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Identity Theft Services Coverage

8 April 2011
Identity Theft Services Coverage

This coverage provides assistance when an identity theft occurs while you are traveling. This coverage consists of non insurance services included with some package travel insurance plans.

Contents (click to jump down)
What does Identity Theft Services cover?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Let us tell you a story

Mia and her father, Sergey, had long planned a trip to Russia, where he was born and raised. Mia wanted very much to understand her immigrant father’s origins and hear the stories of his childhood.

On their first day touring St. Petersburg, a pickpocket stole Sergey’s wallet. Luckily, they had locked their passports in the hotel room safe, but Mia was worried about her father’s identity being stolen and sold on the black market. She contacted their travel insurance assistance services hot-line and was connected with an identity theft coordinator who was able to contact the credit bureaus to inform them of the theft. The coordinator also told Mia the proper authorities to contact to report the theft and what to do when they returned.

What does Identity Theft Services cover?

While worldwide travel assistance is the primary 24-hour travel assistance service provided by travel insurance companies, some plans offer help with identity theft as well. Identity theft services are non insurance services provided by some travel insurance plans. These services typically include:

  • Ordering and reviewing the credit bureau reports for the insured
  • Assisting with investing financial accounts where identity theft is suspected
  • Communicate with creditors to ensure they are aware of the potential identity theft
  • Identifying and communicating the proper law enforcement to pursue prosecution of criminals
  • Reviewing account activity to identify suspicious occurrences
  • Obtain and communicate additional resources to help resolve identity theft

Identity theft services are non insurance services included with some travel insurance plans, but the actual services are provided by third-party companies. For example, while you may have your insurance with Travel Guard, Travel Guard will likely subcontract the identity theft assistance services to local companies who are in a position to help their customers in various locations. This means that you may initially be contacting your travel insurance provider to inform them of the potential identity theft, but after that you will likely be working with a third-party company.

Important notes about this coverage

What type of policy covers this?

In most cases, you’ll find this type of coverage in a package travel plan; however, some medical plans provide this coverage as well including:

  • Liaison Silver by Seven Corners

Some package plans include this coverage as part of their worldwide assistance services, and a few offer it as an optional upgrade.

How much coverage does each company provide?

PlanCompanyIdentity TheftConciergeBusinessRoadside
Business TravelerAllianzYesYes
CustomCSA Travel InsuranceYesYes
Custom LuxeCSA Travel InsuranceYesYes
No coverageFrontier MEDEX
PreferredGlobal AlertYesYes
BasicGlobal AlertYesYes
Preferred PlusGlobal AlertYesYes
No coverageGlobal Underwriters
TripProtector PreferredHTH WorldwideYesYes
TripProtector e-saverHTH WorldwideYes
TripProtectorHTH WorldwideYes
CompleteM.H. RossYesYes
BridgeM.H. RossYesYes
AssetM.H. RossYesYes
Liaison SilverSeven CornersYes
Wander Frequent TravelerSeven CornersYes
BusinessTravel GuardYesYesYes
Pack n' GoTravel GuardYes
My Travel GuardTravel GuardYesYesYes
Tee, Tour, and TravelTravel GuardYesYesYesYes
GoldTravel GuardYesYesYes
SilverTravel GuardYes
PlatinumTravel GuardYesYesYeswith $50 deductible
Basic *Travel InsuranceYes
WorldMed *Travel InsuranceYes
EliteTravel InsuranceYes
Plus *Travel InsuranceYes
Worldwide Trip Protector GoldTravel InsuredYesYesYes
Worldwide Trip ProtectorTravel InsuredYesYesYes

* as optional upgrade
** with limited coverage

Summary

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Damian Tysdal
Author
DamianTysdal

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.