> ## Documentation Index
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# McAfee Identity Theft Coverage: Up to $2 Million Protection
> McAfee identity theft coverage provides up to $2 million for lawyer fees, stolen funds, and travel expenses if your identity is stolen.
Even with the best preventive tools in place, identity theft can still happen — and when it does, the financial and emotional toll can be enormous. Restoring a stolen identity often involves months of work, legal fees, lost wages, and out-of-pocket expenses that most people are completely unprepared for. McAfee provides financial protection and expert recovery support through its identity theft coverage, so that if you ever become a victim, you're not facing the aftermath alone. With up to \$2 million in coverage and 24/7 access to licensed recovery specialists, McAfee gives you a genuine safety net backed by real financial protection. To unlock this coverage, complete your McAfee subscription activation at **mcafee.com/activate** using your 25-digit product key — the entire process takes only a few minutes.
## The Scale of the Identity Theft Problem
Identity theft is not a rare event — it's an ongoing crisis that affects millions of people every year, with financial consequences that can follow victims for years.
Identity fraud caused \$52 billion in total losses in 2021 alone, affecting 42 million US consumers — a figure that continues to grow year over year.
Approximately 2.5 million identities are stolen every year in the United States, with victims spending an average of 200 hours resolving the damage.
57% of US consumers believe it's only a matter of time before they become a victim of identity theft — and the statistics suggest they're right to be concerned.
The most damaging aspect of identity theft isn't always the immediate financial loss — it's the long tail of consequences. Fraudulent accounts can damage your credit for years. Legal fees to fight fraudulent debts can be overwhelming. Replacing lost or stolen IDs takes time and money. McAfee's identity theft coverage is designed to absorb these real-world costs so you can focus on recovery instead of financial survival.
## What's Covered
Dedicated licensed identity recovery experts are assigned to your case and work on your behalf — with limited power of attorney — to dispute fraudulent accounts, contact creditors, and restore your identity.
Up to \$2 million in coverage for lawyer fees, travel expenses, lost wages, and stolen funds reimbursement resulting directly from a confirmed identity theft incident.
If your wallet is lost or stolen, McAfee helps you cancel and replace your driver's license, credit cards, debit cards, Social Security card, and other key IDs quickly.
Around-the-clock access to identity recovery specialists means you can get help the moment you discover a problem — not during the next business day.
## Coverage Details
### Up to \$2 Million in Financial Reimbursement
McAfee's identity theft insurance covers the documented costs you incur as a direct result of identity theft. Covered expenses include:
* **Attorney and legal fees** — the cost of hiring a lawyer to dispute fraudulent debts, contest fraudulent accounts, or take legal action against identity thieves
* **Travel expenses** — documented travel costs required to attend hearings, meet with creditors, or work with law enforcement related to your identity theft case
* **Stolen funds reimbursement** — money stolen directly from your accounts as a result of identity theft, up to the coverage limit
* **Lost wages** — income lost due to time taken off work to resolve identity theft issues (subject to policy terms and documentation requirements)
Coverage is underwritten by a third-party insurer and subject to policy terms and conditions. Review your plan documentation for complete coverage details and limits.
### Licensed Identity Recovery Experts — Available 24/7
When identity theft strikes, knowing what to do and in what order can be the difference between resolving the problem in weeks versus years. McAfee provides access to dedicated licensed identity recovery specialists who:
* **Work on your behalf with limited power of attorney** — meaning they can contact creditors, dispute fraudulent accounts, and communicate with credit bureaus directly in your name, saving you hundreds of hours of phone calls and paperwork
* **Create a personalized recovery plan** — tailored to the specific type of identity theft you've experienced, whether it involves credit fraud, tax fraud, medical identity theft, or account takeover
* **Stay with your case until it's resolved** — you're assigned a dedicated specialist, not shuffled between different agents each time you call
* **Available 24 hours a day, 7 days a week** — because identity theft doesn't follow business hours, and neither does McAfee's support
### Lost Wallet Protection
Losing your wallet is stressful — and dangerous. The combination of a driver's license, credit cards, debit cards, and other IDs in a criminal's hands can enable rapid financial fraud and identity theft. McAfee's lost wallet protection provides immediate assistance with:
* Canceling compromised credit and debit cards by contacting your card issuers
* Guiding you through the replacement process for your driver's license and state-issued ID
* Helping you request a replacement Social Security card through the proper channels
* Assisting with replacement of other key IDs such as passport, insurance cards, and membership cards
## How to File a Claim
As soon as you discover or suspect identity theft, contact McAfee's 24/7 recovery support line through the McAfee app or your account portal. The sooner you engage a recovery expert, the faster the process moves.
A licensed recovery expert is assigned to your case. They'll review the details of what happened, explain your coverage, and help you execute a step-by-step recovery plan — including contacting creditors and credit bureaus on your behalf.
Keep records of all expenses related to the identity theft incident — legal fees, travel receipts, documentation of stolen funds, and records of lost wages. These will be required to process your insurance claim.
Your recovery specialist will guide you through the claims process with McAfee's third-party insurance underwriter. Submit all documented expenses for review and reimbursement up to your plan's coverage limit.
Once your claim is reviewed and approved by the underwriter, you'll receive reimbursement for covered expenses. Your recovery specialist remains available throughout this process to answer questions and assist with any follow-up documentation.
## Plan Availability
Identity theft coverage is included in the two highest McAfee+ tiers:
| Plan | Annual Price | Coverage Limit | Recovery Experts |
| --------------------------- | ------------ | ----------------- | ------------------ |
| McAfee+ Advanced Individual | \$89.99/yr | Up to \$1 million | Yes, 24/7 |
| McAfee+ Ultimate | \$199.99/yr | Up to \$2 million | Yes, 24/7 priority |
Coverage limits and specific terms vary between plans. Review the full insurance policy documentation in your McAfee account for complete details on covered expenses, exclusions, and claim procedures.
## Frequently Asked Questions
McAfee's identity theft coverage is underwritten by a licensed third-party insurance company. The insurance is included as part of your McAfee+ Advanced or Ultimate subscription. Full policy details, including the underwriter name, are available in your McAfee account documentation.
Deductible terms are outlined in the insurance policy included with your McAfee+ plan. Review your plan documentation in your McAfee account for specific deductible information and coverage conditions.
Covered incidents typically include unauthorized use of your personal information to open accounts, make purchases, file fraudulent tax returns, or access your existing accounts without permission. Your recovery specialist will review your specific situation to confirm coverage eligibility.
McAfee+ family and household plans extend coverage to eligible household members. If you're on an individual plan, coverage applies to you only. Upgrade to a household plan or check your current plan terms for family coverage details.
McAfee identity theft coverage is underwritten by a third-party insurer and is subject to policy terms and conditions. To access coverage, complete your McAfee software activation for McAfee+ Advanced or Ultimate at **mcafee.com/activate** using your 25-digit McAfee product key, then complete enrollment in the McAfee Identity section of your account. Coverage begins once enrollment is confirmed.