Four people have been indicted in New Jersey for their alleged roles in a scheme to file fraudulent travel insurance claims worth more than $250,000.
They are accused of taking out multiple travel insurance policies and then filing claims against them for trips t
hey never actually took and for medical emergencies they allegedly fabricated.
Attorney General Matthew J. Platkin, the Division of Criminal Justice (DCJ), and the Office of the Insurance Fraud P
rosecutor (OIFP) announced the indictment of Agustin Matos of Nor
th Haledon, New Jersey; Kenia Ivonne Vasquez of Bronx, New York;
and Keyra Carla Liriano and Patricio Arturo Alfonso, both of Fort Lee, New Jersey.
Each has been charged with conspiracy, insurance fraud, attempted theft by deception, impersonation/th
eft of identity and falsifying/tampering with records. Liriano has been additionally charged with theft by decepti
on. The indictment by a state grand jury was returned on December 5, 2025.
The case began when OIFP received a referral from the American International Group Inc. (AIG). From April 2022
to August 2023, in Bergen, Hudson and Passaic counties, New
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York, and elsewhere, the defendants allegedly opened several travel insurance policies with multiple insura
nce companies, covering the same trip to the same foreign destination. When applying for these policies, the
allegedly used false identities and provided credit card information that tied them together.
The defendants allegedly would then file claims with each carrie
r, falsely asserting they had been hospitalized abroad and had incurred thousands of dollars in medical expenses
, which were covered under the travel insurance policies. They allegedly submitted identical information to
multiple carriers, while certifying they had no other insurance covering the medical expenses or the trip.
Officials said that most of the insurance companies denied
the fraudulent claims. However, Liriano is charged with obtaining $14,835 in claim payments from
two carriers. Together, the four defendants allegedly attempte
d to defraud the insurance companies of approximately $252,852 as follows: Matos – $19,986;
Vasquez – $27,812; Liriano – $37,226; and Alfonso – $167,829.
The charges and allegations contained in the indictment are merely accusations, and the defendants are pres
umed innocent unless and until proven guilty in a court of law.