As you probably know, identity theft is a real problem these days. That’s why we research, test, and recommend identity protection services like MyIDCare. If you become a victim of an identity crime, it could cost you thousands of dollars, and it might cost a lot more if you don’t catch it fast. Thankfully, services like MyIDCare work like an alarm system, but for your identity. Plus, they often come with recovery services and insurance policies as a safety net.
After using their products and sharing everything we learned in our full review of MyIDCare, we know these plans inside and out. So we’re going to cover everything you need to know about this service before you sign up. We’ll lay out all of the plans, pricing options, deals and discounts, and other details you should know about. Without further ado, let’s get started.
What MyIDCare plans include:
Like most identity monitoring services, MyIDCare gives us more than one plan to choose from. Depending on your budget, you’ll want to focus on one plan or another. But note that the different price points also mean different coverage levels. Typically, the more you spend, the better coverage you get against identity thieves. We’ll talk more about this in just a moment. But first, let’s take a closer look at your pricing options.
|MyIDCare Essentials||$9.95 per month||$19.95 per month|
|MyIDCare Premier||$19.95 per month||$39.95 per month|
We’re no strangers to entry-level prices for identity monitoring. In our reviews of services like Zander Insurance and IDShield, we talk all about the typical ten-bucks-a-month rate for basic protection.
Price matters, but we’ve been doing this a long time — so we know that features matter, too. You must ask yourself: what am I really getting for my money? So let’s take a look at what’s actually included in MyIDCare plans. Once we know what we’re getting, we can weigh the value and see how it stacks up against the competition when it comes to pricing.
With MyIDCare, you’ll have the choice between two plans and two different types of coverage. You can get the entry-level “Essentials” plan, or the higher-end “Premier” plan. Note that each of these can cover one individual or a whole family (if you opt for family protection).
We’ve learned that family plans aren’t all the same, as some cover more kids than others. Thankfully, MyIDCare’s plan covers two adults and up to five children. Although we’ve used other plans that can cover up to ten children, we can say that this is pretty solid coverage that should be enough for most families.
The family plan versions of the Essential and Premier plans offer both of the two covered adults all of the same features as one adult would get with the individual plan. On the other hand, any kids in your home will get slightly different coverage that doesn’t include credit monitoring. This is actually pretty typical. And keep in mind that most competitors don’t have credit monitoring for kids. PrivacyGuard is one exception.
Did You Know: If you think kids can’t have their identities stolen, think again. Crooks can use a child’s social security number to land credit cards, loans, and even government benefits.1 Though adults are at higher risk, kids aren’t completely safe from identity thieves.
The family plan option is a smart choice if you have a family. Child identity theft is rare, but child identity monitoring is a nice safety net to have. Also, it goes without saying that signing up with identity protection for a spouse is important, too.
Family plan or not, you’ll have to choose between MyIDCare’s Essentials and Premier service levels. So let’s look at what each of these popular options include.
MyIDCare Essentials is the most basic plan offered by MyIDCare. It may be cheap, but you’ll like that it covers all the important features. These features include monitoring for social security numbers, names, physical addresses, email addresses, phone numbers, and more. MyIDCare is constantly looking for your sensitive information online with its Cyberscan brand of internet scanning.
Cyberscan also covers the Dark Web. If you’re not familiar, the Dark Web is a part of the internet that you need a special browser just to visit. Some Dark Web sites are perfectly safe and legal, but others aren’t. MyIDCare attempts to scan all known Dark Web hotspots.
Keep in mind that nobody knows how big the Dark Web actually is, so monitoring the Dark Web isn’t an exact science.2 With that said, when it comes to protecting your identity against cybercriminals, even basic monitoring is better than no monitoring at all.
FYI: Dark Web traffic is really hard to track, making it appealing to crooks. When personal information is bought and sold illegally on the web, the Dark Web is often where it happens.
The Essentials plan also gives you credit monitoring. However, when we tested the product, our Essentials version of credit monitoring only covered one of the three major bureaus. We much prefer three-bureau monitoring. But again, similar to our sentiments on Dark Web monitoring, one-bureau credit monitoring is better than no credit monitoring at all. And of course, if you’re looking for three-bureau monitoring, we’ll get to that in just a bit.
We also want to see recovery services and insurance included in the top identity theft protection plans. Fortunately, even the Essentials plan from MyIDCare has these bases covered. When it comes to recovery, one thing to note is that MyIDCare has a 100% recovery guarantee with all plans. We typically don’t see a guarantee like this in the industry.
Finally, you can get Essentials as an individual plan or a family plan to cover your whole household with a little extra peace of mind. The individual plan is only $9.99 per month, which is an all-around great value in our experience. Our only gripe is that it only monitors one credit bureau.
Who it’s best for: Budget-conscious shoppers looking for an affordable plan that comes with all the essential identity protection features including identity and credit monitoring, recovery services, and insurance.
