Identity Theft Insurance
Protect Your Identity, Credit and Digital Life With IDShield
Identity theft can affect your finances, credit, privacy, reputation and peace of mind. IDShield helps monitor personal information, detect suspicious activity and provide full-service identity restoration if fraud occurs.
What does identity theft insurance do?
Identity theft insurance helps monitor personal and financial information, alert you to certain signs of suspicious activity and support you if your identity is stolen.
Monitoring
Cybersecurity tools
Restoration help
Identity theft can create problems long after the first fraudulent charge
Identity theft happens when someone uses personal information without permission. That information may include a Social Security number, date of birth, address, account credentials, medical information, driver’s license information or financial account details. Criminals may use stolen data to open accounts, apply for loans, take over existing accounts, redirect mail, obtain services or commit other forms of fraud.
The damage is not always obvious right away. A stolen identity can lead to unfamiliar credit inquiries, new accounts, collection notices, changes to public records, fraudulent transactions, damaged credit or unexpected medical and legal complications. In some cases, victims spend months trying to determine what happened and which organizations need to be contacted.
Credit monitoring alone may help identify certain changes, but identity theft can extend beyond a credit file. Personal information can appear on the dark web, social media can expose sensitive details, public records can be manipulated and financial accounts can be targeted even when no new credit account is opened.
IDShield combines monitoring, alerts, privacy tools, cybersecurity features and restoration assistance. The goal is not only to alert you when certain activity is detected, but also to provide experienced help if your identity is compromised.
What does IDShield include?
IDShield is designed to monitor multiple areas of your identity and digital life while providing access to help if suspicious activity or identity theft occurs.
Dark web monitoring
Scans online sources for personally identifiable information that may have been exposed, traded or shared.
Credit monitoring
Provides alerts related to credit report changes and key indicators of possible identity theft or fraudulent activity.
Financial account monitoring
Can alert you to withdrawals, transfers or purchases above a threshold you choose on connected financial accounts.
Privacy and cybersecurity tools
Includes tools such as malware protection, a VPN and a password manager to help protect your digital activity.
Family protection
Family plans can include monitoring for a spouse or partner and minor children, depending on the selected plan.
Full-service identity restoration
Licensed private investigators assist with the work required to help restore your identity to its pre-theft status.
Monitoring that looks beyond a single credit report
Identity theft can begin in many places. A broader monitoring approach may help identify warning signs that traditional credit monitoring alone could miss.
Credit and application activity
IDShield plans may include one-bureau or three-bureau credit monitoring, hard credit inquiry alerts, high-risk application and transaction monitoring, credit threat alerts and a monthly credit score tracker. These tools can help you notice activity that may indicate someone is applying for credit or services in your name.
Credit monitoring does not prevent every form of fraud, but timely alerts can help you investigate unusual activity sooner and take steps such as contacting a creditor, placing a fraud alert or requesting a credit freeze.
Public, court and address records
Public records monitoring, court records monitoring and address change monitoring can provide another layer of visibility. These alerts may be important when personal information is used in ways that do not immediately appear on a credit report.
The service also includes monitoring categories such as telecom, payday loans, sub-prime activity and other higher-risk applications that may be associated with identity fraud.
Receive alerts and know where to turn next
Monitoring is most useful when it is paired with support. IDShield provides live member assistance and identity consultation services to help members understand alerts and possible next steps.
What happens if your identity is stolen?
Discovering identity theft can be overwhelming. Victims may need to contact financial institutions, creditors, government agencies, credit bureaus, healthcare organizations, collection companies and other businesses. Each organization may require different documentation, forms and follow-up.
IDShield provides full-service identity restoration through dedicated licensed private investigators. The goal is to help restore a member’s identity to its pre-theft status. Restoration support can be especially valuable because identity theft cases are rarely resolved with a single phone call or dispute.
The service includes an unlimited service guarantee. According to the plan description, restoration specialists continue working for as long as it takes to help recover and restore the member’s identity, subject to the plan terms and member contract.
Members also have access to 24/7 emergency assistance for urgent identity theft situations. This can help reduce the uncertainty of trying to determine whom to call after discovering a lost wallet, suspicious account activity or another identity-related emergency.
Protect the devices and connections you use every day
Identity theft protection is not only about watching credit reports. Everyday digital habits can expose personal information through weak passwords, malicious websites, infected devices, phishing attempts and unsecured Wi-Fi networks.
IDShield includes access to Trend Micro Maximum Security, which uses cloud-based technology to help protect against malware and other online threats. Malware protection can help identify and block harmful files, websites and software that may attempt to steal information or damage a device.
VPN Proxy One helps encrypt internet communications when you connect in places such as hotels, cafes, offices and schools. A VPN can be especially useful on public or unfamiliar Wi-Fi networks, where your online activity may otherwise be more exposed.
The included password manager can create and store strong passwords, identify weak credentials and make it easier to use unique passwords across multiple accounts. Reusing the same password can allow one compromised account to put several others at risk.
Take greater control of your personal information online
Personal details shared online can make it easier for criminals to answer security questions, impersonate someone or create convincing scams. Social media posts may reveal a home address, date of birth, email address, family relationships, travel plans or other information that can be combined with data from a breach.
