’ll Like:

• User-friendly interface to navigate and manage chatbot settings with ease
• Lead generation templates for insurance lead generation
• No-code chatbot builder to create and deploy chatbots without any coding skills

What You May Not Like:

• Users have encountered minor bugs during usage
• While user-friendly, there may be a slight learning curve for beginners

Pricing: Starts at $45/month.

10. Botsify

Best for Automated Claims Assistance

I’ve used Botsify for a while, and it’s proven to be a good option for building insurance chatbots.

It handles policy questions, claims, and coverage details without breaking a sweat. What do I love most? Its automated claims feature simplifies the filing process for customers. Setting it up is so eay—even if you’re not a tech expert. 

Plus, it works across websites and messaging apps, so customers can reach out however they like. The 24/7 automated support is fantastic, ensuring no query goes unanswered. If you’re in insurance and want to simplify customer interactions while saving time, Botsify is definitely worth a try!

What You’ll Like:

• Automated claims assistance to simplify claim filing for customers
• Customizable flows to design chatbot conversations as needed
• Live chat feature to allow real-time human intervention when needed.

What You May Not Like:

• Occasional lags or downtime have been reported
• The AI may sometimes misunderstand complex customer queries

Pricing: Starts at $49/month.

Also Read : Top 10 Botsify Alternatives to Consider in 2025

What are the Benefits of Insurance Chatbots?

Insurance chatbots streamline customer interactions with quick, reliable support. They bring efficiency to processes while ensuring customers get the help they need, anytime. Let’s take a look at their key benefits. 

1. Available Anytime, Day or Night

One of the best things about chatbots is that they’re available 24/7. This means you don’t have to wait for business hours to get help. Whether it’s late at night, over the weekend, or during a holiday, chatbots are there to provide instant support. 

If you need a quick answer about your policy or need help with something, the chatbot can respond immediately without delays.

2. AI Training for Quick, Accurate Responses

AI chatbots can be trained using your company’s data to provide quick and accurate replies to customers. By analyzing the knowledge base, claims data, and policy information, the chatbot becomes well-versed in the company’s offerings and services. 

This allows it to provide more personalized and detailed responses to customer inquiries, recommend tailored policies, and offer accurate information about specific insurance plans.

3. Helping in Multiple Languages

Insurance companies often work with customers from all over the world. Chatbots make it easy to communicate with people who speak different languages. 

Many chatbots are designed to support multiple languages, which helps customers who prefer to interact in their native language. This feature makes sure everyone gets the help they need, no matter where they’re from.

4. Keeping Your Data Safe

Insurance chatbots help protect your information while ensuring compliance with GDPR, which mandates secure data handling and user consent. Many chatbot software comes with secure authentication methods such as two factor authentication to ensure that customer interactions remain safe and protected.

With this added layer of protection, customers can feel safe knowing their personal and financial information is being handled securely.

5. Effortless Bot-Human Handoff

While insurance chatbots are excellent at handling routine queries, some situations require human intervention. For example, if a customer has a complex claim dispute or needs detailed policy clarifications, a chatbot can seamlessly transfer the conversation to a live agent. 

This ensures that customers receive the right level of support at the right time. This balance between automation and human assistance upgrades efficiency without compromising on quality service.

6. Customization & Personalization

Every insurance company has its unique brand identity, and a chatbot can be customized to reflect that. You can give your insurance chatbot a distinct voice and personality by tweaking its responses through chatbot templates. Want your chatbot to sound professional and friendly? You have full control! 

You can also give your chatbot a face and a name, making it more engaging and approachable for customers. This creates a seamless and highly personalized experience.

What Are the Top Use Cases of Insurance Chatbots?

AI-powered chatbots have emerged as a key asset in the Insurance industry, offering practical solutions to improve customer service and streamline operations. Here are some common insurance chatbot use cases:

1. Instant and Continuous Support

With 24/7 availability, chatbots ensure that customers can get help anytime, day or night. Whether it’s answering a question about coverage or assisting with claims, chatbots are there to provide immediate responses, improving accessibility and reducing wait times. 

Customers no longer need to wait for business hours to get assistance, and this constant support boosts overall customer satisfaction and trust in the insurer.

2. Effortless Onboarding

Insurance chatbots simplify the customer onboarding process for new users by guiding them through policy options, collecting essential details, and providing instant quotes. 

This seamless experience allows new customers to quickly understand their choices without feeling overwhelmed by complicated paperwork. It also helps reduce the time it takes to get coverage, making the entire process faster and more convenient.

3. Efficient Feedback Collection

Customer feedback is crucial for improving services. Chatbots and post-chat surveys can be used to collect feedback on customer interactions, claims experiences, or overall satisfaction with the company. 

Chatbot responses can be customized to ask feedback-related questions, helping gather valuable performance insights to improve services and customer experience. This can be done after specific interactions or at regular intervals.

