Cyber Insurance for individuals and families, up to $50,000 a year
When you're tricked into wiring funds or approving a payment yourself, your bank treats it as authorized and won't refund it. Homeowners insurance won't help either. This cyber insurance add-on helps cover losses like these, with an Aura specialist handling the claim.
Add to a new 14-day free trial, an existing plan, or set it up by calling 833-412-8725.
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When cybercrime hits home
Aura’s Cyber Insurance covers the losses cybercrime causes: funds wired from a checking account in a phishing scam, ransom paid to unlock encrypted files, the cost of helping a family member through online harassment.
A scammer impersonating your bank gets you to wire money
A spoofed call from "your bank's fraud department" walks you through a wire transfer to verify your account. You wire $4,200. The funds are gone before the bank can reverse them.
Coverage that may apply:
Stolen funds, up to the $50,000 annual limit.
Ransomware encrypts your home computer
You open an attachment. By morning every file on your home server is encrypted. The attacker demands $3,000 in Bitcoin to unlock them.
Coverage that may apply:
The ransom and cybersecurity specialist's fee, up to the $50,000 annual limit.
A hacker drains your crypto wallet
A phishing scam tricks you into approving a fraudulent transaction on your U.S.-based exchange. $7,500 of ETH leaves your account, and the exchange refuses to reimburse the loss.
Coverage that may apply:
Stolen cryptocurrency, valued at the time of the loss, up to the $50,000 annual limit.
A family member is being harassed online
Months of harassment on social media leaves a family member needing weekly therapy. A year of sessions comes to about $6,000.
Coverage that may apply:
Therapist fees, documented tutoring, temporary relocation, and cybersecurity specialist costs when a claim calls for them, up to the $50,000 annual limit.
Malware destroys 12 years of family photos
A virus corrupts your home server. You hire a data recovery specialist and have to repurchase software whose license keys were destroyed.
Coverage that may apply:
The recovery specialist, licensed software replacement, and reasonable expenses to restore your files, up to the $5,000 annual limit.
Coverage limits at a glance
| Coverage | Annual limit |
|---|---|
| Cybercrime | up to $50,000 |
| Cyber Extortion (incl. ransom) | up to $50,000 |
| Cryptocurrency Crime | up to $50,000 |
| Cyber Bullying | up to $50,000 |
| Data Recovery | up to $5,000 |
| Aggregate Annual Limit | $50,000 |
| Lifetime Policy Limit | $205,000 |
Most personal cyber policies exclude ransom. Aura's covers it.
When ransomware encrypts your files or an extortionist threatens to leak your data, the loss that matters most is the payment to the attacker. Aura's Cyber Insurance policy covers ransom payments as a direct loss category, subject to prior approval and FBI notification.
Family member coverage, included
An Aura Family plan covers your spouse or registered domestic partner, minors in your household, students under 24 enrolled in school full-time, and other relatives by blood, marriage, or adoption who reside with you — all under the same $50,000 annual limit. Cybercrime against any of them is your claim.
Cyber Insurance for members vs. Identity Theft Insurance
Identity Theft Insurance is included in every Aura plan ($1M Individual, $2M Couple, $5M Family). Cyber Insurance for members is a Scam Protection add-on, available on any plan or free trial.
| Cyber Insurance | Identity Theft Insurance | |
|---|---|---|
What it covers | Direct financial losses from a cybercrime event: money stolen, ransom paid, crypto losses, harassment expenses, data restored | Costs to recover your identity after it's been stolen: lost wages, legal fees, certified mail, notary, lost time |
Annual limit per insured | $50,000 | $1,000,000 |
Direct-loss coverage | Yes. Covered loss categories include wired funds, ransom payments, and stolen crypto | No. Covers recovery costs, with limited coverage for some unrecoverable funds |
Included with Aura | Add on to any plan | Available on every plan |
Available on the free trial? | Yes | Yes |
What to do in the first 72 hours after a cyber attack
Cut the attacker's access
Disconnect the affected device from the internet. Change passwords on a separate, clean device. Freeze any compromised bank or card accounts.
Gather the evidence
Screenshot the phishing email, the ransom note, the unauthorized transactions. Save the message headers and note timestamps.
Notify law enforcement
File a report with the FBI's IC3 (ic3.gov) and your local police. For ransomware, this notification must happen before any ransom is paid.
Contact Aura
Contact your Aura case manager or call 1-866-237-5240. Notice must be in writing within 60 days. A U.S.-based specialist gathers the evidence and walks the claim through Tokio Marine's review.
Choose your Aura plan — free for 14 days
All plans include a 14-day free trial. Add Cyber Insurance during the free trial or at any point afterward by calling 833-412-8725.
Add Aura’s Scam Protection features to your plan
Scam Protection features can be added to any Aura free trial by calling 833-412-8725.
