ID Watchdog vs LifeLock Comparison

Verdict

Two simple plans to choose from- ID Watchdog Plus and Platinum.  It offers up to $1 million compensation with 24/7 customer support. It also partners with Equifax to lock your credit reports. Having said that, it is more expensive compared to LifeLock and does not offer family plans.

Verdict

Lifelock is a trusted and reliable brand. It has a 60-day money back guarantee and provides a dedicated identity restoration department. You also get 24/7 support. If you want cheaper and a more robust network, go for LifeLock.

Every aspect of the modern way of life is dominated by the internet. Along with the obvious ease, there is a clear risk of having your privacy compromised. That said, most people seem to be content with the humble anti-virus software when it comes to their online security.

Considering how sophisticated and persistent hackers are, that leaves a huge chink in our online security. We shouldn’t be surprised if we find out that our bank account has been wiped clean.     

Tools such as online ID projection services greatly improve your odds against such attacks and the minor investment you make will pale in comparison to the benefits. Within this article, we will compare two well-known ID protection services ID Watchdog and LifeLock to help you understand what they offer and which one should choose for your digital protection.              

ID Watchdog vs LifeLock: A Quick Comparison

If you’re short on time, here’s a quick look at what’s on offer from both services:

Features

IDWatchdog

LifeLock

Starting Price

Identity Theft Insurance Cover

$1 Million

$1 Million

Annual Plan Discount

Robust Information Screening

Dark Web Monitoring

Account Restoration Assistance

National Provider Identifier (NPI) Alerts

Family Plan

Reliable Customer Support

Sex Offender Alerts

Lost Wallet Protection

Credit Scores

Social Media Monitoring

Latest Offers

Similarities and Differences

Similarities

  • Both services offer $1 million in insurance coverage for ID theft victims.
  • Both services have a reliable customer services department.
  • They both will provide access to credit scores at least once a year.
  • Both services provide dedicated account restoration assistance.
  • They both offer bulk discounts for annual plans.

Differences

  • LifeLock offers a family while ID Watchdog does not. 
  • ID Watchdog offers National provider identifier (NPI) alerts while LifeLock does not. 
  • LifeLock offers Norton antivirus with all its plans while ID Watchdog does not. 



ID Watchdog

Features & Services

Run and owned by Equifax, a major consumer credit report agency, ID Watchdog is a relatively new entrant in the online protection niche. However, it is pertinent to mention here that they suffered a major data breach as recent as 2017 when personal information of over 140 million individuals was stolen.   

When it comes to feature bucket, they offer the following features; surveillance of USPS National change of address registry, loan database surveillance, dark web monitoring, call, email  & text alerts, fully managed resolution, $1 million insurance cover, Credit monitoring, Credit scores and reports, National provider identifier (NPI) alerts.

ID Watchdog  Plans & Pricing:

ID Watchdog has kept it plan division quite simple. There are two plans on – Plus and Platinum. Let’s take a closer look at what each of these has to offer.

1. ID Watchdog Plus

It will run you $14.95 per month. However, you can make some decent savings if you sign up for their annual plan. You will save almost 17% and will be paying $149.95 for the year instead of $179.4. You will access to all the features that we discussed above. The only thing missing is the annual credit scores and reports

2. ID Watchdog Platinum

It will cost you almost 20% more than the Plus plan at $19.95 a month. You can, however, bring your monthly payment down to $18.25 if you sign up for their annual plan. The extra price you pay gets you annual credit scores and reports from Equifax, TransUnion, and Experian. The rest of the features are identical to what the Plus plan offers.    

3. Family plans

You have the option to convert both your individual plans to family plans. The Plus family plan will run you $25.95 a month, and the Platinum family comes at $34.95 a month. With each of the family plan variations, you can add a maximum of 10 members.


LifeLock

Features and Services

LifeLock is one of the oldest names in the online ID protection niche. It offers a well-rounded package with features that include protection for your bank accounts, credit, and other sensitive information.  If you are an ID theft victim, LifeLock will help you with the account restoration process and offers generous coverage for financial loss resulting from digital fraud. 

Pricing and Plans

1. LifeLock Standard

You will have to pay $11.99 per month. You can make a decent saving if you pay for the year; it’ll cost you $125 instead of $144. You will get up to $1 million insurance for digital crime and an additional $25,000 for financial loss and to top it off you’ll be entitled to $25,000  more to cover personal expenses.

However, you won’t have access to your credit reports or credit scores.  But the plan offers to monitor your Equifax credit records and will let you know if your personal information such as your address, bank accounts, or SSN has been accessed without your knowledge.

2. LifeLock Advantage Plan

You will have to shell out $23.99 a month. You can bring your bill down to $20 per month by signing up for their annual plan. You will get all the features of the Standard plan.

Moreover, financial loss the coverage, and personal expenses payments are raised to $100,000 each. You also get an additional Equifax credit report and Equifax VantageScore 3.0 credit score per year. They will also keep a close eye on your credit card usage for suspicious transactions.

3. LifeLock Ultimate Plus Plan

You will have to pay $34.99 a month. The annual plan offers significant savings though; it will cost $28.33 a month. The Ultimate Plus plan offers a very healthy personal expense coverage of $1 million.

Plus, it offers better credit screening. It provides you reports from all 3 credit agencies, plus you’ll have monthly access to Vantage 3.0 scores from the credit reports of Experian and TransUnion. Also, you will be notified of any sex offenders in your locality.       

4. Lifelock Family Plan

You can add children under the age of 18 to your plan for an additional $5.99 per month. However, adding your spouse will cost you quite a bit because you’ll have to cough up cash for a separate individual plan.


Pros & Cons

Here’s a quick look at the pros and cons of ID Watchdog vs LifeLock:

PROS

  • Up to $1 million in compensation for financial loss from ID theft
  • A dedicated department for ID restoration process 
  • Two-tier information surveillance for better security
  • An uncomplicated plan and pricing structure 
  • The plan cancellation process is quite simple
  • 24-7 access to customer support in several languages.
  • Facility to lock your credit reports from Equifax

CONS

  • No family plan on offer currently.
  • No social media monitoring
  • The login process can be somewhat annoying and confusing

PROS

  • You can avail a complete refund within 60-days of signing up
  • Up to $1 million for financial loss and $1 million for personal expenses
  • 24-7 phone assistance
  • Dedicated identity restoration department

CONS

  • Expensive family plan
  • You'll have to pay a dollar extra per month for any plan you subscribe after 1 year.

Summa​​​​ry

Lifelock’s family plan is quite expensive when you factor $6 a child and an extra account for your partner. However, they provide great security in addition to regular access to credit reports. So if budget is not a major barrier then LifeLock makes more sense.

Starting at $14.95 a month, ID Watchdog is not cheap by any means. And the fact there is no social media protection and family plan makes you wonder if it is worth paying your hard-earned cash.

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