4. Scheduling Appointments

Sometimes, a phone call or in-person meeting is necessary. An insurance chatbot can streamline the appointment scheduling process by offering available time slots for agents or adjusters. 

Customers can select a time that works best for them directly within the chat window, eliminating the need for phone calls or email exchanges. 

The chatbot can then send confirmation and reminders about the appointment.

5. Lead Generation

The chatbot customization dashboard allows you to gather qualified leads by asking users multiple-choice and opening response questions, helping you grow your sales pipeline.

For example, the chatbot might ask if the visitor is looking for home or auto insurance, and based on the responses, it can either provide quotes or pass the lead along to an agent. 

This process improves lead generation by ensuring no lead goes unnoticed, boosting conversion rates, and allowing agents to focus on well-qualified prospects.

6. Quote Generation

Insurance chatbots can engage with potential customers on websites or apps, collecting basic information like age, location, and type of insurance required. Using this data, the chatbot can generate personalized quotes almost instantly.

This eliminates the need for customers to wait for an agent and makes the process much quicker and hassle-free. Chatbots can even suggest the best policy options based on the user’s input, improving overall customer satisfaction.

Top 3 Real-Life Examples of Insurance Chatbots

Below are some examples of how insurance companies are using chatbots to improve customer experience and streamline operations. These insurance chatbot examples showcase the diverse applications of chatbot technology in the insurance industry:

1. Lemonade AI Maya

Maya, the AI chatbot from Lemonade, transforms how insurance policies are purchased. It offers instant quotes, asks a few questions, and helps guide users through the entire process of buying home or renters’ insurance. 

Maya’s friendly and easy-to-use interface makes the experience less intimidating for many. Her tone is generally helpful and upfront about the process.

2.  Progressive Flo Chatbot 

Progressive’s chatbot, named Flo, offers an easy and efficient way to handle claims. Flo helps customers report accidents, track claims status, and provide them with relevant updates, all via automated interactions. 

Flo is known for her humorous and engaging personality. She makes the often-dry topic of insurance quotes more approachable and even enjoyable. The goal is to deliver a positive and memorable experience.

3. GEICO Virtual Assistant 

GEICO’s Virtual Assistant chatbot is designed to help policyholders manage their insurance needs quickly. Whether it’s updating a policy, answering billing inquiries, or filing a claim, the chatbot can assist customers around the clock. 

While not overly friendly or humorous, the chatbot is designed to be helpful and efficient, providing quick solutions to common problems. The emphasis is on reliability and 24/7 availability.

How to Build an Insurance Chatbot With Proprofs Chat

With ProProfs Chat, setting up an insurance chatbot is quick and easy. It helps you handle customer queries, generate leads, and offer support 24/7.

Here’s how you can create one:

1. First, go to the Bots section on your ProProfs Chat dashboard, click on +Create New Bot, and select Using AI from the dropdown. 

2. Now, let’s give your insurance chatbot the information it needs to do its job. You have two easy options:

• Use Your Website URL – Just enter your website or knowledge base link, and ProProfs Chat’s AI will scan it to pull in key details like FAQs, insurance policies info, and more.
• Add Text Manually – You can type or paste instructions, policies, support responses, or any other important information you want the chatbot to share.

Once you’ve added the details, click “Process Data” and let the chatbot get to work!

3. All the important information from your website is now organized and ready for your bot to use. ProProfs AI automatically converts your website data into helpful questions and answers, so your chatbot can easily handle customer queries.

Your insurance chatbot is now trained and ready to go!

4. Want to see it in action? Click “Preview” to start a conversation with your chatbot.

Go ahead and ask your chatbot a quick question to see how well it responds!

Congrats! You’ve just built an insurance chatbot that can engage visitors, answer their questions, and provide instant support!

That’s it! Creating an insurance chatbot is really that simple.

What Is the Future of Chatbots in the Insurance Industry?

The future of chatbots in the insurance industry looks bright, with continued advancements in AI and automation transforming the way insurers interact with customers. Here are five key points to consider:

1. Hyper-Personalized Customer Interactions

As chatbots become more sophisticated, they will be able to offer even more personalized experiences. By analyzing vast amounts of customer data, including behavior, preferences, and historical interactions, chatbots will deliver highly tailored insurance recommendations, claims support, and policy updates—ensuring a truly individualized experience.

2. Enhanced Emotional Intelligence

Future chatbots will be equipped with improved emotional intelligence, allowing them to detect a customer’s emotional state based on tone, word choice, and context. 

This will enable chatbots to provide more empathetic responses, especially in situations like claims or disputes, improving overall customer satisfaction.

3. Integration with Advanced Technologies

Chatbots will increasingly integrate with other advanced technologies, such as Internet of Things (IoT) devices and blockchain. For example, chatbots could pull real-time data from IoT-connected vehicles to assess damage or validate claims. 

