Identity Guard Review: Plans, Prices and What It Leaves Out (2026)

Identity Guard is a US identity theft protection service owned by Aura. It sells three tiers, Value, Total and Ultra, each for one adult or a family of up to five adults, and all three carry $1 million in identity theft insurance. This Identity Guard review finds it a reasonable lower-cost option for monitoring and fraud alerts, but its plans page doesn’t list data broker removal, antivirus or a VPN, and only the top Ultra tier includes white glove fraud resolution.

This review is research-based. We haven’t used an Identity Guard account; every fact below comes from Identity Guard’s own plans page, FAQ, about page and terms of use, checked in September 2026. Plans and prices change, so check Identity Guard’s plans page before you buy.

Quick verdict

Identity Guard suits you if	Look elsewhere if
You’re in the US and want identity monitoring and alerts at a lower monthly price	You want your details removed from people-search sites
You want three-bureau credit monitoring without paying for device security you already have (Total or Ultra)	You want antivirus and a VPN in the same subscription
You want a family plan that covers up to five adults	You’d rely on hands-on fraud help but don’t want to pay for the top tier
You’re happy to pay annually to get the refund window	You want the flexibility of monthly billing with a refund option

What Identity Guard is

Identity Guard’s about page says its founding company, Intersections Inc., started in identity theft protection in 1996. Today the brand is owned by Aura: Identity Guard’s FAQ says Aura is its parent company, which is why charges may appear on statements as Aura, and its terms of use refer to “Aura Identity Guard”. Its insurance is underwritten by American Bankers Insurance Company of Florida, an Assurant company, the same insurer named on Aura’s own pages.

That relationship matters when you compare. Identity Guard is a separate, cheaper product line, not a rebadged copy of Aura’s plans. Our Aura review covers Aura’s own bundle, which adds device security and data removal.

How it works

You sign up online, pick a tier and a billing cycle, and complete an identity verification step if your plan includes credit monitoring. Identity Guard’s FAQ says enrollment takes about two minutes. From then on, it watches for signs your identity or accounts are being misused and alerts you through its app.

What it watches depends on the tier. Based on Identity Guard’s plans page in September 2026:

• Value includes the US-based customer care team, $1 million identity theft insurance, data breach notifications, dark web monitoring, high-risk transaction monitoring, safe browsing, a password manager and the mobile app.
• Total adds bank account monitoring, three-bureau credit monitoring and a monthly credit score.
• Ultra adds white glove fraud resolution, social media monitoring, credit and debit card monitoring, 401(k) and investment account monitoring, home and auto title monitoring, criminal and sex offense monitoring, USPS address change monitoring, an Experian credit lock and three-bureau annual credit reports.

A footnote on the plans page confirms that white glove fraud remediation is only available to Ultra members. On the family plans, child members only get online account monitoring and SSN monitoring; every adult gets the full list for that tier.

Coverage

Identity Guard’s coverage is monitoring, not removal. As of September 2026, its plans page doesn’t list data broker removal, people-search opt-outs or search result cleanup on any tier. If your address and phone number on people-search sites are part of the problem, you’d need to handle that separately.

On insurance, each plan card lists $1 million identity theft insurance, and the plans comparison table lists “up to $5M” for family plans. The insurer’s terms, conditions and exclusions apply, coverage may not be available in all jurisdictions, and Identity Guard points readers to the Summary of Benefits for the details. Treat these as limits for eligible losses and fees, not a promised payout.

On countries, the terms of use say all amounts are in US dollars, but we couldn’t find a statement of which countries Identity Guard serves. If you live outside the US, check with Identity Guard before buying.

Identity Guard pricing (as of September 2026)

These are the prices shown on Identity Guard’s plans page in September 2026. Annual plans carry a discounted first year and then renew at a higher yearly price. The first-year price varies with promotions: the page carried two different first-year offers when we checked, so we list only the monthly and renewal prices, which were the same in both. Check the plans page for the current first-year offer before you buy. Our Identity Guard pricing guide sets out every plan’s family and renewal prices.

Plan	Billed monthly	Annual: first year	Annual: renews at
Value, individual	$8.99 a month	Discounted; varies with promotions	$107.88 a year
Value, family	$14.99 a month	Discounted; varies with promotions	$179.88 a year
Total, individual	$19.99 a month	Discounted; varies with promotions	$239.88 a year
Total, family	$29.99 a month	Discounted; varies with promotions	$359.88 a year
Ultra, individual	$29.99 a month	Discounted; varies with promotions	$359.88 a year
Ultra, family	$39.99 a month	Discounted; varies with promotions	$479.88 a year

Family plans cover five adults and unlimited kids.

Renewal, cancellation and refund terms

• Automatic renewal. Identity Guard’s terms (last updated March 4, 2026) say subscriptions renew automatically at the “Renewal Price” unless you cancel at least one day before the next billing cycle. It says it emails you before renewal.
• Price changes. Fees can change with at least 30 days’ notice, taking effect from the next billing cycle.
• Cancelling. By phone, by email or by logging into your account. Cancellation takes effect at the end of the current billing cycle.
• Refunds. Identity Guard offers a 60-day money-back guarantee on annual plans bought through its websites or its customer support team, requested by phone within 60 days of the initial purchase. Its FAQ says monthly plans aren’t eligible for refunds. Otherwise, the terms say amounts paid are non-refundable, and plans bought through employers or resellers follow separate rules.
• Free trial. The terms describe how a free trial works if one is offered, but the plans page we checked didn’t advertise one.

