Allstate Identity Protection’s identity theft insurance policy covers the financial damages of identity theft, such as costs to file reports or place freezes, legal defense expenses, and lost wages incurred as a result of resolving the fraud. Please contact us for a full copy of the policy and stipulations. For identity theft-related expenses, we will reimburse up to $1 million with Pro plan, $2 million with a Pro+ plan, and $5 million with a Pro+ Cyber plan. For incidents of funds stolen from an investment account such as 401(k) or HSA, we will reimburse up to $1 million. Before we reimburse stolen funds, we will first attempt to remediate the issue through our standard process. Exclusions include fraudulent withdrawals that happened prior to your Allstate Identity Protection coverage. The Allstate Identity Protection benefit is available to anyone with a valid Social Security number. Coverage can extend to you and all family “under roof or under wallet” as well as any family member 65 or older. You can even protect senior family members aged 65+ who don’t live with you or who are not financially dependent up on you, like parents, in-laws and grandparents. Consult with our Customer Care team, or your benefits department for more details. What is covered under your identity theft insurance policy? What are each plan’s reimbursement limits for identity theft expenses. 401(k) and HSA, and stolen funds? Who is included in the family plan? AIP1046_SUBSCRIBERFAQ_070125 What are the coverage limits for cyber insurance with a Pro+ Cyber plan? For members with a Pro+ Cyber individual or family plan, we will reimburse up to $100,000 for cyberbullying and up to $50,000 for scams, digital crimes, and social engineering, cryptocurrency funds reimbursement, data recovery and system restoration coverage, and ransomware payment coverage. Cyberbullying: Covers expenses related to removing harmful content, receiving psychological support, investigating the incident, making educational changes for children, and any lost income due to the incident. Data recovery & system restoration: Reimburses expenses for recovering data and restoring systems that were lost due to a hacking attack. Scam & social engineering: Reimburses for financial fraud loss that the insured sustains because of a cyber crime event. A cyber crime event includes wire transfer fraud, phishing attacks, or the theft of money or securities from a covered bank account resulting from a hacking attack. Cryptocurrency: Reimburses for the loss of cryptocurrency that the insured sustains as a direct result of a hacking attack. Ransom payment: Covers payments to criminals as a result of ransomware attacks.