Blockchain integration could further streamline policy management, ensuring data security and transparency in every interaction.

4. Proactive Claims Assistance and Risk Management

Rather than just reacting to customer inquiries, future chatbots will anticipate needs. They could proactively notify policyholders about potential risks (e.g., severe weather alerts for auto insurance) or offer suggestions on reducing insurance premiums. 

Additionally, chatbots may offer real-time assistance in managing claims, guiding customers through the entire process step by step.

5. Voice-Activated Support

With advancements in voice recognition technology, chatbots will increasingly support voice interactions. Customers will be able to speak directly to their chatbot, allowing them to file claims, check policy details, or get advice without having to type. This will make the process even more convenient and accessible, especially for users on the go.

As AI and automation continue to evolve, chatbots will become even more essential in providing seamless, efficient, and personalized services in the insurance industry.

How AI Is Transforming the Insurance Industry

The insurance industry is undergoing a major transformation with the introduction of artificial intelligence. From automating routine tasks to providing deeper insights into customer needs, here’s how AI is driving innovation and improving overall efficiency in the sector.

1. Faster Claims Processing

AI is dramatically speeding up the claims process by automatically reviewing and verifying claims data. Instead of relying on human adjusters to manually assess each claim, AI systems can quickly evaluate the information, such as photos of damage or medical records, using machine learning algorithms. 

For example, in the case of auto accidents, AI can instantly assess the damage through uploaded photos and approve the claim or flag it for further inspection, ensuring customers get their payouts faster.

2. Fraud Detection & Prevention

Fraudulent claims are a major concern for insurance companies, but AI is stepping in to reduce fraud risk. By analyzing historical claims data and identifying patterns, AI can flag potentially fraudulent claims early in the process. 

These AI systems can continuously learn from new data, becoming better at spotting subtle fraud tactics over time. This reduces the amount of money lost to fraud, which ultimately keeps premiums lower for honest customers.

3. Personalized Policy Recommendations

Gone are the days of one-size-fits-all policies. AI enables insurers to offer personalized recommendations tailored to individual needs. By analyzing customer data, including past claims, lifestyle habits, and even social media activity, AI can create highly customized insurance policies. 

This personalized approach ensures customers only pay for what they truly need, making insurance more affordable and relevant to their lifestyle.

4. Automated Customer Support

AI-powered chatbots for the insurance industry are revolutionizing customer service. These tools can handle a wide range of customer interactions, from answering frequently asked questions to assisting with policy renewals or claim status inquiries. 

They work around the clock, ensuring customers can get the help they need at any time. This significantly reduces wait times and improves overall customer satisfaction, freeing human agents to focus on more complex cases.

5. Risk Assessment & Pricing

AI is improving the way insurers assess risk and set premiums by analyzing vast amounts of data. Traditional methods of risk assessment often rely on generalized data like age, gender, and location. 

With AI, insurers can analyze more detailed factors such as driving behavior, property conditions, and even environmental factors. 

This enables insurance companies to offer fairer, more precise pricing, as well as better coverage options based on individual risk factors. 

With these AI-driven insights, insurers can improve underwriting accuracy and provide more competitive rates to customers.

Evaluation & Selection Criteria

When evaluating the top 10 insurance chatbots, several key factors were considered to ensure a comprehensive assessment. Here’s a breakdown of the criteria:

1. User Reviews & Ratings

Real user feedback from reputable sites provides valuable insights into how the chatbot performs in real-world scenarios, helping to identify both strengths and potential issues.

2. Essential Features & Functionality

The core features and functionality of each chatbot were carefully examined to ensure they offer the right tools for handling insurance-specific tasks, like answering policy questions and assisting with claims.

3. Ease of Use

The user-friendliness of the chatbot, including its interface, design, and navigation, was assessed to ensure a smooth experience for users at all levels.

4. Customer Support

The quality and availability of customer support were examined to see how efficiently each provider assists users, from setup to troubleshooting and beyond.

5. Value for Money

The cost of each chatbot was compared to the features and performance offered, ensuring that businesses get good value for the investment.

6. Personal Experience & Expert Opinion

Insights based on personal use and expert opinions were considered to highlight the chatbots that truly excel in the insurance space.

These criteria helped ensure that only the best insurance chatbots were selected.

Unlock Faster, Smarter Insurance Process With the Best AI Chatbot!

Insurance chatbots can really simplify things by speeding up processes and making everything more efficient. From answering queries to streamlining claims, these tools can significantly improve the overall experience. 

When choosing the right chatbot, consider factors like ease of use, integrations, and the ability to handle complex inquiries. Be sure to train your chatbot to ensure it offers accurate, helpful information. 

If you’re looking for the best solution that provides real-time support, seamless integration, and multilingual capabilities, ProProfs Chatbot might be the perfect fit. Check it out and see how it can transform your customer experience!