TL;DR: Zander Insurance sells cheap identity theft protection: Essential from $6.75 a month or $75 a year for one person, Elite from $11.99. It monitors the dark web, data brokers and criminal forums and includes recovery help and up to $1 million insurance per adult. It does not include credit monitoring, so pair it with a free credit freeze and free credit reports.
What Zander is
Zander Insurance is a US insurance agency that also sells identity theft protection. Its plans are among the cheapest on the market, which is why they're popular with budget-focused buyers.
Plans and prices
From Security.org's June 2026 review:
- Essential, individual: $6.75 a month or $75 a year.
- Essential, family: $12.90 a month or $145 a year.
- Elite, individual: $11.99 a month or $130 a year.
- Elite, family: $21.99 a month or $240 a year.
Family plans cover two adults and up to 10 children. Monthly plans have no long contract.
What's included
- Monitoring of the dark web, data broker sites and criminal forums, with email and app alerts.
- Recovery: Zander provides identity recovery help itself, with no monetary or time limits stated.
- Insurance: up to $1 million on individual plans for stolen funds and expenses (legal fees, lost wages); up to $2 million on family plans, $1 million per adult.
- Elite adds Experian CreditLock, account takeover and new account fraud monitoring, a VPN and antivirus.
What's missing
- No credit monitoring. Security.org says Zander doesn't track activity at Experian, Equifax or TransUnion.
- No bank or card transaction monitoring; it only watches the web for those numbers.
That gap is easy to close for free: freeze your credit at all three bureaus and pull your free weekly reports from AnnualCreditReport.com. Our guide to credit locks vs freezes explains how Elite's CreditLock differs from a freeze.
Is Zander worth it?
If you want low-cost insurance and recovery help and are happy to handle credit yourself, Zander is good value. If you want credit alerts built in, compare IDShield or the options in identity theft protection: is it worth it?. Remember what monitoring can't do: see dark web monitoring's limits.
A free email exposure check shows which breaches your email is already in.
Frequently Asked Questions
How much is Zander identity theft protection?
Essential costs $6.75 a month or $75 a year for one person; Elite is $11.99 a month or $130 a year, per Security.org (June 2026).
Does Zander include credit monitoring?
No. Security.org says Zander does not monitor the three credit bureaus. Elite plans add Experian CreditLock.
How much insurance does Zander include?
Up to $1 million on individual plans and up to $2 million on family plans, with $1 million per adult.
Who does Zander family coverage include?
Two adults and up to 10 children.
Is Zander worth it?
It is good value for insurance and recovery help. Add a free credit freeze and free credit reports to cover the credit side.