Identity Guard review

Identity Guard monthly fees are $8.99 to $39.99, and the family tier is listed at $8.99 to $39.99. The long-term plan is the cheaper door at $4.49, and that rate rather than the entry figure decides the yearly spend.

Renewal is set at $8.99 a month, above the $4.49 rate that pulls people in at signup. That step up is the cost detail to weigh before committing to the long-term plan, and it is why the low entry figure says little about later years.

Identity Guard monitors 3 credit bureaus, matching the highest bureau count in the comparison set at 635. That breadth is the core of the service, and the insurance cover sits on top of it rather than replacing it.

Cover runs $1,000,000 to $5,000,000 depending on the tier, above the €876,962.20 typical amount in the comparison set. Insurance sits inside the subscription rather than as an add-on, so the plan price is the whole cost for anyone who buys it.

Identity Guard apps run on iOS and Android. Nothing else appears in that list, so the service is built for phones rather than desktops, and anyone who wants browser or desktop protection will need a different product.

The service is operated by Aura Sub, LLC and owned by Aura, with headquarters and jurisdiction in the US, and it has been running since 1996. US jurisdiction means US rules and US bureau data, so readers outside the country get less from the monitoring than those inside it.

Identity Guard offers a money-back window of 60 days, which is roomy for a subscription service. Support during that period, and after it, runs on phone, email and help centre, so a cancellation question reaches a person rather than a queue.

The family tier is listed at $8.99 to $39.99, matching the range shown for the standard monthly plan, so covering a household is a separate line in the budget rather than a saving on the base plan. Longest commitment runs 12 months.