What is Identity Theft Insurance?
Identify Theft coverage is a travel insurance benefit that provides assistance with the services and costs associated with recovering your stolen identity and credit. This can include assisting in freezing credit cards, reporting identity fraud to local authorities, pulling free credit reports, and more.
Identity Theft coverage can provide peace of mind to those worried about scams, misplacing important documents, data breaches, and more while traveling. Not all travel insurance policies include this coverage, and coverage can vary widely among those that do.
What Does Identity Theft Insurance Cover?
The Identity Theft benefit is designed to cover travelers that experience an identity theft event during a covered trip. The extent of coverage and assistance services that your travel insurance policy offers will depend on your specific provider and plan.
In general, most providers that offer this insurance coverage may offer the following services:
- Work with you to review credit history and reports to determine if fraud or theft occurred
- Assist with ordering credit bureau records
- Identify proper law enforcement to report identity theft to
- Place a fraud alert with major credit-reporting agencies
- Assist in notifying appropriate authorities if credit cards, driver’s license, social security card, passport, and other documents are lost while traveling
- Assist in making credit card companies aware of your id theft
- Notarization of legal documents
- Provide credit monitoring services if you’re proven to be a victim of identity theft
It’s important to note that the above items are examples of identity theft protection services that a travel insurance company may provide if they offer this benefit. For a full view of the specific types of identity theft protection your insurance company offers, you may reference your Certificate of Insurance at any time.
Protecting Your Identity While Traveling
Identify theft can occur at any time, even while you’re on vacation. Having your identity or credit stolen can cause you significant stress and financial loss if you’re not vigilant.
Here are a few tips you should keep in mind to keep your identity safe while traveling:
- Keep Important Documents Safe: Don’t make it easy for identity thieves to access your credit cards, passport, social security number, and other identifying information. Keep valuables and documents in a safe space.
- Be Vigilant When Exploring: Be mindful of scams and phishing attempts when exploring your destination.
- Regularly Monitor Bank Accounts for Suspicious Activity: When traveling, keep an eye on your checking and savings accounts, as well as your credit and debit card activity, to quickly spot irregular purchases or stolen funds.
- Contact Your Insurance Provider & Financial Institutions: Contacting appropriate parties after fraud has occurred can help mitigate your losses and begin the process of regaining control of your identity.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Identity Theft coverage.
Looking for a policy with Identity Theft coverage?
Enter your trip information on our custom quote form. Once you receive your results, select the Identity Theft filter to find the best policy for your trip with the coverage that you need.
What Does Identity Theft Insurance Cover?
The Identity Theft benefit is designed to cover travelers that experience an identity theft event during a covered trip. The extent of coverage and assistance services that your travel insurance policy offers will depend on your specific provider and plan.
In general, most providers that offer this insurance coverage may offer the following services:
- Work with you to review credit history and reports to determine if fraud or theft occurred
- Assist with ordering credit bureau records
- Identify proper law enforcement to report identity theft to
- Place a fraud alert with major credit-reporting agencies
- Assist in notifying appropriate authorities if credit cards, driver’s license, social security card, passport, and other documents are lost while traveling
- Assist in making credit card companies aware of your id theft
- Notarization of legal documents
- Provide credit monitoring services if you’re proven to be a victim of identity theft
It’s important to note that the above items are examples of identity theft protection services that a travel insurance company may provide if they offer this benefit. For a full view of the specific types of identity theft protection your insurance company offers, you may reference your Certificate of Insurance at any time.
Protecting Your Identity While Traveling
Identify theft can occur at any time, even while you’re on vacation. Having your identity or credit stolen can cause you significant stress and financial loss if you’re not vigilant.
Here are a few tips you should keep in mind to keep your identity safe while traveling:
- Keep Important Documents Safe: Don’t make it easy for identity thieves to access your credit cards, passport, social security number, and other identifying information. Keep valuables and documents in a safe space.
- Be Vigilant When Exploring: Be mindful of scams and phishing attempts when exploring your destination.
- Regularly Monitor Bank Accounts for Suspicious Activity: When traveling, keep an eye on your checking and savings accounts, as well as your credit and debit card activity, to quickly spot irregular purchases or stolen funds.
- Contact Your Insurance Provider & Financial Institutions: Contacting appropriate parties after fraud has occurred can help mitigate your losses and begin the process of regaining control of your identity.
