USAA Identity Theft Protection Review and Pricing Plans

See what identity theft protection options exist for your USAA account and find out what to do if you think your USAA account may have been compromised.

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Did you know that every two seconds someone becomes a victim of identity theft and that 16.7 million Americans have been affected by identity theft? Those are some pretty serious statistics. And the only way to proactively protect yourself is by subscribing to a full coverage identity theft protection service. Anything less, is, well, LESS, that will end up costing you more in the long run.

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What Is USAA Identity Theft Protection?

USAA is a company that only offers its services to current and former members of the military and their families. So if you aren’t associated in any way with the military, you won’t be able to get the USAA identity theft protection services.

The USAA identity theft protection services are free to their members. They have teamed up with Experian to provide their members, free of charge, with credit monitoring and alerts, a monthly FICO Score 8, fraud resolution support, a yearly credit report, FICO score tracker, and a FICO score simulator.

Considerations for USAA Identity Theft Protection

Although the USAA identity theft protection service is free and does offer some good protections, it doesn’t offer complete, full coverage identity theft protection services. And the services it does offer are limited. For example, you only get a copy of one credit bureau report (Experian) a year. Also, if you were to experience an identity theft event, the USAA identity theft protection service doesn’t have an identity theft insurance policy to help you, nor does it offer emergency funds, stolen funds reimbursement, lost wages reimbursement, or any of the other extremely important and helpful services to get through it and have your name and credit restored. Additionally, if you are a victim of identity theft, USAA does offer support from a U.S.-based fraud resolution agent. However, as per their website, they only offer step-by-step instructions that will help you do all the restoration work yourself.

Identity theft restoration is an extensive and extremely time-consuming process and if you get even one step wrong, it could ultimately cause you problems for years to come, possibly even for a lifetime. Identity theft resolution is not something you want to leave to chance and hope you get it right. It’s something that is better left to a professional who knows exactly what to do to help you get your name and identity cleared and your life back to normal.

What to Do When You Notice Identity Theft in Your USAA Account?

USAA states that if you ever suspect you are a victim of identity theft or any other type of fraud, to please contact them immediately to report it. You can report identity theft to the USAA Identity Theft Assistance Center at 1-877-762-7256.

Alternatives to USAA Identity Theft Protection

We have spent hundreds of hours comparing, researching, and compiling information, so we could provide our readers with the best possible full suite identity theft protection services. Here are our top three recommended brands that are perfect alternatives to USAA identity theft protection.

Identity Guard®

Identity Guard is a highly rated identity theft protection service that uses artificial intelligence to monitor for potential identity theft issues. Their partnership with IBM® Watson™ continually scans the internet looking for possible identity theft. Once a match is found, Identity Guard will send you a mobile app and email alert so you can respond quickly.

Identity Guard has three plans that start at less than $8.00 per month (billed annually) and up to $19.99 per month (billed annually) for their upper-tier plan. However, you can opt for a monthly payment option; however, that one costs a little more a month. With Identity Guard you get comprehensive identity theft protection that includes $1 million in identity theft insurance with a stolen funds reimbursement feature included. You also get a U.S.-based dedicated case manager and a wide variety of identity theft monitoring services, and more. If you would like more information, you can read our full Identity Guard Review here.


LifeLock is probably the most widely known identity theft protection service. They offer a variety of full coverage services along with Norton 360 internet protection. So you get an all-in-one identity theft protection service that offers several plans from which you can choose. LifeLock’s services come with a million-dollar protection package, reimbursement of stolen funds, personal expense compensation, and coverage for lawyers and identity theft experts.

LifeLock’s plans range from $9.99 a month to $29.99 a month each offering its own set of protections which will depend on the plan you choose. If you want identity theft protection for your children, LifeLock has a child plan called LifeLock Junior that you can easily add to your adult plan. If you would like more information, you can read our full LifeLock Review here.


Number one rated IdentityForce and EZShield are now one company. This service is currently called “IdentityForce A Sontiq brand.” IdentityForce’s services are used by millions of people, and they are also a GSA Tier One provider for U.S. government agencies. So they must be doing something right.  IdentityForce has a $1 million identity theft insurance policy. They will monitor your personal information and if anything suspicious is found, they will alert you to it. If your identity has been compromised, they offer comprehensive 24/7 recovery services. IdentityForce will complete all the paperwork and make all the necessary calls for you while handling every intricate detail until your issues have all been resolved.

IdentityForce has protection plans that are as little as $19.95 a month up to $23.99 a month. They also offer a ChildWatch plan for a mere $2.75 a month and you can easily add the ChildWatch service fee to your plan anytime. And, if you pay annually, IdentityForce will give you a break on the price.

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Disclaimer: This content is not provided or commissioned by the companies referenced in this article. Opinions expressed here are the author’s alone and have not been reviewed, approved or otherwise endorsed by the companies mentioned. We may be compensated through advertiser affiliate programs.

Written By
Max Sheridan
Identity Theft Protection Expert

Max Sheridan brings over two decades of writing experience to our team. He has spent 1,000-plus hours researching VPNs, identity theft protection, and various topics in cyber technology. Previously, Max was an investigative journalist, and he is also a published novelist. He earned a B.A. in Classics from the University of Virginia and an M.A. in Classics from the University of Illinois. He currently lives in Nicosia, Cyprus.