Identity theft coverage — part of Surfshark One+
- Identity theft recovery benefits of up to $1M
- Access to a licensed identity theft investigator
- Available for new Surfshark One+ users in the US
Disclaimer: Identity theft coverage is available for new Surfshark One+ customers residing in the US, including US territories and the District of Columbia, except for New York State residents. Surfshark is not a licensed insurance producer. Benefits under the Master Policy are issued and covered by HSB Specialty Insurance Company. You can find further details and exclusions in the summary of benefits for the state of Washington and the rest of the US.
What is identity theft coverage?
Identity theft coverage is a feature of the Surfshark One+ bundle that helps cover the costs of identity theft recovery after fraud, scams, or data leaks compromising your personal information.
Surfshark’s coverage offers up to $1M for expenses like document replacement and legal fees, plus $1,000 for mental health counseling. You’ll also have access to a licensed identity theft investigator.
Source: FTC, 2025 data
What does identity theft coverage include?
Surfshark One+ identity theft coverage offers professional support from a licensed identity theft investigator and up to $1M reimbursement for expenses incurred while restoring your identity. This includes:
Credit bureau reports
Replacement of documents and fees
Legal costs associated with identity theft
Lost wages, including child and elder care (up to $5,000)
Mental health counseling (up to $1,000)
Other related expenses (up to $1,000)
How to use your identity theft coverage
1. Get Surfshark One+
Identity theft coverage is automatically included in all Surfshark One+ plans for new US customers.
2. Set up your monitoring tools
Use Surfshark’s data leak monitoring, email scam checker, and more to spot signs of identity theft and catch issues early.
3. File a claim if needed
If your identity is compromised, start your claim online through your Surfshark account or via the toll-free hotline listed in our help center.
Find the right plan for you
A Surfshark One+ subscription offers comprehensive identity theft protection plus our VPN, Antivirus, personal data masking, and other privacy features.
Surfshark One+
Keeps your online activities & devices safe, with extra focus on identity protection.
- VPN: surf safely online
- Alt ID: protect your identity
- Clean Web: block ads & pop-ups
- Antivirus: armor your devices
- Alert: monitor data breaches
- Identity theft coverage: up to $1M
- Incogni: reclaim your data
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One subscription. Multiple layers of protection.
Surfshark combines privacy, security, and identity protection in a single cybersecurity suite.
Secure connection
Browse with greater privacy using Surfshark VPN to encrypt your web traffic, mask your IP address, protect sensitive data on public Wi-Fi, and block ads and malicious domains.
Device protection
Protect your devices from malware, spyware, and other online threats with Surfshark Antivirus — real-time protection, scheduled scans, and more.
Scam detection
Stay one step ahead of scams with our scam text protection, email scam checker, and web content blocker working together to help you spot threats before you interact with them.
Identity protection
Shield your digital identity with personal data masking, monitor for data leaks, reduce your online exposure with Incogni, and get support for identity theft recovery.
Don’t be on your own if identity theft hits
Get up to $1M in identity theft coverage with Surfshark One+.
Frequently asked questions
Is identity theft coverage worth it?
Yes, identity theft coverage is worth it for most people. Recovering from identity theft can be costly and time-consuming, involving charge disputes, document replacement, and credit repair.
Coverage like Surfshark One+’s reimburses up to $1M in recovery costs, including up to $1,000 for mental health counseling and up to $5,000 in lost wages. If you’re already using the bundle, it’s essentially a built-in safety net.
How can you prevent identity theft?
You can take the following steps to help prevent identity theft:
- Use strong, unique passwords;
- Avoid oversharing personal information online;
- Turn on 2FA (Two-factor Authentication) on your accounts;
- Monitor your bank and credit statements for unusual activity;
- Use a VPN on public Wi-Fi to protect your data from interception.
Who provides Surfshark’s identity theft coverage?
Benefits under the Master Policy are issued and covered by HSB Specialty Insurance Company. Surfshark is not a licensed insurance producer.
Do I need to pay extra for identity theft coverage?
No, identity theft coverage is included in Surfshark One+ bundles at no extra cost.
Is identity theft coverage available to all US residents?
No, the identity theft coverage is not available for New York State residents. It is available to customers residing in the rest of the US, including the US territories and the District of Columbia.
How much recovery is included in Surfshark’s identity theft coverage?
Identity theft coverage reimburses up to $1M for expenses incurred while restoring your identity, including credit bureau reports, document replacement fees, legal costs, lost wages (up to $5,000), mental health counseling (up to $1,000), and other related expenses (up to $1,000).
How do I file a claim using identity theft coverage?
You can file an identity theft coverage claim online by navigating to the Identity theft coverage page in the Surfshark web app and clicking File a claim or by calling our toll-free hotline.