Protecting Your Identity While Traveling
Identify theft can occur at any time, even while you’re on vacation. Having your identity or credit stolen can cause you significant stress and financial loss if you’re not vigilant.
Here are a few tips you should keep in mind to keep your identity safe while traveling:
- Keep Important Documents Safe: Don’t make it easy for identity thieves to access your credit cards, passport, social security number, and other identifying information. Keep valuables and documents in a safe space.
- Be Vigilant When Exploring: Be mindful of scams and phishing attempts when exploring your destination.
- Regularly Monitor Bank Accounts for Suspicious Activity: When traveling, keep an eye on your checking and savings accounts, as well as your credit and debit card activity, to quickly spot irregular purchases or stolen funds.
- Contact Your Insurance Provider & Financial Institutions: Contacting appropriate parties after fraud has occurred can help mitigate your losses and begin the process of regaining control of your identity.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Identity Theft coverage.
Looking for a policy with Identity Theft coverage?
Enter your trip information on our custom quote form. Once you receive your results, select the Identity Theft filter to find the best policy for your trip with the coverage that you need.
Identity Theft by Provider
AXA Assistance USA
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 1 |
Covered |
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IDENTITY THEFT SERVICES If you suddenly find yourself missing your identification, credit or debit cards, or other important personal or financial documents, while traveling we can provide an Identity Theft solution. This service provides: Education & Protection, Personal Guidance, & Assistance with Emergency Funds. |
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| 2 |
Covered |
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IDENTITY THEFT SERVICES If you suddenly find yourself missing your identification, credit or debit cards, or other important personal or financial documents, while traveling we can provide an Identity Theft solution. This service provides: Education & Protection, Personal Guidance, & Assistance with Emergency Funds. |
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| 3 |
Covered |
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IDENTITY THEFT SERVICES If you suddenly find yourself missing your identification, credit or debit cards, or other important personal or financial documents, while traveling we can provide an Identity Theft solution. This service provides: Education & Protection, Personal Guidance, & Assistance with Emergency Funds. |
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Generali Global Assistance
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 4 |
Covered |
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DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES If you believe you are victim of Identity Theft, please contact our assistance provider at (877) 243-4135. A description of the service and terms of use are provided below. The assistance provider treats each “Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for you any or all of the following steps necessary to attempt to undo or prevent further damage upon receipt, by you, of a duly completed and executed “Authorization Form”. • Obtain all pertinent credit information and history from you on the phone to determine if a fraud or theft has occurred. • Educate you on how Identity Theft occurs and inform you of protective measures to take to avoid further occurrences. • Provide you with a helpful ID Theft Resolution Kit. • Provide you with a uniform ID Theft Affidavit (“Affidavit”), answer any question with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors. • Obtain list of creditors to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence. • Report or assist you in reporting the fraudulent activity to the local authorities and forward a report of the said fraudulent activity to your creditors. • Notify all three major credit-reporting agencies to obtain a free credit report for you and place an alert on your records with the agencies, and obtain a list of additional creditors from you. • If the Identity Theft Affidavit proves that you are a victim of Identity Theft, the assistance provider shall provide access via postal mail to credit monitoring to you for one year. • Place a “security freeze” on your credit records, in states where such law was passed. • Submit “Authorization Form” and Affidavit to your creditors requesting cancellation of your card(s) and an issuance of a new one(s). • If other forms of identification were stolen or missing, such as an ATM card, Driver’s License, Social Security Card, Passport and so forth, notify or assist you in notifying the appropriate bank or agency of the situation so that you may take appropriate action and reissue a new form of identification. • Provide you with assistance in filing or submitting paperwork for special ID Theft Protective measures, specific to your state of residence. • On a weekly basis, until file is closed, contact you with an updated status report. • When needed, follow up with creditors to ensure that the matter has been properly handled. |
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| 5 |
Covered |
