How Churo works
From disorganized travel documents to a filing-ready claim packet in seven clear steps.
Upload your documents
Drag and drop your itinerary, boarding passes, receipts, delay notices, and card statements. We accept PDF, JPG, PNG, and more.
Select your benefit card or provider
Choose from our supported issuers and card products. We match your card to its specific coverage rules.
AI extracts facts from your documents
Our system identifies dates, times, amounts, carriers, and other key details from your uploaded files.
Structured rules engine checks claim criteria
Each extracted fact is compared against the coverage rules for your specific card and claim type.
Missing docs and filing windows identified
We flag exactly what evidence is still needed and whether your filing deadline is approaching.
Claim packet or checklist is generated
Download a structured packet with your organized evidence, expense summary, and filing instructions.
You file with your provider
Submit your prepared claim packet directly to your card issuer or benefit administrator.
What we do vs. what we do not do
What we do
- Organize your documents
- Extract facts from uploaded files
- Map evidence to claim criteria
- Show likely claim pathways
- Prepare your claim packet and checklist
- Identify missing documents and deadlines
What we do not do
- Guarantee approval or payout
- Act as an insurer or benefit administrator
- Provide legal advice
- Submit claims on your behalf
- Replace the provider's final decision
- Store sensitive financial credentials