- Connect unlimited emails
- Block spam and marketing emails
- Screen emails for scams and phishing using AI
- Works on Gmail, iCloud, Outlook, AOL, and Yahoo
- Screen unknown callers using AI
- Block spam, scams, and robocalls
- Works across iOS and Android devices
Included on the Family plan
Cyber Insurance
- Coverage against losses from cybercrime, extortion, cryptocurrency crimes, and data loss
- $50,000 annual limit ($205,000 over the life of the policy)
Trusted by experts. Committed to excellence.
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Frequently asked questions
What is cyber insurance
Cyber insurance is a category of coverage that may reimburse individuals for financial losses from online crime such as wire fraud, ransomware, cryptocurrency theft, cyberbullying, and data recovery. It sits alongside identity theft insurance, which covers a different set of expenses tied to identity restoration.
Aura's cyber coverage is provided through a master insurance policy underwritten by Tokio Marine and issued to Aura Sub, LLC. Eligible Aura subscribers are named as beneficiaries under that master policy — you don't hold an individual contract of insurance with Tokio Marine.
When a covered incident happens, Aura's claims team helps you file, and Tokio Marine reviews each submission against the policy terms. Approved claims are reimbursed up to the policy's per-incident and aggregate limits, currently up to $50,000 per year and $205,000 in lifetime benefits per beneficiary.
This page summarizes the categories of loss the master policy is designed to address. It’s not a contract of insurance, and individual coverage is subject to the terms, conditions, and exclusions of the master policy.
What does Aura’s Cyber Insurance cover?
Aura's policy covers five categories:
- Cybercrime (money stolen through fraud or account takeover)
- Cyber Extortion (ransom and extortion-related expenses)
- Cryptocurrency Crime (stolen self-custody crypto)
- Cyber Bullying (therapy, tutoring, relocation, and security costs after sustained harassment)
- Data Recovery (specialist fees and software replacement after a malware event or data breach)
The policy is first-party coverage. Approved claims are reimbursed directly to the beneficiary for the covered loss, separate from any liability claim a third party might bring.
How much does Cyber Insurance cost?
Cyber Insurance is a Scam Protection add-on to your Aura plan. Aura plans start at $12/month for Individual; the add-on is billed on top of the base plan price. To confirm the current add-on price, call 833-412-8725 after starting a free trial.
For comparison, the major personal cyber products in the U.S. are sold as homeowners endorsements without software protection: Mercury Home Cyber Protection starts at $2.50/month for $25K–$50K of coverage in only nine states; Chubb Masterpiece Cyber Protection is agent-quoted and rides on a Masterpiece Homeowners policy. Published industry averages run $360–$900/year for $25K–$50K of coverage.
The Aura add-on sits on top of a $12/month plan that already includes antivirus, VPN, password manager, and identity theft protection nationwide.
Do I need Cyber Insurance?
Federal Regulation E reimburses bank customers for unauthorized card fraud. Authorized transfers like wire fraud or payment app scams fall outside that protection and become your loss. Crypto exchanges rarely refund stolen self-custody funds. Homeowners cyber endorsements, where they exist, cap around $25,000. Cyber insurance covers these specific categories. With Aura, eligible claims can be reimbursed up to $50,000 a year, under the policy terms.
Does my homeowners insurance cover cyber attacks?
Standard homeowners insurance does not cover cyber attacks. Switching homeowners carriers means losing the endorsement. Aura's Cyber Insurance carries a $50,000 annual limit nationwide, rides on your Aura subscription, and travels with you across home moves and carrier switches.
What's the difference between cyber insurance and identity theft insurance?
Identity Theft Insurance covers costs incurred to recover your identity (lost wages, legal fees, etc.), up to $1M per adult. Cyber Insurance for members covers direct financial losses from cybercrime events, up to $50K a year under the policy terms.
Does Aura's Cyber Insurance pay ransoms?
Yes. Ransom payments are covered, with eligible claims reimbursed up to $50,000 a year under the policy terms. Three steps before you pay: report it to Aura in writing, get written approval, and notify the FBI or local police.
What's not covered?
Aura’s policy covers personal cyber losses. Physical injury or physical damage to a device (data restoration is covered separately under Data Recovery), losses tied to a business or trading activity, war and government action, ransom payments to anyone on the U.S. Treasury's sanctions list, losses on a cryptocurrency exchange or from cold storage, and any loss caused intentionally are not covered. Read the Cyber Insurance Summary of Benefits for complete terms.
Are family members covered?
Yes, on the Family plan. It extends coverage to your spouse or registered domestic partner, minors in your household, students under 24 in school full-time, and any other relative living with you (by blood, marriage, or adoption). The $50,000 annual limit is a household total, shared across any claims filed in that policy year. Individual and Couple plans cover only the named members on the plan.
Who underwrites Aura's Cyber Insurance?
The policy is a Tokio Marine Insurance Master Policy issued to Aura Sub, LLC.
How do I file a claim?
Open the Aura app or call 1-866-237-5240. You have 60 days from when you discovered the incident to put the claim in writing. Bring what you have: what happened, how much you lost, any screenshots, emails, or law enforcement reports. Your case manager handles the back-and-forth from there. Tokio Marine reviews everything and pays any approved losses.