IDShield includes social media monitoring for information that may put your privacy at risk. It can also scan connected accounts for harmful language, images or content that may affect your online reputation.
Reputation management and a reputation score can help identify potentially damaging content and provide tips for improving your online profile. These tools may be useful for individuals, parents and families who want more visibility into how personal information appears online.
Privacy management tools are intended to help members understand and reduce exposure. They do not remove every piece of personal information from the internet, but they can provide a more organized way to identify risks and take action.
Choose protection for yourself or your household
Identity theft can affect adults and children. Family coverage can help households monitor more than one person’s information under a single membership.
Individual identity protection
An individual plan may be appropriate for someone who wants monitoring, alerts, cybersecurity tools and restoration support for their own identity.
This can be especially helpful for frequent online shoppers, travelers, remote workers, older adults, people affected by data breaches and anyone who wants professional help available if identity fraud occurs.
Family identity protection
Family plans are designed to extend eligible protection to covered family members and can include minor child monitoring.
Children can be attractive targets because identity theft may remain undiscovered until a parent applies for a benefit, opens an account or the child later applies for credit. Monitoring can provide an earlier warning when certain suspicious activity is detected.
Identity theft protection features at a glance
Who should consider identity theft protection?
Identity theft protection may be worth considering for anyone who wants help monitoring personal information and access to restoration support. It may be especially relevant for people who have already been affected by a data breach, experienced fraud in the past or manage a large number of online accounts.
Older adults may appreciate access to live support and licensed investigators, particularly because identity scams often involve Social Security, Medicare, tax, banking or impersonation schemes. Families may value minor child monitoring and household coverage. Frequent travelers and remote workers may benefit from VPN access and additional digital security tools.
Small business owners, professionals and job seekers may also place a higher value on reputation monitoring and password security. People who frequently use public Wi-Fi, shop online or store financial information on devices may want added cybersecurity support.
No identity protection service can prevent every crime or guarantee that personal information will never be exposed. The value is in combining monitoring, alerts, tools and professional help so you are not managing an identity theft event alone.
Questions to ask before enrolling
Does the plan monitor more than credit?
Look for dark web, public records, financial account, application, telecom and other monitoring that reflects how identity theft occurs today.
What happens after an alert?
Alerts are more useful when live support is available to help explain the activity and determine possible next steps.
Is restoration handled for you?
Full-service restoration can reduce the burden of contacting multiple organizations and managing a complex fraud case without professional help.
Are cybersecurity tools included?
A VPN, password manager and malware protection can help reduce everyday digital risk in addition to monitoring identity activity.
Do you need individual or family coverage?
Compare who is eligible under the membership and whether minor child monitoring is included in the family option.
What are the plan terms and state-specific details?
Benefits and prices may vary by state and plan. Review the member contract and plan details before enrolling.
Identity theft protection FAQs
Answers to common questions about identity monitoring, restoration and digital privacy.
What is identity theft insurance?
Identity theft insurance generally refers to coverage or services that may help with certain expenses and support after identity theft. IDShield combines monitoring, alerts, cybersecurity tools, restoration services and an identity fraud protection plan, subject to the applicable terms and member contract.
Does identity theft protection prevent identity theft?
No service can guarantee that identity theft will never happen. Identity protection is designed to monitor certain activity, alert you to possible warning signs and provide tools and restoration assistance if fraud occurs.
What is dark web monitoring?
Dark web monitoring scans online sources for personal information such as email addresses, credentials or other identifying data that may have been exposed or shared.
Is credit monitoring enough?
Credit monitoring can identify certain changes to credit files, but identity theft may also involve bank accounts, public records, telecom accounts, payday loans, medical information or online credentials. Broader monitoring may provide additional visibility.
What does full-service identity restoration mean?
Full-service restoration means trained specialists help with the process of recovering from identity theft rather than only giving you a checklist of organizations to contact.
Does IDShield include 24/7 help?
The plan description includes 24/7 emergency assistance for identity theft emergencies, along with live member support.
Can IDShield protect my children?
Family plans may include minor child monitoring. Review the plan details to confirm eligible family members and the services available.
Does IDShield monitor financial accounts?
Financial threshold account monitoring can provide alerts for certain withdrawals, transfers or purchases above an amount selected by the member on connected accounts.
Does the plan include a VPN and password manager?
Yes. The plan description includes VPN Proxy One and a password manager, along with Trend Micro Maximum Security.
How much does IDShield cost?
The referenced plan page states that plans start at $14.95 per month. Actual pricing, available options and benefits may vary by plan and location.
What is the $3 million identity fraud protection plan?
The plan feature list includes a $3 million identity fraud protection plan. Coverage is subject to the plan terms, limitations, exclusions and member contract.
How quickly should I respond to an identity theft alert?
Review unexpected alerts promptly. If the activity is not yours, contact member support and follow recommended steps such as contacting the affected institution, placing a fraud alert or freezing credit.
Protect your identity before you have to restore it
Explore IDShield options for personal or family identity monitoring, digital security tools, live support and full-service restoration assistance.