How QuillsFlow processes a veterinary insurance claim.
The hard part of veterinary insurance isn't the form. It's making sure the estimate, the clinical evidence, the decision, and the money all agree. This is the engineering that does it.
Eight states. One source of truth.
A claim advances through eight defined states. It cannot skip a state, end up somewhere undefined, or be edited after a signature — the state machine, not any individual, decides what happens next. Hover a state above to see the engineering behind each step.
Every transition keeps its source, timestamp, and accountable reviewer in an append-only history.
Built so the numbers always agree.
Technical detail
The financial spine
Four subsystems, one reconciled outcome
- A claim state machine guarantees every step happens in order, with a source, timestamp, and accountable reviewer on each transition.
- A transparent fee engine derives client and insurer shares from published, versioned tiers and shows them before care is delivered.
- A double-entry ledger records every movement of funds, so clinic, insurer, and owner shares always balance.
- Six carrier exchange methods meet each insurer on the systems it already runs, with receipts retained for provable delivery.
Security as a design principle.
Our security controls roadmap is aligned to insurer expectations. Independent certifications are planned and will be published when complete.
Go deeper: Briefing, Part 4 · Briefing, Part 6