Last Updated: April 2026

Identity Theft Insurance

EverGuard membership includes identity theft insurance underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group policy coverage arranged through Enfortra. The following is a summary of the insurance benefits available to eligible EverGuard members. Please refer to the actual policy for complete terms, conditions, and exclusions of coverage. Coverage is subject to the terms and conditions of the group master policy.

Coverage Limits

EverGuard offers identity theft insurance with aggregate coverage limits based on your membership plan:

$1,000,000 Plan — Up to $1,000,000 aggregate limit of liability per membership

$5,000,000 Plan — Up to $5,000,000 aggregate limit of liability per membership

Covered Expenses

Identity Fraud Expense Reimbursement

Coverage for losses resulting from identity fraud events discovered during your active EverGuard membership period, including:

• Unauthorized use of existing financial accounts

• Fraudulent opening of new accounts using your identity

• Unauthorized electronic fund transfers

• Tax fraud and government benefits fraud committed in your name

• Medical identity theft

• Criminal identity theft (identity used during an arrest or criminal proceeding)

• Home title and deed fraud

• Professional license and credential fraud

Cash & Financial Account Recovery

• Reimbursement for unrecoverable funds lost through unauthorized electronic transfers from personal bank accounts

• Debit card fraud deductible recovery

• Investment and HSA account recovery (up to $1,000,000 as part of aggregate limit)

Emergency Assistance

• Emergency cash advance and lost wallet assistance — up to $500 per 12-month period

• Travel-related identity fraud assistance

Specialized Coverage

• Senior Family Member Fraud — Coverage for identity fraud committed against eligible senior family members on your plan

• Deceased Family Member Fraud (Ghosting) — Protection against fraudulent use of a deceased family member's identity

• Cyber Extortion Recovery — Reimbursement for costs incurred as a result of cyber extortion threats

Cyber Insurance

In addition to identity theft coverage, eligible EverGuard members receive personal cyber insurance coverage. Annual limits of insurance are as follows:

What Cyber Insurance Covers

• Data Recovery — Expenses to restore or recover digital assets damaged through system compromise, covering up to twelve months following discovery

• Cyber Crime — Losses from fraudulent financial instructions, phishing-induced transfers, and unauthorized access to personal bank accounts

• Cryptocurrency Crime — Loss of digital currency stolen through unauthorized access, provided the exchange has declined to reverse the transaction

• Cyber Extortion — Expenses and payments resulting from credible threats to steal data, corrupt systems, or restrict access

• Cyber Bullying — Reimbursement for therapy, childcare, and relocation expenses for victims of repeated electronic harassment causing documented mental distress

Duties Upon Discovery of Loss

If you believe you are a victim of identity theft or a covered cyber event, you must:

1. Notify EverGuard and relevant authorities within 60 days of discovering the loss

2. File a detailed proof of loss within the required timeframe

3. File a police report where applicable

4. Cooperate fully with any investigation conducted by the insurer

5. Take reasonable steps to mitigate further losses

General Exclusions

Coverage does not apply to:

• Fraudulent, dishonest, or criminal acts committed by the insured member or their immediate family

• Losses arising from voluntary surrender of account credentials or access devices

• Computer processing errors unrelated to identity fraud

• Losses related to business or commercial activities

• Indirect, consequential, or speculative damages

• Cryptocurrency or digital currency transferred voluntarily by the insured

• Losses discovered prior to the effective date of coverage

• Physical injury or property damage

• War-related events (except cyber terrorism)

• Securities or regulatory violations

• Government enforcement actions

• Losses arising from cryptocurrency exchange platform failures

Cost Limitations

• Legal consultation services are capped at $125 per hour

• Attorney fees for covered legal proceedings are limited to $350 per hour

• All expenses must be pre-approved by the insurer to be eligible for reimbursement

Claims Process

To file a claim, contact EverGuard member support. All claims must be reported in writing as soon as practicable, and no later than 60 days after discovery of a covered event. The insurer will process claims within 90 days of receipt of acceptable documentation.

Important Notice

The identity theft insurance referenced herein is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group policy coverage arranged through Enfortra. This summary is provided for informational purposes only. It is not a contract of insurance. The actual group master policy contains the complete terms, conditions, limitations, and exclusions governing coverage. In the event of any conflict between this summary and the policy, the policy will control.

EverGuard is not an insurance company. Insurance products are provided through the partnership between Enfortra and Assurant. EverGuard facilitates access to these insurance benefits as part of your membership.

For questions about your insurance coverage, please contact our support team.