AI prompt to answer 'am I covered for this?' questions

Fast, accurate answers to everyday requests keep clients loyal and free up staff time. AI helps write replies, scripts and templates, and chat or phone AI tools can handle routine requests around the clock.

Below is a ready-to-copy prompt to answer 'am I covered for this?' questions, a detailed version that asks you clarifying questions first, and 2 specialized AI tools (Tidio and Intercom Fin) with instructions for this task. It also works in ChatGPT, Claude, Gemini or Copilot.

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The prompt

Write a careful reply template to 'am I covered for [situation]?' that explains coverage depends on the policy wording and the carrier's claim decision, offers to review the policy together, and avoids promising coverage. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.

Detailed version (asks clarifying questions first)

Act as an experienced assistant to a licensed insurance agent. Before answering, ask me up to 3 clarifying questions (the type of policy, whether it's an email, text or call, and tone). Then complete this task, and finish with a short checklist of statements I should verify with my compliance team.

Task: Write a careful reply template to 'am I covered for [situation]?' that explains coverage depends on the policy wording and the carrier's claim decision, offers to review the policy together, and avoids promising coverage. Use placeholders like [First Name] and [Policy Type]; never include real client data; the carrier makes final decisions.

What a good result looks like

A good reply to 'am I covered?' is careful and helpful: it explains that coverage depends on the policy wording and the insurer's claim decision, offers to review the policy together and, where appropriate, suggests reporting the claim so the insurer can decide.

Common mistakes and watch-outs

Never say 'yes, you're covered' or 'no, you're not' in writing before reviewing the policy, and don't discourage a client from reporting a claim. Document the question and your answer. Chatbots (Tidio, Intercom Fin) must route these questions to a licensed person.

How to adapt the prompt

Write versions for before-the-fact questions (planning a trip, renting a car) and after a loss. Add a short internal checklist for reviewing the policy.

EXAMPLE output (placeholder data, not a real client)

Subject: Your coverage question

Hi [First Name],

Thanks for asking about [Situation]. Whether it's covered depends on your [Policy Type] policy wording and, if there's a claim, the insurance company's decision.

Here's how I can help:
1. Review your policy with you and point out what's relevant.
2. If something has already happened, help you report it to [Carrier Claims Line] so the insurer can review it.

Can we talk today? [Phone]

[Agent Name]

How to use it

Copy the prompt. Copy the short prompt above, or the detailed version if you want the AI to ask clarifying questions first.
Fill in the placeholders. Replace [situation], [First Name] and [Policy Type] with your own details. Use placeholders or de-identified details; never paste client personal information.
Run it in the right tool. Paste it into ChatGPT, Claude, Gemini or Copilot, or use Tidio and Intercom Fin as described below.
Review before you use it. Check the client's actual policy and account details in your system before you send anything. Check every fact, name and number yourself.
Take the next step. Next, see: Explain a coverage or policy term to a client.

Best AI tools for this task

Specialized tools first, ordered by fit for this task (never by payout), then any general AI assistant.

Tidio site ↗

Website chat with the Lyro AI agent for answering questions and capturing leads.

How to use it

Add this answer to Tidio's Lyro AI agent so it can handle the question on your website.

Intercom Fin site ↗

AI customer service agent for chat, email and voice support.

How to use it

Add this answer to Fin's knowledge so it can resolve the question over chat or email.

Any AI assistant

ChatGPT Claude Google Gemini Microsoft Copilot

Paste the prompt above (short or detailed) into any of these.

Before you use it

Check the client's actual policy and account details in your system before you send anything.
Coverage depends on the actual policy form, state and carrier; tell clients to check their own policy.
Don't say something is or isn't covered without reviewing the policy.
Never paste client personal information (names, policy numbers, health or financial details) into AI tools your agency hasn't approved.
Review every AI output for accuracy and compliance before you use it.

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