Frequently Asked Questions

Please choose from one of the topics below to quickly access answers to your specific questions.



TransUnion Owner(s) Identity Theft Protection

Who is covered?

  • Up to 5 business owners.
  • The spouse or partner of the business owner(s) and their eligible dependents (up to 10 dependents under age 25 and reside in the owner(s) household)

What services are included?

  • Full-service identity restoration
  • Lost wallet assistance
  • 24/7 call center support
  • Up to $1 million in personal identity theft insurance coverage

Is Unauthorized Electronic Funds Transfer (UEFT) covered?

Yes, coverage applies if your financial institution does not reimburse the loss.

Is home title fraud covered?

No, this program does not include home title fraud coverage.

Does it help with tax identity fraud?

Yes. Restoration specialists will assist you in filing affidavits and working directly with the IRS to help resolve the issue.

What forms of ID are replaced if lost?

  • Social Security cards
  • Driver’s licenses
  • Passports
(Refer to your specific policy for a full list)

How does the expense reimbursement work?

Each household is eligible for up to $1 million in expense reimbursement per year. Covered expenses include:

  • Refiling rejected credit/loan applications
  • Notary, postage, and long-distance phone costs related to recovery process
  • Up to six credit reports for recovery purposes
  • U.S. based travel for identity recovery
  • Child or elder care costs incurred during recovery

Are self-employed wages covered under lost wage reimbursement?

No, only base wages from traditional employment are eligible.

Is cryptocurrency theft covered?

No, crypto-related losses are excluded.

Is the $1 million limit per incident or per year?

It is an annual aggregate limit per household.

What's included in TransUnion credit monitoring?

  • Credit report and score (updated every 30 days)
  • Alerts for new accounts, inquiries, and public records
  • Dark web monitoring for Social Security Numbers, email addresses, and phone numbers