With MyIDCare Premier, we enjoyed the same key features that MyIDCare Essentials includes. We also had access to some upgrades and new features.
We liked that MyIDCare Premier takes the Essentials plan’s credit monitoring and upgrades it to three-bureau monitoring. With Premier, we were covered by Equifax, Experian, and TransUnion.
Pro Tip: If you can, you should cover all three major credit bureaus. Why? Because the credit bureaus don’t share information with each other.3 They are likely to have the same information, but there’s no guarantee, so monitoring all three gives you the ultimate protection. Why let things slip through the cracks?
The one-bureau versus three-bureau coverage is the big difference between MyIDCare Essentials and MyIDCare Premier. But it’s not the only difference we found.
The Premier plan also covered our social media presence. That is, MyIDCare Premier includes a feature called “SocialSentry.” During our trials, SocialSentry kept a tab on our presence on social media websites like Facebook and Instagram. We do recommend this bonus feature, as it can help to protect your privacy online. Monitoring can detect and alert you if your password has been cracked or your account has been stolen. It can also let you know if (or when!) you’ve shared too many risky details about your finances or your vacation plans.
Did You Know: Crooks love when you post about your vacation on social media. Advertising that you’re not home is an invitation to burglars. So you’re better off waiting until your vacation is over to share those vacay pics!
The other reason to track your social media presence is to protect your reputation. You don’t have to get hacked to share an indecent post: if you’re not thinking straight, you might do it yourself! And you probably know that a single controversial post can put your whole career in jeopardy. That’s why we always recommend a plan with social media monitoring, just in case.
Who it’s best for: MyIDCare Premier is best for those who want three-bureau credit monitoring and for folks who are active on social media.
If you’re considering signing up for MyIDCare, you should make sure that you’re getting the best price possible. After all, identity theft protection is important, but you don’t want to overpay on subscription fees! We’re here to help with that.
Here are the best current MyIDCare prices that we’ve found.
|MyIDCare Essentials||MyIDCare Premier|
|Single Credit Bureau Monitoring||Three Bureau Credit Monitoring|
|Dark Web Monitoring||Dark Web Monitoring|
|Change of Address Monitoring||Change of Address Monitoring|
|Court Record Monitoring||Court Record Monitoring|
|Payday Loan Monitoring||Payday Loan Monitoring|
|Social Security Fraud Monitoring||Social Security Fraud Monitoring|
|Lost Wallet Coverage||Lost Wallet Coverage|
|Identity Recovery||Identity Recovery|
|$1 Million Identity Theft Insurance||$1 Million Identity Theft Insurance|
|Family Coverage||Family Coverage|
How much are you really getting for your money with MyIDCare?
After getting real-world experience with their services, we can say that MyIDCare offers pretty fair prices. We were impressed by the budget plan. We often see deals for $10 per month, but they don’t always include all four of our must-have features (identity monitoring, credit monitoring, recovery, and insurance). Thankfully, MyIDCare Essentials does.
Also, MyIDCare Premier is reasonably priced for individuals. We’ve found that three-bureau coverage usually costs us right around $20-$25 per month, so there were no surprises here.
However, we were a little less impressed with the family plan prices ($39.99 per month certainly isn’t cheap!). The family version of MyIDCare Premier costs more than similar plans from quality identity protection brands like Identity Guard and Experian IdentityWorks.
MyIDCare is owned by a company called IDExperts. IDExperts was founded in 2003, and MyIDCare made its debut in 2004.4 While it’s not the most experienced company in the industry, we think 15+ years is plenty of time to perfect your craft.
It’s worth mentioning that the company has a pretty good reputation with its users. MyIDCare has even won its share of industry awards, and it has an A+ rating with the Better Business Bureau.
The family plan doubles your coverage to include full features for two adults instead of just one. It also covers up to five minors with key features, including Cyberscan and insurance.
Yes. We always recommend that you keep your personal information as secret as possible, but it’s okay to give your private info to financial institutions and security companies like MyIDCare. Just look out for phishing scams, and make sure you’re really dealing with the company or organization you think you are.
Yes. You can get an annual credit report from one credit bureau with MyIDCare Essentials or an annual three-bureau report with MyIDCare Premier.
Yes, you can. MyIDCare bills by the month, and you can cancel at any time. Canceling means that you won’t be billed again. You won’t get a refund for any past payments, but you’ll still have your MyIDCare plan until the end of the month you most recently paid for.
Grant, Kelli B. (2018, April 24). Identity Theft Isn’t Just an Adult Problem. Kids are Victims, Too. CNBC.
Arthur, Charles. (2016, March 23). The Dark Web: How Big, How Dark, and What’s Out There? Alphr.
Issa, Natalie. (2019, April 18). How Do Credit Scores Work? Credit.com.
ID Experts. Retrieved June 18, 2020. Our History.