« Back

Identity Theft Protection

Identity Theft is the fastest growing crime in America, claiming 9.9 million victims in 2002 and costing an average of $1,180 per individual victim. Identity Theft Protection is on hand 24 hours a day to help protect Members' good name by providing comprehensive, personalized prevention and recovery services.

Europ Assistance USA (EA) treats each Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for the Covered Member any or all of the following steps necessary to attempt to undo or prevent further damage:

• Obtain all pertinent credit information and history from the Covered Member on the phone to determine if a fraud or theft has occurred.
• Educate the Covered Member on how Identity Theft occurs and inform him or her of protective measures to take to avoid further occurrences.
• Provide the Covered Member with a helpful ID Theft Resolution Kit.
• Provide the Covered Member with a uniform ID Theft Affidavit (“Affidavit”), and answer any question with regard to completing the Affidavit. It is the Covered Member’s responsibility to submit the
  Affidavit to the proper authorities, credit bureaus, and creditors.
• Assist the Covered Member with credit and charge card replacement.
• Assist the Covered Member with notification of all three major credit-reporting agencies to obtain a free credit report for the Covered Member and to place an alert on the Covered Member's records with the agencies.
• Translate whenever necessary such as when caller is overseas and needs help communicating with the local police in order to file a report of an Identity Theft incident.
• Provide emergency cash advance (up to $500) when theft occurs 100 miles or more away from primary place of residence. Such cash advance shall be secured by a valid credit card. Any advance made to the Covered Member, not otherwise secured by a valid credit card and paid to EA by the credit card company within 30 days of such advance has to be reimbursed by the Covered Member to EA within 30 days from the date such advance is made. Thereafter any amount due will earn interest at a rate of 1.5% per month. Notwithstanding anything to the contrary herein, EA shall be under no obligation to advance funds not otherwise secured by a valid credit card.

CONDITIONS OF SERVICE
All completed membership applications received and processed on or before the 25th of any month will be effective on the first day of the following month. Membership applications received and processed after the 25th of any month will be effective 30 days from the 1st of the following month.

Only Covered Members are eligible for these services. Identity theft(s) discovered by the Covered Member prior to enrollment in the Program are not eligible for service. EA does not guarantee that its intervention on behalf of the Covered Member will result in a particular outcome or that its efforts on behalf of the Covered Member will lead to a result satisfactory to the Covered Member. EA Services do not include, and EA shall not assist the Covered Member for thefts involving non-US bank accounts. Services are provided by Europ Assistance USA, Inc.

THIS IS NOT INSURANCE.
Payment must be made at the time of service in order to receive a discount.