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What's Costco Identity Guard?
Costco Identity Guard is Costco joining forces with the credit and identity theft solution provider Identity Guard to offer its members online protection at a better price than directly from Identity Guard.
Costco Executive members are charged $9.99 per month for the Total Protection service, while Gold Star & Business members pay $13.49 per month.
If you're not a Costco member, you can still subscribe to Identity Guard's Total Protection, but it costs $19.99 per month.
Furthermore, Identity Guard offers several plans – not just Total Protection – so you could subscribe to their cheapest plan, Essentials, for $9.99 per month whether you're a Costco member or not. However, while the Essentials plan covers key features, Total Protection is a lot more comprehensive.
Is Costco Identity Guard worth it?
While Costco Identity Guard saves you half the retail price of Total Protection, we take a look at the benefits of the service and check out customer reviews to see if it's worth the subscription.
Total Protection offers you multiple protection layers against identity theft, credit monitoring including access to your credit report with scores from Equifax, Experian and TransUnion, computer protection and ID theft insurance. If that's not enough, then check out the entire Total Protection plan:
Note that while kID Sure, which is extra protection for your children, is included on this list, it does cost a further $4.99 to $5.99 per month for this service, depending on your Costco membership level. Everything else is included in the $9.99 Costco Identity Guard price.
Costco Identity Guard v LifeLock
Costco Identity Guard have compared the benefits of their Total Protection service with that of a LifeLock Advantage subscription:
We mentioned LifeLock in the past here when we found a great way to earn extra KrisFlyer miles by subscribing to it and then later here after experiencing LifeLock, which we found to be obtrusive and needing some time and patience when cancelling the service.
So is Costco Identity Guard worth the offer price?
The site is easy to navigate and up-to-date with extras like an iOS app and an Android app.The computer software provided can be useful tools to help you stay protected, so they're a nice bonus that saves you a physical purchase. You may already have free access to credit monitoring with your credit card or a limited free service, but you can never have too much access to your own information.
The biggest draw of all is that Costco members save 50% on the monthly price, and for what you get, we think it's worth it. Identity Guard is a good choice to make for your ID protection, and the Costco member price is even better.
Just bear in mind that customer complaints that we found tend to be about Identity Guard's customer service, especially when it's the subject of cancelling your subscription. Be thorough, take screenshots of messages to them and record calls if needed. Just in case.