When to engage CAG

Engage CAG When the Reported Event Requires Validation

• Documentation exists, but it is unclear whether the reported event occurred as presented.

• Screenshots, emails, receipts, or records require independent examination.

• Multiple sources of information need to be reconciled and evaluated together.

• The available evidence raises questions that cannot be resolved through routine review alone.

Engage CAG When Facts and Documentation Do Not Fully Align

• Reported timelines conflict with available records.

• Key events appear inconsistent across sources.

• Documentation raises additional questions rather than resolving them.

• The chronology of events materially affects claim evaluation.

Engage CAG When Fraud Indicators Require Context

• Multiple indicators are present but their significance remains unclear.

• Evidence appears unusual but does not independently establish misconduct.

• Additional analysis is needed before determining investigative direction.

• The totality of the evidence must be evaluated rather than individual documents in isolation.

Engage CAG When Travel Claims Require Additional Review

• Trip cancellation claims involving documentation or chronology concerns.

• Trip interruption claims where supporting evidence requires validation.

• Medical abroad claims involving record verification or unusual circumstances.

• Lost, stolen, or delayed baggage claims involving ownership, valuation, or event validation.

• Claims involving multiple countries, suppliers, records, or documentation sources.

Engage CAG When Decisions Must Be Well Supported

• High-value claims.

• Litigation-sensitive matters.

• Claims subject to audit, regulatory, or legal scrutiny.

• Situations where an independent analytical review may strengthen claim defensibility.

What CAG Delivers

• Independent review of facts and evidence

• Analysis of chronology, documentation, and claim circumstances

• Assessment of fraud indicators within the context of the entire claim

• Clear distinction between verified facts and analytical observations

• Concise findings focused on what the evidence supports

The presence of documentation does not automatically establish that an event occurred as reported.CAG evaluates the totality of the available evidence to determine what can be verified, what remains unconfirmed, and what the record actually supports.