Identity theft protection is a great way to forewarn and forearm yourself against data breaches, phishing attempts, and all sorts of other nefarious schemes that people come up with to take your information and use it for their own gain.
But if you have a family…it’s worth considering that you’re no longer the only person you need to watch out for. Your spouse might have their own assets that need protecting, and even if they don’t have anything of note, ensuring they have good credit and aren’t being taken advantage of is important.
It’s even more important for children. It might be surprising to hear, but kids are actually more at risk from identity theft than adults are. You might think “But they don’t have anything to steal!”…and you’d be correct.
This is what makes them such perfect targets for identity thieves. A child’s credit score is a blank slate, meaning they can do pretty much anything with it. And since people don’t expect children to need identity monitoring…they don’t look into it.
This means identity theft events not only happen to children…they fester. These untended wounds on the child’s credit lay unseen until the child hits adulthood, and starts getting their credit checked for the first time. Their first car, first apartment, student loan applications…they all turn up with disturbing black marks on their credit, and often the applications then get rejected.
Getting these problems solved years after the fact is an exercise in frustration, and sometimes completely futile; only even more time can fix it. Their life could be ruined, or put on hold at least, before it even has a chance to really kick off.
This is why family plan options are important when it comes to identity theft protection services, and why an otherwise good service might not be the right choice for someone who needs coverage for their whole family.
Which brings us to today’s topic: are Aura’s family plans worth investing in?
Aura Performance Overview:
Before we dive into the family plans, let’s do a quick recap of Aura’s main features. If you want a more in-depth review of the service, I’ve also done one of those.
First off: Aura’s monitoring and alerts features are top notch. With the Ultra plan (Aura’s top level plan), you’re getting the best breadth of monitoring on the market, with:
- Dark web and data breach monitoring
- Payday loan monitoring
- Social security number monitoring
- Bank account monitoring
- Sex offender and criminal registry monitoring
- USPS address change monitoring
- Social media insights
- 401(k) and investment monitoring
- Home title monitoring
These monitoring tools are also fast and more importantly accurate giving you a crystal clear picture of what you should be concerned about, and target areas to focus on and try to fix.
On top of that, Aura has an excellent $1 million insurance plan, covering up to the limit for lost funds and expenses accrued over the course of resolving an identity theft event. That’s for all plans, and the lost funds reimbursement is increased to $5 million with their Executive insurance plan (available to Ultra plan members).
Helping with that, they offer 24/7/365 customer support with friendly, knowledgeable, and experienced customer service representatives who can walk you through everything you need to do to get your life back on track.
Finally, rounding things out are a number of small additional services like a WiFi security system and antivirus service that can help improve your online health.
So What About the Family Plans?
For the most part, Aura’s family plans offer the same benefits. There are no specific features that are unique to a family plan, though one specific one is modified: insurance.
For most family plans that identity theft protection services offer, insurance is a one and done deal. The insurance covers the entire account rather than individuals.
This is the first of a couple of things Aura does very differently. Each individual is covered by their own insurance plan, right down to the boost to $5 million in lost funds reimbursement that the Executive insurance gives you.
Each adult I should say, and this is the other place that Aura wildly differs from other identity theft protection services and how they handle family plan deals.
The general rule is that buying a family plan gives you coverage for two adults, and a variable number of children. Some plans cover no children, but most commonly you’ll find coverage for 5 children or 10 children alongside the two adults. Some offer child protection separately, but that’s fairly rare.
Aura’s family plans instead cover up to 10 individuals. Adults and children in any combination.
Two adults and 8 children? 5 adults and 5 children? 10 adults? It’s all valid under this plan.
The only real restriction is that to add a child account the account owner needs to be their parent or legal guardian, and the child has to live at the same address. Everything else is fair game.
The added adult members essentially have their own fully featured accounts. While the primary account owner is the one in charge of payment, other adult members get their own account page (kept private from the primary account owner for privacy) and the full suite of features available to the plan.
Children have a more limited version of the plan, as usual, and only the account holder can view their info. A child identity protection account doesn’t need to be as fully featured, since anything unexpected popping up should be a cause for concern.
How Much Does it Cost?
You might expect this to cost some exorbitant amount, but you’d be wrong. Let’s compare the individual plan costs alongside the family plan costs, shall we? Keep in mind all prices listed below are assumed to use our affiliate code rather than the higher price available on the website.
So in the grand scheme of things you’re paying an extra $6 a month for the month to month family plan over the individual one.
This is a good enough price to make me raise my eyebrows if it was just the usual two adults and up to 10 children plan; getting a fully featured second account for $6 (a quarter the base price) is already amazing.
Getting 10 fully featured adult accounts for $6? That’s kind of insane if you think about it. That’s less than a dollar per account after the first.
This is an aggressive pricing deal, and it’s almost foolish not to snap it up when you have the chance.
Read more: Does Aura Have A Free Trial?
Which Plan is Best?
The Ultra plan, for sure. Much like Aura’s predecessor, Identity Guard, the Value and Total plans are actually pretty lackluster. They’re feature-light and disappointing compared to similarly priced options on the market that offer better monitoring or other useful features.
The Ultra plan is where it always shone, and this new incarnation didn’t change that trend. Maybe 60%, even 70% of the functionality for the service is locked to the Ultra plan. It has the best monitoring, the better insurance (though the insurance is already great for the lower tier plans), and overall more raw performance than the lower tier plans.
Plus for family plans specifically, it’s by far the best bang for your buck, as we already established. You can cover your entire extended family with the best identity theft protection on the market for a mere fraction of what it would take for everyone to get it individually.
So, Are Aura’s Family Plans Worth It?
I hope I’ve made it clear by now: yes. A million times yes.
Aura has some of the best performance on the market, and it’s worth getting on that merit alone, but the ridiculously low prices on their family plan make it almost impossible to compete with on sheer value.
I’m actually not sure how sustainable that price is for them. So who knows? It may go up in the future.
But for now, it’s the cheapest way to cover your whole family, and for once that means people beyond your household.
If you’re looking for a combination of high performance and low price for family protection, none of the other identity theft protection services I’ve reviewed come anywhere close to Aura in either regard; it really is in a league of its own.
It helps that even if you end up not needing the protection, their individual plans are generously priced right now too, so you can always downgrade and still get good protection for a reasonable cost.
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