Pros and cons

Pros	Cons
Lower entry price than many suites, from $8.99 a month on monthly billing	No data broker removal listed on any plan
$1 million identity theft insurance on every tier	White glove fraud resolution only on Ultra
Family plans cover five adults and unlimited kids	Three-bureau credit monitoring starts at Total, not Value
60-day refund window on annual plans bought direct	Monthly plans get no refund, and annual prices rise at renewal
Password manager and safe browsing included	No antivirus or VPN listed

Privacy and trust considerations

Any identity protection service needs a lot of sensitive data to work: your Social Security number, your credit file and, for account monitoring, details of your financial accounts. Before signing up:

• Read the privacy policy. Identity Guard’s links to Aura’s privacy policy, so the parent company’s data practices are the ones that apply.
• Understand the arbitration clause. Its terms require binding individual arbitration and waive class actions, as many consumer subscriptions do. Read that section before you agree.
• Know the limits of alerts. Monitoring tells you after something has happened. A free credit freeze at each bureau stops most new credit accounts being opened at all, and it works alongside any paid service.
• Check the insurance terms. Our guide to identity theft insurance explains what these policies typically pay for and what they exclude.

A worked example

This is an illustrative scenario, not a real client.

Tom, a retired teacher, got a letter saying his details were exposed in a data breach. He wants alerts and a credit score to check, and he’d like someone to call if fraud happens.

1. He freezes his credit at the three bureaus first, which costs nothing.
2. He compares Identity Guard’s tiers. Value doesn’t include credit monitoring, and only Ultra includes white glove fraud resolution, so the tier he’d actually want is Ultra.
3. He compares Ultra’s first-year and renewal prices with other suites and with the free steps, and decides whether hands-on fraud help is worth that cost to him.
4. If he buys, he pays annually so the 60-day refund window applies, and notes the renewal date.
5. He handles people-search listings separately using free opt-out forms, since Identity Guard doesn’t list removal.

Alternatives to Identity Guard

Our free options first

123 Reputation Management doesn’t offer credit monitoring, identity theft insurance or breach monitoring. What we do offer covers the gap Identity Guard leaves: your personal information showing up online.

• Our free Reputation Scanner, launching soon. A self-search tool that will find harmful results about you, rank the top 10 negative results by seriousness, and draft removal requests, including for personal information and doxxing, that you review and send yourself. It will be free to use, with no account and no billing. See how the scanner will work.
• Do-it-yourself opt-outs. Our guide to removing yourself from people-search sites covers the major sites for free.
• Free official protections. Credit freezes, free reports at annualcreditreport.com and the FTC’s IdentityTheft.gov recovery plans. Our guide to ways to prevent identity theft explains each one. Readers in Britain can start with our guide to identity theft in the UK.

Another paid option: Aura

If you want data removal and device security in the same subscription, Identity Guard’s parent company sells that bundle. As of September 2026, Aura’s Individual plan costs $12 a month billed annually or $15 monthly and includes three-bureau credit monitoring, antivirus, a VPN, a password manager and data removal from 425+ sites. See our Aura pricing guide or the Aura vs LifeLock comparison. To see Identity Guard side by side with the bigger suites, read our Aura vs Identity Guard breakdown and our comparison of Identity Guard and LifeLock, or browse our wider list of LifeLock alternatives, which includes Identity Guard.

No subscription can remove everything: listings reappear, some sites ignore requests, and public records stay public. Our guides on whether data removal services are worth it and how data broker removal services work explain why.

When you need more than identity monitoring

Identity Guard watches for fraud. It won’t do anything about a negative article, a review or a post that appears when someone searches your name. If that’s the problem, our personal reputation management service starts with a free audit.

Frequently asked questions

Is Identity Guard legit?

Identity Guard is an established US identity protection brand owned by Aura. Its about page traces the business back to Intersections Inc. in 1996. As with any service, read its terms, privacy policy and insurance Summary of Benefits before you sign up.

Is Identity Guard owned by Aura?

Yes. Identity Guard’s FAQ says Aura is its parent company, and its terms of use refer to “Aura Identity Guard”. The two sell separate plans, and Identity Guard’s plans don’t list Aura’s data removal feature.

How much does Identity Guard cost?

As of September 2026, monthly billing runs from $8.99 (Value, individual) to $39.99 (Ultra, family). Annual plans have a discounted first year and then renew at $107.88 to $479.88 a year depending on the plan. Check Identity Guard’s plans page for current prices.

Does Identity Guard remove personal information from data brokers?

Its plans page doesn’t list data broker removal on any tier as of September 2026. It focuses on monitoring, alerts, insurance and, on Ultra, fraud resolution. For removal, use free opt-outs or a service that includes it.

Can I get a refund from Identity Guard?

Annual plans bought through Identity Guard’s websites or support team carry a 60-day money-back guarantee. Its FAQ says monthly plans aren’t eligible for refunds.