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LAST UPDATED: February 18th, 2024

ReliaShield strives to provide smarter, more affordable ways for individuals and families to protect themselves from the perils of identity theft.

According to its website, the identity theft protection service has provided risk management help to over one million Americans since its founding in 1999.

ReliaShield's plans include up to $1 million in stolen funds and expense reimbursement along with recovery services, and a variety of identity theft monitoring and alerts. The company also provides identity theft protection services to children at no additional cost if they are a part of the company's family plan.

ReliaShield provides three different identity protection plans for individuals and families. Along with a $1 million reimbursement, each plan includes unlimited identity restoration services, free credit report reminders, data breach updates, wallet protection, various monitoring services, and more.

Read on to learn more about what ReliaShield has to offer and to see verified customer reviews. 

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The Good

  • Competitive Pricing
  • $1 Million Identity Theft Insurance
  • Complete Identity Theft Coverage
  • Cancellation Policy

Competitive Pricing

ReliaShield offers identity theft services for a significantly lower monthly price than many other identity theft protection companies.

Individuals and families can choose from the ReliaShield Essential Plan, the ReliaShield Prime Plan, or the ReliaShield Elite Plan. Although the Essential Plan is the cheapest plan, it still provides customers with a long list of identity protection services.

According to the company's website, all of ReliaShield's family plans come with free identity theft protection coverage for kids. Potential family plan customers should note that this free coverage only exists for children who are under 18 years old in the household. 

$1 Million Identity Theft Insurance

Unlike some other identity theft companies, ReliaShield offers customers up to $1 million in stolen funds and expense reimbursement.

Customers who become victims of identity theft while using ReliaShield services will be fully covered under the company's insurance policy. 

Complete Identity Theft Coverage

In addition to identity theft insurance, the company provides protection for all types of identity theft.

Depending on which plan they choose, customers can get a variety of monitoring and alert services including personal information monitoring, social security number monitoring, change of address monitoring, court records monitoring, data breach updates, wallet protection, credit monitoring, and more.

In addition to its monitoring services, ReliaShield provides unlimited identity restoration services, free credit report reminders, timely alerts, and around-the-clock customer service. 

Cancellation Policy

ReliaShield customers can cancel their identity protection service subscriptions at any time regardless of whether they are paying monthly or annually.

The company will provide pro-rated refunds to annual subscribers for the remaining months of unused service after the cancellation occurs.

ReliaShield appears to have a clearer cancellation policy than some other companies in the industry. This can benefit consumers who are looking for more of a non-commital identity theft subscription service. 


The Bad

  • No Pre-existing Condition Assistance
  • Unclear Regarding Antivirus Software
  • Additional Cost for Tri-Bureau Monitoring

No Pre-existing Condition Assistance

Although ReliaShield has extensive recovery options, the company does not provide any assistance or aid for those with pre-existing identity theft conditions.

The recovery options the company does provide are strictly dedicated to customers who fall victim to identity theft while paying for ReliaShield's identity protection services.

Unclear Regarding Antivirus Software

It is unclear whether or not ReliaShield provides antivirus software to customers. Customers who are interested in antivirus software should contact the company directly for complete disclosure.

Additional Cost for Tri-Bureau Monitoring

Customers should expect to pay extra for the company's Elite Plan if they wish to get tri-bureau credit monitoring services.

The Essential Plan does not include a credit bureau monitoring service and the company's Prime Plan only includes a single bureau credit monitoring service.

The ReliaShield Elite Plan is the most expensive plan and the only plan that offers credit monitoring services for all three credit bureaus.


The Bottom Line

ReliaShield has been in business since 1999 and provides potential customers with a variety of identity theft protection plans to choose from at fairly reasonable prices. Customers can choose between the ReliaShield Essential Plan, the ReliaShield Prime Plan, and the ReliaShield Elite Plan.

The company also offers customers enhanced recovery services, up to $1 million in identity theft insurance, and promises to protect against all types of identity theft. ReliaShield also provides 24/7 U.S.-based customer service as well as free coverage on all of its family plans for children who are under the age of 18.

Consumers should note that ReliaShield also has a fairly clear cancellation policy and provides pro-rated refunds to annually-paying consumers who cancel their subscriptions.

Unfortunately, ReliaShield does not appear to help customers with pre-existing identity theft conditions, like some other companies in the industry do.  It is also unclear if the company provides any sort of antivirus or computer protection software. Additionally, customers are required to pay for the Elite Plan in order to get monitoring services for all three credit bureaus.

If you are searching for a comprehensive identity theft protection subscription service that has a clear cancellation policy, ReliaShield may be a good fit. We do recommend, however, that you read company reviews and visit the company's website before signing up for its services. 

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josef C drobnik ON

Bad company, stay away. I signed up 8 months ago. Three months ago I filed a claim. Somebody broke into my bank account, total damage about $2600. Immediately declined: "I voluntarily provided money and information" Really nice statement, it will work all the time. When one lock into his bank account of course he needs to provide the login information; so it's my fault - not covered! I filed a complaint, appeal, all declined. Basically this company is just waist of money.

4 months ago

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Ashley Johnson Greenbrier, TN

I am incredibly satisfied with the protection I receive through ReliaShield. After purchasing the Prime plan, I put in the information that I wanted to be monitored and got email alerts letting me know if anything was at risk. I haven't had to use them because I was a victim but I feel like I'm in good hands if something does happen.

6 years ago

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Samantha Nashville, TN

The representative I worked with was so helpful. He talked to me about which plan was right for our family. The Neighborhood Predator Monitoring and Social Media Monitoring are invaluable, especially if you have children.

5 years ago

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Tracie H

It's a scam...NONE of the phone numbers to ReliaShield work. There is no ReliaShield. Buyer BEWARE. And once they have your credit card information, there is no way to cancel your account or delete your account from them. DO NOT USE THIS COMPANY!

5 years ago

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Amanda White House, TN

Wonderful company offering competitive pricing.

6 years ago Edited September 14, 2021