Identity Theft Travel Insurance Coverage

What is Identity Theft Insurance?

Identity Theft coverage is a travel insurance benefit that assists 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.

FAQs: Identity Theft Insurance

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.

How Do I Protect My 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:

1. 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.
2. Be Vigilant When Exploring: Be mindful of scams and phishing attempts when exploring your destination.
3. 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.
4. 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.

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.