How it works
$1M Identity Theft Insurance
Up to $1,000,000 in coverage. Financial protection when identity theft becomes costly.
Our identity theft insurance helps cover eligible out-of-pocket expenses if your identity is compromised — so you’re not left paying for recovery on your own.
Coverage Features
Limit and deductible
Coverage Limit
Protection per policy period$1,000,000- Travel & care expenses
- Legal consultation & defense
- Lost wages during recovery
- Credit monitoring & reports
- Refiling & documentation costs
- Unauthorized transfer losses
Deductible
No out of pocket costs to you$0- Coverage starts immediately
- No upfront costs
- Claims without deductibles
- Simpler claims process
- No minimum expense required
- Designed for ease
What’s Covered
Four categories of reimbursement
Direct Expense Reimbursement
- Travel Expenses: Up to $2,000 for necessary travel within the US to resolve identity theft
- Childcare & Elder Care: Up to $2,000 for care expenses while handling identity restoration
- Documentation Costs: Notarizing affidavits, long-distance calls, postage, and filing fees
- Credit Monitoring: Up to 6 credit reports and ongoing credit monitoring services
- Re-filing Costs: Expenses for re-applying for loans, grants, or credit rejected due to identity theft
Legal Defense Coverage
- Legal Consultation: Up to $2,000 for initial attorney consultation and ongoing legal defense
- Civil Defense: Defense against civil suits from creditors or collection agencies
- Criminal Defense: Criminal defense fees (after establishing innocence)
- Judgment Removal: Costs to remove wrongful civil judgments
- Attorney Fees: Attorney fees for identity restoration legal processes
Lost Wages Reimbursement
- Weekly Coverage: Up to $1,500 per week for time taken off work to resolve identity theft issues
- Duration Limit: Maximum 5 weeks coverage per policy period
- Time Off Types: Includes vacation days, personal days, and other paid time off used
Electronic Fund Transfer Protection
- Transfer Reimbursement: Reimbursement for unauthorized electronic transfers from your personal accounts
- Principal Coverage: Covers the principal amount stolen (after seeking reimbursement from your bank first)
Eligibility Requirements
Who is covered, and when
This policy is offered by AIProtection.org partner “Identity and Credit Services” and their policy issued by American International Group, Inc.3 To be eligible for coverage, you must:
- Report any stolen identity event or unauthorized transfer within 90 days of discovery
- Follow the provided claims kit instructions, including notifying credit bureaus, the FTC Identity Theft Hotline, and law enforcement
- Discover the identity theft while enrolled in the protection program
- File claims through the designated claims process
Trusted by Leading Partners
Backed by proven infrastructure
We work with established technology, security, and financial partners to help monitor, detect, and respond to identity-related threats. These relationships allow us to deliver reliable protection backed by proven infrastructure.
Plan Features Explained
What your plan includes
From monitoring to alerts to recovery support, here’s what your plan includes.
$1M Insurance Coverage
Provides up to $1 million in identity theft insurance to help you cover eligible recovery-related expenses.
Coverage When You Need It
Insurance coverage applies while your identity protection plan remains active and in good standing.
Expense Reimbursement
Helps reimburse eligible out-of-pocket costs such as legal fees, lost wages, and document replacement.
Financial Peace of Mind
Reduces the financial impact of identity theft so you can focus on resolving the issue, not the cost.
Recovery Support Included
Insurance works alongside identity restoration specialists who help guide you through the recovery process.
Protection for Your Household
Coverage can extend to eligible family members depending on your selected plan.
See what our members say
Members
Our members trust AI Protection for early detection, clear alerts, and real human support when it matters most. From preventing fraud before it starts to helping recover after an incident, we’re built to reduce stress and give you confidence in an increasingly risky digital world.
“Their restoration team walked me through every step. I wouldn’t have survived identity theft without them.”Allen Walker
“The insurance coverage alone is worth it, but having real people guide you through the process is what actually matters.”Chris Mateo
“Best value I’ve found for identity protection. Clear coverage, no surprises, and no pressure to upsell.”Paul Harrisson
FAQs
Questions, answered
What is identity theft insurance?
Identity theft insurance helps reimburse certain out-of-pocket costs you may incur while fixing identity theft—things like paperwork, replacement documents, and other recovery-related expenses—based on the terms of the policy.
How is AI Protection’s identity theft insurance different from “identity monitoring”?
Monitoring is about detecting risk (alerts, scans, signals). Insurance is about helping financially with recovery after a covered identity theft event—so you’re not stuck paying the cleanup costs alone.
How much coverage do I get?
AI Protection markets coverage up to $1M for identity theft protection/insurance (details and limits depend on plan and policy terms).
What types of identity theft situations can this help with?
Common examples include impersonation-driven fraud, account takeovers, new accounts opened in your name, and other identity misuse—including cases that may be triggered or amplified by AI-enabled scams (deepfakes, voice cloning, synthetic identity tactics). Coverage depends on the policy terms.
What does it typically reimburse?
In many identity theft insurance policies, reimbursement can include certain recovery expenses (for example: document replacement fees, notarization, postage/courier, and similar administrative costs). Exact covered expense categories vary—your policy documents control.
What usually isn’t covered?
Often excluded (varies by policy): costs not directly tied to recovery, losses from unauthorized transactions that your bank already reimburses, pre-existing/known fraud before coverage began, and certain business-related identity issues. Always defer to the policy exclusions and definitions.
How do I file a claim if my identity is stolen?
Typically: (1) report the incident as soon as you suspect misuse, (2) gather proof (alerts, bank letters, FTC/police reports if required), (3) document your expenses and timelines, and (4) submit via the insurer/administrator process. Your plan’s instructions will list the exact steps and required documentation.
How fast can I get help once something happens?
If identity theft is suspected, the best outcome comes from acting immediately: freeze credit (if relevant), secure accounts, and start documenting everything. Insurance reimbursement timing depends on how quickly documentation is provided and the claim is reviewed.
Does this cover my family too?
Yes. Choose a Family plan to cover eligible family members under one account. Individual plans cover one person. Insurance limits and who’s eligible follow your plan and policy terms.
If I cancel, do I keep coverage?
Coverage typically ends at the end of your paid period (monthly or annual), and claims generally must relate to incidents that occur while coverage is active—again, subject to the policy terms.