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Does USAA’s identity theft protection service do enough to keep your data safe, or do you need to look elsewhere for coverage?
Updated December 23, 2024
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The USAA is a membership for the military community with exclusive insurance, banking, and retirement services. For example, it has credit cards with unique perks, auto loans with low interest rates, and health plans with low out-of-pocket expenses. USAA also offers identity theft protection.
USAA has partnered with Blink by Chubb to keep you and your family safe from online threats. But how does USAA’s identity theft protection service compare to top brands like Aura and Identity Guard? We decided to find out. Here’s what we learned.
>> Learn More: A 2025 Comparison of Identity Theft Protection Services
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USAA only offers its membership to members of the military and their families. To be eligible, you must be one of the following:
If you qualify for a membership, you can take out personal cyber insurance, which is what USAA refers to as its identity theft protection service. As we mentioned earlier, the policy comes from Blink by Chubb. But the USAA insurance is an exclusive offering for its members.
FYI: USAA also includes identity theft protection as part of its homeowner’s insurance plan. The standard policy pays up to $5,000 for services that can help recover your identity. It also comes with personal liability insurance and loss of use coverage, which helps out if an event leaves your home unlivable.
Blink by Chubb tries to keep insurance as simple as possible so everyone can understand what’s included and what’s not. The cyber insurance with USAA includes three options – coverage for $10,000, $25,000, or $50,000. You won’t have to pay a deductible for identity theft, but there is a charge of $250 for other services. Here’s what is included:
USAA also points out several exclusions. For example, if you have prior knowledge of losses before taking out a policy. The coverage also excludes losses for digital currencies, gambling, and widespread events that impact a range of unrelated people or businesses.
FYI: The cost of USAA identity theft protection can vary based on the amount of coverage you need. When we spoke to a consultant, they told us prices start from $5.28 per month for $10,000 of coverage. But you’ll need to speak to them directly for a personalized quote.
While USAA cyber insurance can help you get back on your feet after an identity theft incident, it’s missing some critical features included in some of our favorite identity theft protection services, such as:
Pro Tip: All of Aura’s plans come with antivirus protection, a VPN, and a password manager. While USAA identity theft protection will reimburse you for damages from malware and data breaches, these digital security tools can prevent these incidents from happening.
We have spent hundreds of hours comparing, researching, and compiling information, so we could provide our readers with the best possible full-suite identity theft protection services. Here are our top four recommended brands that are perfect alternatives to USAA identity theft protection.
Aura’s dashboard lets you manage all alerts and monitor your records.
Aura has plans that can protect the whole family. It even comes with monitoring features and security tools exclusively designed to keep kids safe online. The adults can access three-bureau credit monitoring, retirement and investment account monitoring, and spam list removals, among other services.
For the children, there are cyberbullying and safe gaming alerts, as well as SSN monitoring. It might seem premature to include SSN and credit monitoring, but Aura knows that protecting these vital records now will pay dividends in the long run. Learn more about all the features available in our Aura review.
Identity Guard uses AI to monitor millions of data points to keep your identity safe.
Identity Guard relies on artificial intelligence to monitor for potential identity theft issues. The company uses IBM’s Watson AI to continually scan the internet looking for your data. Once a match is found, Identity Guard will send you a mobile app and email alert so you can respond quickly.
Identity Guard has three plans that start at $7.50 per month (billed annually) and up to $25.00 per month (billed annually) for their upper-tier plan. However, you can opt for a monthly payment option; however, that one costs a little more a month. With Identity Guard you get comprehensive identity theft protection that includes $1 million in identity theft insurance with a stolen funds reimbursement feature included.
You also get a U.S.-based dedicated case manager and a wide variety of identity theft monitoring services, and more. If you would like more information, you can read our full Identity Guard Review here.
LifeLock will alert you the second it finds your information on the dark web.
LifeLock is probably the most widely known identity theft protection service. They offer a variety of full coverage services along with Norton 360 internet protection. So you get an all-in-one identity theft protection service that offers several plans from which you can choose. LifeLock’s services come with a million-dollar protection package, reimbursement of stolen funds, personal expense compensation, and coverage for lawyers and identity theft experts.
LifeLock’s standalone plans range from $7.50 a month to $38.99 a month each offering its own set of protections which will depend on the plan you choose. You can bundle LifeLock with Norton360 for extra features like antivirus protection and a password manager, but you’ll need to pay extra for these tools. If you would like more information, you can read our full LifeLock Review here.
IdentityForce has an excellent selection of resources that can keep you safe online.
IdentityForce’s services are used by millions of people, and they are also a GSA Tier One provider for U.S. government agencies. So they must be doing something right.
IdentityForce has a $1 million identity theft insurance policy. They will monitor your personal information and if anything suspicious is found, they will alert you to it. If your identity has been compromised, they offer comprehensive 24/7 recovery services. IdentityForce will complete all the paperwork and make all the necessary calls for you while handling every intricate detail until your issues have all been resolved. IdentityForce has protection plans that are as little as $17.95 a month up to $35.90 a month. And, if you pay annually, IdentityForce will give you a break on the price.
The USAA has some excellent services for the military personnel and their families. But the USAA’s identity theft protection service only takes a reactive approach to cybersecurity. Backed by Blink by Chubb, you’ll be taken care of if someone hacks your devices, makes fraudulent financial transactions, or steals your identity.
However, USAA identity theft protection is missing a lot of preventative tools compared to services like Aura and Identity Guard. We believe a good identity theft protection service has a combination of both preventative and reactive features. So if we were going to pay for a service to keep your financial and personal data safe, we’d pick one from our list of best identity theft protection services.
