IDeSecure provides members with a group Personal Internet and Identity Coverage insurance policy that covers most members of IDeSecure's services.

Coverage Limit: $25,000 depending on the membership program. See your program details for more information on your coverage limits you are entitled to as a member of various IDeSecure programs.

Deductible: $0 (in some cases the underlying policy may have one or more deductibles, but any deductibles will be paid by IDeSecure and you will pay $0).

Depending on if you are enrolled in an individual or family plan, coverage may be available to you, your spouse, qualified domestic partner, and/or children under the age of 23 who permanently live in the same residence. Identity theft victims may be reimbursed under the policy for the following reasonable and necessary costs incurred by the insured as a result of a stolen identity event according to all policy rules and limits:

• Lost wages as a result of time taken off from work to deal with the fraud - up to $1,500.00 per week for up to five weeks.
• Notary and postage charges incurred by the insured in order to report a stolen identity event and/or amend or rectify records as to the insured's true name or identity
• Costs of re-filing rejected applications for loans, grants or other credit instruments
• Costs for up to six credit reports from established credit bureaus (with no more than two reports from any one individual credit bureau)
• Costs approved by AIG, for providing periodic reports on changes to, and inquiries about the information contained in the insured's credit reports or public databases (including, but not limited to credit monitoring services)
• Costs of travel within the United States incurred as a result of the insured's efforts to amend or rectify records as to the insured's true name and identity
• Long distance telephone charges for calling merchants, law enforcement agencies or credit grantors to discuss an actual identity theft
• Reasonable and necessary attorney fees and expenses incurred with AIG's consent for an attorney approved by AIG including:
  
  
  • An initial consultation with a lawyer to determine the severity of and appropriate response to a stolen identity event
  • Defending any suit brought against the insured by a creditor, collection agency or other entity acting on behalf of a creditor for non-payment for goods or services or default on a loan solely as a result of a stolen identity event
  • Removing any civil judgment wrongfully entered against the insured solely as a result of a stolen identity event
  • Defending criminal charges brought against the insured as a result of a stolen identity event; provided, however, AIG will only pay criminal defense related fees and expenses after it has been established that the insured was not in fact the perpetrator.
  
  
• Approved costs for Elder Care and Child Care up to $1,000.00.

This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy issued by AIG. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.