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DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES If you believe you are victim of Identity Theft, please contact our assistance provider at (877) 243-4135. A description of the service and terms of use are provided below. The assistance provider treats each “Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for you any or all of the following steps necessary to attempt to undo or prevent further damage upon receipt, by you, of a duly completed and executed “Authorization Form”. • Obtain all pertinent credit information and history from you on the phone to determine if a fraud or theft has occurred. • Educate you on how Identity Theft occurs and inform you of protective measures to take to avoid further occurrences. • Provide you with a helpful ID Theft Resolution Kit. • Provide you with a uniform ID Theft Affidavit (“Affidavit”), answer any question with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors. • Obtain list of creditors to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence. • Report or assist you in reporting the fraudulent activity to the local authorities and forward a report of the said fraudulent activity to your creditors. • Notify all three major credit-reporting agencies to obtain a free credit report for you and place an alert on your records with the agencies, and obtain a list of additional creditors from you. • If the Identity Theft Af davit proves that you are a victim of Identity Theft, the assistance provider shall provide access via postal mail to credit monitoring to you for one year. • Place a “security freeze” on your credit records, in states where such law was passed. • Submit “Authorization Form” and Affidavit to your creditors requesting cancellation of your card(s) and an issuance of a new one(s). • If other forms of identification were stolen or missing, such as an ATM card, Driver’s License, Social Security Card, Passport and so forth, notify or assist you in notifying the appropriate bank or agency of the situation so that you may take appropriate action and reissue a new form of identification. • Provide you with assistance in filing or submitting paperwork for special ID Theft Protective measures, specific to your state of residence. • On a weekly basis, until file is closed, contact you with an updated status report. • When needed, follow up with creditors to ensure that the matter has been properly handled. |
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| 6 |
Covered |
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|
DESCRIPTION OF IDENTITY THEFT RESOLUTION SERVICES If you believe you are victim of Identity Theft, please contact our assistance provider at (877) 243-4135. A description of the service and terms of use are provided below. The assistance provider treats each “Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for you any or all of the following steps necessary to attempt to undo or prevent further damage upon receipt, by you, of a duly completed and executed “Authorization Form”. • Obtain all pertinent credit information and history from you on the phone to determine if a fraud or theft has occurred. • Educate you on how Identity Theft occurs and inform you of protective measures to take to avoid further occurrences. • Provide you with a helpful ID Theft Resolution Kit. • Provide you with a uniform ID Theft Affidavit (“Affidavit”), answer any question with regard to completing the Affidavit and submit the Affidavit to the proper authorities, credit bureaus, and creditors. • Obtain list of creditors to be contacted and contact them with separate itemized fraudulent account statements for each fraudulent occurrence. • Report or assist you in reporting the fraudulent activity to the local authorities and forward a report of the said fraudulent activity to your creditors. • Notify all three major credit-reporting agencies to obtain a free credit report for you and place an alert on your records with the agencies, and obtain a list of additional creditors from you. • If the Identity Theft Af davit proves that you are a victim of Identity Theft, the assistance provider shall provide access via postal mail to credit monitoring to you for one year. • Place a “security freeze” on your credit records, in states where such law was passed. • Submit “Authorization Form” and Affidavit to your creditors requesting cancellation of your card(s) and an issuance of a new one(s). • If other forms of identification were stolen or missing, such as an ATM card, Driver’s License, Social Security Card, Passport and so forth, notify or assist you in notifying the appropriate bank or agency of the situation so that you may take appropriate action and reissue a new form of identification. • Provide you with assistance in filing or submitting paperwork for special ID Theft Protective measures, specific to your state of residence. • On a weekly basis, until file is closed, contact you with an updated status report. • When needed, follow up with creditors to ensure that the matter has been properly handled. |
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IMG
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 7 |
$500 per person |
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O. IDENTITY THEFT: Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the Reasonable and Customary costs incurred by the Insured Person up to the amount shown in the BENEFIT SUMMARY for: (1) re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity (2) notarization of legal documents (3) long distance telephone calls and postage incurred solely as a result of necessary reporting of the Insured Person’s stolen identity (4) amending and/or rectifying records as a result of the Insured Person’s stolen identity (5) up to three (3) credit reports obtained within one (1) year of the Insured Person’s knowledge of the stolen identity (6) stop payment orders placed on missing or unauthorized checks as a result of the Insured Person’s stolen identity. |
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| 8 |
Covered |
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O. IDENTITY THEFT: Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the Reasonable and Customary costs incurred by the Insured Person up to the amount shown in the BENEFIT SUMMARY for: (1) re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity (2) notarization of legal documents (3) long distance telephone calls and postage incurred solely as a result of necessary reporting of the Insured Person’s stolen identity (4) amending and/or rectifying records as a result of the Insured Person’s stolen identity (5) up to three (3) credit reports obtained within one (1) year of the Insured Person’s knowledge of the stolen identity (6) stop payment orders placed on missing or unauthorized checks as a result of the Insured Person’s stolen identity |
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| 9 |
$500 per person |
