Identity Theft Insurance can cover your losses due to fraud
Aura offers up to $1 million per adult (up to $5 million total with the Family plan) as insurance for eligible out-of-pocket expenses due to identity theft — including legal fees, lost wages, and more.*
.svg)
X.X stars as of ---
Choose your Aura plan:
$12/mo
billed annually, or $15/mo billed monthly
$22/mo
billed annually, or $29/mo billed monthly
$32/mo
billed annually, or $50/mo billed monthly
What is Identity Theft Insurance?
Identity theft insurance helps reimburse victims of identity theft for eligible losses (such as stolen funds), as well out-of-pocket expenses associated with recovering their identities.
- The insurance coverage on Aura plans include stolen funds reimbursement, personal expense compensation, and certain legal fees.
- Aura does not cover financial losses from any pre-authorized payments from an account. Aura can, however, help you resolve fraudulent transactions, and freeze your credit if you suspect identity fraud.
Nearly 65% of all identity theft cases go unresolved. This means you may be liable for any fraudulent charges on your bank account — unless you have identity theft insurance.
For example, if an identity thief uses your Social Security number (SSN) to take out a loan in your name, you could be saddled with thousands of dollars in debt and a damaged credit score.
While you can dispute the fraud, there will still be costs associated with the process — from time spent contacting the credit bureaus to potentially hiring a lawyer.
How does Identity Theft Insurance work?
In general, identity theft insurance may be offered by insurance and credit card companies. It can also be included as part of an identity theft protection service like Aura.
Companies like Allstate® and State Farm® also offer identity theft insurance as an add-on to your homeowners or renters insurance. They may charge an additional $9–$35 a month.
While a single homeowners and identity theft insurance policy can simplify bills, you may only have limited coverage.
When you choose a comprehensive identity monitoring service like Aura, you’re also choosing proactive alerts. Dark Web monitoring or alerts about new inquiries on your credit file give you a chance to get ahead of potential fraud.
| Aura Family Plan | Allstate Identity Protection Blue Family | State Farm Identity Restoration Insurance | |
|---|---|---|---|
Free trial |  14-day free trial |  Only available on monthly plans |  |
Membership | 5 adults, unlimited kids |  Up to 10 members + primary subscriber | Covers you, your dependents in the same household |
Identity monitoring | Identity Protection with Home and Auto Title Monitoring | No home and auto title monitoring | |
Identity theft expense reimbursement | Up to $5 million | Up to $2 million | Up to $50,00013 |
Dark web monitoring | Available for up to 10 email addresses per adult | Available for up to 5 email addresses in a plan | |
Social media monitoring |  | | |
Spam call and message protection | Available on iOS and Android phones | Robocall blocker available for only the primary subscriber | |
Our comparison methodology combines ratings and reviews from third-party professional and consumer review sources as of June 2025. This comparison does not solely reflect Aura's subjective opinions, tests, or experiences.
What Aura’s Identity Theft Insurance covers
Aura offers $1 million in insurance coverage per adult member regardless of whether the policy is for an individual, a couple, or a family.
Aura covers:
- Expense Reimbursement: $1,000,000 per adult member per 12-month period
- Cash Recovery Aggregate: $1,000,000, included within (not in addition to) Expense Reimbursement
Some examples of expenses covered include:
- Re-filing applications: Costs for re-filing loans, grants, or other credit applications.
- Verifying documents: Costs for notarizing affidavits or similar documents, long-distance phone calls, travel, and postage.
- Recovery-related expenses: Credit freeze/thaw costs, transcript costs, appeal bond, court filing fees, and more resulting from any identity restoration efforts.
- Lost wages: Includes compensation for vacation days, discretionary days, floating holidays, and paid personal days, within twelve months of discovering the fraud.
Eligible Aura members can also opt for higher insurance limits that cover title theft, HSA and 401k cash recovery, and more. Check add-on availability.
Aura does not cover:
- Pre-authorized transfers: Losses from any pre-authorized transfers to financial institutions or other accounts owned by the Aura member.
- Pre-existing identity fraud: Losses from identity fraud discovered before the policy started.
- Excessive legal fees: Legal fees over $125 per hour.
- Inactive memberships: Losses that may have occurred while your membership was inactive.
For unauthorized electronic fund transfer — Aura’s identity theft insurance coverage is only valid if you’re an active and paid member. You must also report this loss within 90 days of discovering it.
