Best Identity Theft Restoration Services

As we detailed in our review of Identity Guard, the services are powered by IBM’s Watson artificial intelligence platform, which means their protections are analyzing billions of data points and constantly evolving. That’s great news since the threat landscape is also ever-changing.

Identity Guard’s proactive protections and robust monitoring features are sure to keep your identity safe, but just in case, they also offer great restoration features. You can rest easy knowing that if your identity is compromised, their team of experts will handle everything from incident to final resolution. And if you incur financial loss, you’re covered up to $1 million.

They also offer several tiers of protections at various price points, so we’ve written a helpful guide to Identity Guard’s plans and pricing to help you pick the service that’s right for you.

The problem with ID theft is you never know when it’s going to strike. But it does. About once every six seconds, according to the FTC. So having spending alerts and a credit lock in your back pocket is great. But if a thief sneaks off with your SSN, you’re going to want an ID monitoring service that’s willing to step up to the plate. We found that Aura goes above and beyond here with an unexpected range of cash payouts to cover every inch of your typical ID fraud disaster.

We’ve reported extensively on Aura’s full battery of features in our complete Aura review. Enough to say that Aura is no lightweight. A premium Aura package is stacked with protections, including a free VPN and malware blocker, two pieces of tech you don’t want to leave the house without these days. That explains why, when you’re comparing top-of-the-line ID monitoring services, Aura packages tend to be a little pricier than average.

But that slightly higher price tag will more than pay itself off if you ever fall victim to ID fraud. Aura’s $1 million in restoration services cover lost wages ($2000 per week for five weeks max) and travel expenses ($1,000). Aura will also cover elder child care fees (up to $2,000), and accountants’ costs.

In our book, the degree of attention Aura pays to the fine points of identity theft recovery — from a consumer perspective — says a lot about their all-around service.

When we reviewed NortonLifeLock, we found their protections shielded us from cybercriminals in a variety of interesting ways, but for the purposes of this guide, we’re interested in how they’ll protect you should your identity be stolen. The good news is that coverage is as robust as their protections.

NortonLifeLock is one of the few services in the industry to not only offer up to $1 million in stolen fund reimbursements, they also offer $1 million in personal expense compensation and $1 million to cover the costs of lawyers and other experts you might need to recruit in resolving your identity theft incident. Identity theft is a massive headache, but NortonLifeLock will support you in all aspects along the way to recovery.

They offer tons of services, so if you’re interested in subscribing, you should check out our breakdown of NortonLifeLock’s packages and plans to get a better understanding of what they’re bringing to the table.

When we tested and reviewed IdentityForce, we covered their key features and impressive core functionalities — spoiler alert, they’re great. We were also happy to find a few bonuses like access to a virtual private network and some pretty powerful financial planning tools. IdentityForce is a well-rounded service with impressive features, and they offer great restorative features to boot.

For one, they’re one of the few identity theft protection services on the market today that offers $1 million in identity theft insurance which will cover your out-of-pocket costs as well as up to $1 million in stolen funds reimbursements. We love that IdentityForce understands how stressful, time-consuming, and costly the restoration and recovery process can be, and they’ve put coverage in place to make sure it’s as pain-free as possible.

If this piqued your interest, you might want to check out our guide to IdentityForce services, plans, and pricing to figure out what coverage would be right for you. They also offer customized plans for individuals and families, so you can set up something that makes sense for your budget and lifestyle.

Like we said above, in our ID Watchdog review, we found extremely strong protections for folks looking to protect their identity, but their restoration services are also worth consideration. They’re one of the few companies in the industry that offer 401K and HSA reimbursements — up to $1 million — on top of the $1 million they offer in identity theft insurance.

They also provide remediation for pre-existing conditions, meaning that if you’re already suffering from the impacts of an identity theft incident, they’ll handle it for you. That’s really great news for folks who need help untangling these complicated situations.

In our Zander analysis, we found them to be a really solid, utilitarian service. There aren’t any frills here, but their core identity protections are quite powerful. Their focus on restoration and recovery as well as their rock-bottom price structure make them well worth your consideration, too.

Should your identity be stolen, Zander offers 24/7 access to their team of certified recovery specialists that will work with you to resolve any issue. They’re also going to provide up to $1 million in coverage for expenses and to replace any stolen funds. All that peace of mind for an extremely reasonable price tag? We’re on board. We just wish they offered credit monitoring. As it stands, Zander offers nothing of the sort.

Check out our rundown of Zander plans and costs. They might not be the right solution for everyone, but they could be right for you.