Identity Theft Protection
Monitoring tells you something happened. Restoration is the part that fixes it, and it is the part worth paying for, because recovery is measured in dozens of hours.
- Credit and dark web monitoring with real alerts
- A restoration specialist who does the work, not a checklist
- Reimbursement for the costs recovery creates
Request a identity theft protection quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a identity theft protection policy actually does
-
Credit monitoring
Alerts when accounts, inquiries, or address changes appear on your credit file, commonly the first visible sign of misuse.
-
Dark web and data monitoring
Scanning for your Social Security number, email addresses, and card numbers appearing in breach dumps and marketplaces.
-
Restoration services
A specialist who contacts creditors and bureaus, files disputes, and manages the paperwork. Self-service recovery routinely takes well over a hundred hours.
-
Expense reimbursement
Legal fees, notarisation, certified mail, and documented lost wages incurred while recovering your identity.
-
Stolen funds reimbursement
Coverage for unrecovered losses from fraudulent transfers, subject to the plan's limit and terms.
-
Losses your bank already reimburses
Card fraud is largely covered by federal law and card network rules. The plan addresses what those do not.
-
Fraud you participated in
Losses arising from your own knowing involvement are excluded.
-
It cannot prevent a breach
No service stops your data being exposed by a company that holds it. It shortens the time between exposure and response.
Identity Theft Protection questions
Can I not just freeze my credit for free?
Yes, and you should. A freeze is free and effective. What it does not do is monitor for misuse of your existing accounts or handle the recovery work if something happens anyway.
How fast are alerts?
Near real time for credit file changes. Dark web findings depend on when data surfaces, which can be months after a breach.
Does it cover my whole family?
Family plans typically cover a spouse and minor children. Child identity theft is worth taking seriously. It often goes undetected for years.
What does restoration actually involve?
Filing reports, disputing entries with all three bureaus, contacting each affected creditor, and following up until it is resolved. That follow-up is where a service earns its cost.
Related coverage
-
Pet Insurance
Reimburses a share of veterinary costs for accidents and illness. Enroll before a condition appears: pre-existing conditions are excluded.
-
Travel Club & AD&D
Travel assistance benefits paired with accidental death and dismemberment coverage for trips away from home.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.