# InsertChat pricing and plan limits

Source: https://insertchat.com/pricing

> Monthly and annual prices in USD, included capacity, and additional channel costs.

Prices in USD. Annual plans are paid upfront; the monthly equivalent is not a monthly billing option. Enterprise prices are starting prices. Review checkout for the exact offer and applicable taxes.

| Plan | Monthly billing (USD/month) | Annual billing (USD/year, upfront) | Annual monthly equivalent (USD/month) |
| --- | --- | --- | --- |
| Pro | $98 | $980 | $81.67 |
| Growth | $198 | $1,980 | $165 |
| Scale | $498 | $4,980 | $415 |
| Enterprise | From $998 | From $9,980 | From $831.67 |

## Included features and limits

| Included with your plan | Pro | Growth | Scale | Enterprise |
| --- | --- | --- | --- | --- |
| AI assistants | 3 | 20 | 50 | 100 |
| Team seats | 3 | 5 | 10 | 25 |
| Knowledge sources | 1,000 | 5,000 | 25,000 | 50,000 |
| Credits each month | 5,000 | 10,000 | 25,000 | 50,000 |
| Maximum size per file | 20 MB | 25 MB | 50 MB | 50 MB |
| Shared inbox & human handoff | Included | Included | Included | Included |
| Your logo & assistant styling | Included | Included | Included | Included |
| Bring your own AI keys | Included | Included | Included | Included |
| Custom domain & branded email | Not included | Included | Included | Included |
| API access | Not included | Included | Included | Included |
| Webhooks & S3/R2 knowledge sync | Not included | Not included | Included | Included |
| Conversation analytics | Not included | Not included | All time | All time |
| Analysis reports | Not included | Not included | Included | Included |
| Support | Email | Email | Priority | Dedicated agent |

## What every Pro plan includes

- **$98**: A month for Pro, or $81.67 a month billed annually
- **24/7**: AI receptionist call answering, with your choice of routing
- **1**: Phone number included; additional numbers are $10 a month
- **5,000**: AI credits each month, shared by calls and written conversations
- **3**: AI assistants, each with its own knowledge, voice, and branding
- **3**: Team seats for the shared inbox and human handoff
- **1,000**: Knowledge sources: pages, documents, and written answers
- **7 days**: Free trial with 500 credits for new customers

## AI usage

Plans include monthly credits. How many you use depends on your selected model, conversation length, knowledge processing, and tools. Credits are not a fixed number of messages.

## Phone numbers & calls

Each paid plan includes one phone number. Additional numbers cost $10 per month each. Calls use credits, round up to whole minutes, and have a one-minute minimum. Rates and number availability depend on your setup.

## Connected services

Provider subscriptions, SMS, WhatsApp, and other connected services may have their own charges. Review your channel configuration and checkout for the exact offer and taxes.

## What a 3-minute call costs: receptionist, answering service, or AI

A full-time receptionist earns a median $18.27 an hour in the US, about $3,168 a month before benefits. Human answering services charge by the minute or the call: about $5.94 to $15.00 for a 3-minute call on their entry plans. InsertChat Pro works out to about $0.71 per 3-minute call, with chat, email, and texts on the same plan.

| Option | What you pay | How it’s billed | One 3-minute call |
| --- | --- | --- | --- |
| Full-time receptionist (in-house) | $18.27 an hour median wage (BLS, May 2025), about $3,168 a month before benefits and payroll taxes | One person’s scheduled hours; one call at a time | Depends on call volume |
| Ruby | $250 a month for 50 minutes | Bundles of minutes: 50, 100, 200, or 500 a month ($250 to $1,725) | About $15 |
| PATLive | $99 a month for 50 minutes | Bundles of minutes from 50 a month, then $2.29 per additional minute on that plan | About $5.94 |
| Smith.ai (human-first) | $300 a month for 30 calls | Per call: $11.50 for each call beyond the 30 included | About $10 |
| InsertChat Pro (AI) | $98 a month with 5,000 credits and one phone number | About 416 call minutes at the example rate, with website chat, SMS, email, and WhatsApp on the same plan | About $0.71 |

Third-party prices and wages checked on October 13, 2026 from each source’s public page; taxes, setup terms, and plan details can change, so confirm with the provider. The 3-minute call column divides each entry plan’s price by what it includes. InsertChat’s figure assumes Pro’s 5,000 monthly credits are spent only on calls at the estimator’s example rate of 12 credits per billable minute.

Sources: [Bureau of Labor Statistics, Receptionists (May 2025 data)](https://www.bls.gov/ooh/office-and-administrative-support/receptionists.htm); [Ruby pricing](https://www.ruby.com/pricing/); [PATLive pricing](https://www.patlive.com/pricing/); [Smith.ai (human-first) pricing](https://smith.ai/pricing).

## How much does InsertChat cost per month?

Monthly plans are Pro $98, Growth $198, Scale $498, Enterprise from $998 in USD. Each plan includes AI assistants, team seats, knowledge sources, and monthly credits. Compare the allowances above to choose a plan for your team.

## Is there a free trial?

New customers can try Pro free for 7 days with 500 credits. A card is required at checkout, and the Pro plan starts when the trial ends unless you cancel first.

## How does annual billing work?

Annual plans are charged upfront for the year at the cost of ten monthly payments, equivalent to two months free. The displayed monthly equivalent helps you compare plans; it is not a monthly payment option. Enterprise prices are starting prices.

## What do AI credits cover?

Plans include monthly credits. How many you use depends on your selected model, conversation length, knowledge processing, and tools. Credits are not a fixed number of messages.

## Are phone numbers and calls included?

Each paid plan includes one phone number. Additional numbers cost $10 per month each. Calls use credits, round up to whole minutes, and have a one-minute minimum. Rates and number availability depend on your setup.

## Do connected services have additional costs?

Provider subscriptions, SMS, WhatsApp, and other connected services may have their own charges. Review your channel configuration and checkout for the exact offer and taxes.

## Is the usage estimator an exact quote?

No. The estimator uses your activity inputs and editable example credit rates. Count written conversations separately from calls. It rounds each call up to whole minutes and excludes knowledge processing, extra tools, transfers, and additional phone numbers. Actual usage depends on your model and configuration.

## Does every plan include the AI receptionist?

Yes. Every paid plan includes the AI receptionist with one phone number, website chat, the shared inbox, and human handoff. Higher plans add assistants, seats, credits, knowledge sources, API access, and reporting.

## Is InsertChat cheaper than a receptionist or an answering service?

For answering calls, by a wide margin. Pro is $98 a month; spent only on calls at the estimator’s example rate, that is about $0.71 per 3-minute call, and the same plan answers website chat, email, and texts. The cost comparison above shows a receptionist’s median wage and human answering-service prices, with sources.

## Which plans include API access and reporting?

Growth, Scale, and Enterprise include API access. Scale and Enterprise also include conversation analytics, analysis reports, webhooks, and S3/R2 knowledge sync. The comparison table lists the features and limits for each plan.

[Interactive usage estimator](https://insertchat.com/pricing#usage-estimate): the editable example rates are assumptions, not fixed prices or a quote.