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N. IDENTITY THEFT: Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the Reasonable and Customary costs incurred by the Insured Person up to the amount shown in the BENEFIT SUMMARY for: (1) re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity (2) notarization of legal documents (3) long distance telephone calls and postage incurred solely as a result of necessary reporting of the Insured Person’s stolen identity (4) amending and/or rectifying records as a result of the Insured Person’s stolen identity (5) up to three (3) credit reports obtained within one (1) year of the Insured Person’s knowledge of the stolen identity (6) stop payment orders placed on missing or unauthorized checks as a result of the Insured Person’s stolen identity. |
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| 10 |
Covered |
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R. IDENTITY THEFT: Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the Reasonable and Customary costs incurred by the Insured Person up to the amount shown in the BENEFIT SUMMARY for: (1) re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity (2) notarization of legal documents (3) long distance telephone calls and postage incurred solely as a result of necessary reporting of the Insured Person’s stolen identity (4) amending and/or rectifying records as a result of the Insured Person’s stolen identity (5) up to three (3) credit reports obtained within one (1) year of the Insured Person’s knowledge of the stolen identity (6) stop payment orders placed on missing or unauthorized checks as a result of the Insured Person’s stolen identity |
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| 11 |
Patriot International Platinum Covered |
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R. IDENTITY THEFT: Subject to the Terms of this insurance and in the event the Insured Person’s identity is stolen, the Company will reimburse the Insured Person the Reasonable and Customary costs incurred by the Insured Person up to the amount shown in the BENEFIT SUMMARY for: (1) re-filing loan or other credit applications that are rejected solely as a result of the Insured Person’s stolen identity (2) notarization of legal documents (3) long distance telephone calls and postage incurred solely as a result of necessary reporting of the Insured Person’s stolen identity (4) amending and/or rectifying records as a result of the Insured Person’s stolen identity (5) up to three (3) credit reports obtained within one (1) year of the Insured Person’s knowledge of the stolen identity (6) stop payment orders placed on missing or unauthorized checks as a result of the Insured Person’s stolen identity. |
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Tin Leg
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 12 |
No coverage |
|
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There is no Identity Theft coverage with this plan. |
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| 13 |
Covered |
|
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Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues |
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| 14 |
Covered |
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Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing credit bureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues |
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| 15 |
Covered |
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Identity theft (Not available to New York residents) • Assist identity-theft victim with ordering and reviewing creditbureau records • Assist identity-theft victim with investigating financial accounts where identity theft is suspected • Assist victim in communications with creditors to help make the creditors aware of the victim’s identity-theft issues • Assist identity-theft victim in identifying proper law enforcement to pursue prosecution of criminals • Assist identity-theft victim in reviewing account activity • Obtain additional resources for reviewing and resolution of victim’s Issues |
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Travel Insured International
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|---|---|---|
| Policy Name and Summary of Coverage | Full Policy Wording | |
| 16 |
Covered |
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IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to pre-event status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. |
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| 17 |
Covered |
|
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IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. |
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| 18 |
Covered |
|
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IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a guide on how to restore Your credit. The Identity Theft Resolution Services become available on Your scheduled departure date for Your Covered Trip. Services are provided only for an Identity Theft event which occurs while on Your Covered Trip. Identity Theft Resolution does not guarantee that its intervention on behalf of You will result in a particular outcome or that its efforts on behalf of You will lead to a result satisfactory to You. Identity Theft Resolution does not include and shall not assist You for thefts involving non-US bank accounts. |
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| 19 |
Covered |
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IDENTITY THEFT RESOLUTION SERVICES In the event of an Identify Theft event while on Your Covered Trip, Travel Insured’s designated provider will provide you with the support and tools needed for You to restore Your identity to prevent status. Assistance includes contacting Your creditors to notify them of the event and to request replacement cards; connecting you with a friend or family member at home and providing them with the assistance to set up a transfer or wire of funds; information on how to contact the three major credit bureaus; guidance on how to obtain a police report; and providing You with a –guide on how to restore Your credit. |
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