Capital to Reimburse.
Experts to Restore.

Coverage depends on your plan tier. Identity Theft Expense Reimbursement ranges from $25,000 up to $5,000,000 per membership per year, covering costs like legal filings, document replacement, notarization, lost wages, and other expenses tied to restoring your identity after fraud.

The Identity Fraud Expense Reimbursement, Cash Recovery, and related benefits are underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under a group policy issued to Enfortra for the benefit of its members.

Expense Reimbursement covers the costs of recovering from identity theft: legal fees, notarization, lost wages, and similar administrative expenses. Cash Recovery is a separate benefit (sub-limit, not additional to the aggregate) that reimburses actual stolen funds that couldn't be recovered through your financial institution, up to $1,000,000 depending on tier.

No. Cyber Extortion coverage reimburses expenses tied to recovering from an attack, such as negotiation assistance, technical support for restoring a device, and reinstalling an operating system, but it does not cover ransom payments themselves.

It reimburses legal and administrative costs if someone fraudulently transfers title to your property, forges a deed, or files an unauthorized lien, including legal representation and quiet-title actions to restore rightful ownership.

No. Several optional modules, including Cyber Extortion and Home Title Fraud, are not available to New York residents, and some providers also exclude Texas for Home Title coverage. Availability varies by state and by underwriter.

Once a completed proof of loss is submitted, claims are typically settled within 90 days, and payment is issued within 30 days of reaching agreement on the claim or a final judgment.

Common exclusions include losses caused by the member's own fraudulent or dishonest acts, losses from voluntarily giving away access credentials, indirect or consequential losses, lost potential income, cryptocurrency losses, and any loss discovered before your coverage began.

Yes. Coverage only applies to losses that occur while you're an active, paid member. Claims for incidents that happened before enrollment or after cancellation are not covered.

The underlying insurance language is largely standardized across the industry since most providers use the same underwriter. What varies is the aggregate limit per tier and which optional modules (Cyber Extortion, Home Title, Senior Protection, etc.) are bundled in. Enfortra's white-label model lets you configure which tiers and modules are offered to your customers, rather than being locked into a single provider's fixed plan structure.