Plans and pricing
Select plan:
Save up to 60% + Free 14-day trial
X.X stars as of ---
Individual plan
1 adult, 10 devices
$12/mo
billed annually, or $15/mo billed monthly
- 1 Adult
- Online & Device Security - 10 Devices
- Premium Identity Theft Protection
- $1M Identity Theft Insurance*
- Financial Fraud Protection
- White Glove Fraud Remediation
- Privacy Assistant
- Vault (1GB)
Couple Plan
1 adult, 10 devices
$22/mo
billed annually, or $29/mo billed monthly
- 2 Adults
- Online & Device Security - 20 Devices (10 per adult)
- Premium Identity Theft Protection
- Up to $2M Identity Theft Insurance* ($1M per adult)
- Financial Fraud Protection
- White Glove Fraud Remediation
Family Plan
1 adult, 10 devices
$32/mo
billed annually, or $50/mo billed monthly
- 5 Adults, Unlimited Kids
- Online & Device Security - 50 Devices (10 per adult)
- Spam Call & Message Protection
- Premium Identity Theft Protection with Family Alerts Sharing
- Up to $5M Identity Theft Insurance* ($1M per adult)
To start your claim
If you’re an Aura member and may have been a victim of identity fraud, here’s how you can start your insurance claim process:
Contact Aura Support from your web or mobile app
If you received an Aura alert about suspicious activity, contact Support using the number provided on the fraud alert.
Secure a copy of your insurance policy
Aura will also walk you through how you can directly make a claim with our insurance provider.
Prepare a detailed proof of loss to also file with your claim
File within 60 days of you first learning about the fraudulent incident.
Protection
Get started with Aura
Choose your plan
Pick Aura’s Individual, Couple, or Family plan. Download and log in to your Aura app with two-factor authentication.
Connect your accounts
Link your bank, credit card, loan, and investment accounts.
Start receiving alerts
Monitor your identity watchlist and other credit-related alerts on the Aura web or mobile app.
Frequently asked questions
How much does identity theft insurance cost?
Identity theft insurance that’s part of an identity theft protection plan can cost anywhere between $10–$40 per month.
Your exact subscription amount will depend on your plan, the number of people on your plan, and any other add-ons you purchase.
For example, Aura provides $1 million in insurance coverage to every adult member, and on every plan — at no additional cost.
Is identity theft insurance worth it?
Neither identity theft protection nor insurance can prevent identity fraud from happening. With Aura, you’ll receive timely fraud alerts so you can take action.
Identity theft insurance — already on all Aura plans — helps cover certain direct and indirect expenses that you may have as part of your identity recovery process.
An April 2024 study from Javelin found that people spent an average of 10 hours and ~$200 resolving issues that stemmed from identity fraud.
During this period, you might miss work, spend money on lawyers, replace stolen documents and IDs, or pay for childcare — all out of pocket if you don't have insurance.
Along with generous insurance coverage, Aura's identity theft protection also includes:
- Expert Fraud Remediation. Aura can work with you to create a custom recovery plan. The team can also facilitate three-way calls with your bank or credit bureaus to resolve your ID theft incident.
- Identity monitoring and protection. Receive notifications if your identity was used in a high-risk transaction or exposed in a data breach.
- Three-bureau credit monitoring service. Identity thieves can open new accounts or take out loans in your name. Aura warns you of any such activity on your credit reports.
- Online safety tools. This includes antivirus software, a Virtual Private Network (VPN) to hide your browsing history, and more.
How does Aura compare to other insurance providers?
Standalone identity theft protection plans such as those from Aura offer a wider range of alerts and remediation services.
On the other hand, Allstate has identity theft insurance as an optional endorsement to existing homeowners, renters, or auto insurance policies.
This coverage is only available to the policyholder and their registered domestic partner.
Allstate also offers a separate product — Allstate Identity Protection — which can be purchased independently.
Do you need identity theft insurance if you already have home insurance?
For an additional cost, property and auto insurance companies like State Farm® include identity theft insurance as an add-on.
This type of identity restoration insurance tends to cover what’s not already part of your homeowners policy, such as credit card fraud. The downside is that expense reimbursement limits are far lower compared to that of Aura’s.
State Farm may reimburse you up to $50,000, sometimes subject to a deductible of $500 per occurrence. Meanwhile in Aura’s case, coverage may be up to $5 million based on your plan.