Credit Essentials: $25,000 Identity Theft Insurance

If you were a free TransUnion Credit Monitoring subscriber on or before 02/10/2025 through your FREE TransUnion Credit Membership (Credit Essentials), your $25,000 Identity Theft Insurance will be  covered by this insurance policy for the duration of your membership. If you upgrade, cancel, or terminate your account, the coverage under this policy will end. 

Limit of Insurance

• $25,000 - Aggregate Limit of Insurance per policy period
• $2,000 - Lost wages - per week, for 5 weeks maximum
• $0 – Deductible - per policy period
• $2,000 - Travel Expenses per policy period
• $2,000 - Elder Care/Child Care per policy period
• $2,000 - Initial Legal Consultation per policy period
• $1,000 - Certified Public Accountant Costs per policy period

This Summary is provided to inform you that as a member of TransUnion’s Credit Essentials you are entitled benefits under the Master Policy referenced below. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Policy. Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary. A complete copy of the Policy will be provided upon request.

The Master Policy of Personal Internet Identity Coverage has been issued to: TransUnion (the "Master Policy Holder"), Policy Number: 7077495 underwritten by insurance company subsidiaries or affiliates of American International Group, Inc., to provide benefits as described in this Summary.

General Information

Should you have any questions regarding the Membership Program provided by the Master Policyholder, or wish to view a complete copy of the Master Policy, please call the customer service number at (800) 493-2392 located in your membership materials.

Filing a Claim

If you have any questions regarding the identity theft insurance coverage or wish to file a claim under the Master Policy, please contact the Insurer at 1-866-IDHelp2 (1-866-434-3572).

This is a group master policy issued to TransUnion. If this master policy is terminated, your benefits will cease effective that date. It is the obligation of the master policyholder to inform you of any termination of the master policy.

Benefits

We shall pay you for the following:

1. Costs

1. Reasonable and necessary costs incurred by you in the United States for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a Stolen Identity Event;
2. Reasonable and necessary costs incurred by you in the United States for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report a Stolen Identity Event and/or amend or rectify records as to your true name or identity as a result of a Stolen Identity Event;
3. Reasonable and necessary costs incurred by you for up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after your knowledge or discovery of a Stolen Identity Event;
4. Reasonable and necessary costs incurred by you for ordering medical records for the purpose of amending and/or rectifying these documents as a result of a stolen identity event
5. Reasonable and necessary costs incurred by you for 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; and
6. Reasonable and necessary costs incurred by you for elder care or child care incurred as a result of the insured’s efforts to amend or rectify records as to the insured’s true name or identity.
7. Reasonable and necessary costs incurred by you for the replacement of identification cards, drivers licenses and passports as a result of a stolen identity event
8. Reasonable and necessary costs incurred by the insured associated with the use of any certified public accountant engaged to amend or rectify records as to the true name or identity of the insured as a result of a stolen identity event. We reserve the right to select such certified public accountant; however, with our express prior written consent, you may select such certified public accountant.

2. Lost Wages

• Actual lost wages earned in the United States, whether partial or whole days, for time reasonably and necessarily taken off work and away from your work premises solely as a result of your efforts to amend or rectify records as to your true name or identity as a result of a Stolen Identity Event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paid personal days and excludes business interruption or future earnings of a self-employed professional. Computation of lost wages for self-employed professionals must be supported by and will be based on prior year tax returns. Coverage is limited to wages lost within twelve months after your discovery of a Stolen Identity Event.

3. Legal defense fees and expenses

Reasonable and necessary fees and expenses incurred in the United States by you with our consent for an attorney approved by us for:

1. An initial consultation with a lawyer to determine the severity of and appropriate response to a stolen identity event.
2. Defending any civil suit brought against you by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of a stolen identity event.
3. Removing any civil judgment wrongfully entered against you as a result of the stolen identity event.
4. Defending criminal charges brought against the insured as a result of a stolen identity event; provided, however, we will only pay criminal defense related fees and expenses after it has been established that the insured was not in fact the perpetrator.
5. Challenging the accuracy or completeness of any information in the insured’s medical history as a result of a medical identity theft. It is further agreed that solely with respect to subparagraph (c) the insured, with our express prior written consent, may select such attorney.

A Stolen Identity Event means the fraudulent use of your name, address, Social Security number, bank or credit card account number or other personally identifying information or other method of identifying you. This includes, but is not limited to, the fraudulent use of your personal identity to establish credit accounts, secure loans, enter into contracts or commit crimes. Stolen identity event shall include Medical identity theft. Medical Identity Theft means the theft of the insured’s personal or health insurance information to obtain medical treatment, pharmaceutical services or medical insurance coverage. Medical identity theft also means the theft of the insured’s personal or health insurance information to submit false claims for medical services or goods.

A Stolen Identity Event does not include the theft or unauthorized or illegal use of your business name, d/b/a or any other method of identifying your business activity.

4. Coverage Scope

• The Master Policy provides benefits to you only if you report a stolen identity event to us by the contact number stated above as soon as you become aware of a stolen identity event, in no event later than one hundred twenty (120) days after the stolen identity event is discovered by you and you follow the instructions given to you in a claims kits that you will be provided. These instructions will include notifying major credit bureaus, the Federal Trade Commission’s Identity Theft Hotline and appropriate law enforcement authorities. This claims kit will also instruct you how to file for benefits under the policy if the stolen identity event results in losses covered under the policy. 
  You will only be covered if a stolen identity event is reported to us within one hundred twenty (120) days of discovery. You will not be covered if the stolen identity event first occurs after termination of the master policy or termination of your membership in the Master Policyholder’s program.

5. Limits of Insurance

• The most we shall pay you are the Limits of Insurance shown above. All Legal Costs shall be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF, AND NOT IN ADDITION TO, THE LIMIT OF INSURANCE.
• The Lost Wages, Travel Expense, Elder Care/Child Care, Initial Legal Consultation and Certified Public Accountant Costs Limits of Insurance shown above are sublimits of the Aggregate Limit of Insurance and the most we shall pay you for Lost Wages, Travel Expense, Elder Care/Child Care, Initial Legal Consultation and Certified Public Accounting Costs.

6. Deductible

1. You shall be responsible for the applicable Deductible amount shown above and you may not insure against it.
2. You shall be responsible for only one Deductible during any one policy period.

Duplicate Coverages

Should you be enrolled in more than one membership program insured by us, or any of our affiliates, we will reimburse you under each membership program:

• subject to the applicable deductibles and limits of liability of each insured membership program

• but in no event shall the total amount reimbursed to you under all membership programs exceed the actual amount of loss