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NordProtect:
Online fraud coverage
made easy

  • Get reimbursed up to $10K for losses from online scams.
  • Protect yourself from scams like romance and crypto fraud.
  • Submit a claim in just a few steps and get the help you need.
Available to U.S. customers only.
Online fraud coverage by NordProtect
A list of sources NordProtect’s dark web monitoring checks.

What is online fraud?

Online fraud is a type of cybercrime where scammers trick people into losing money through tactics like fake tech support, phishing, romance cons, or fraudulent online stores. With online fraud and scams becoming more common, it's important to stay aware and take proactive steps to protect yourself.
NordProtect's online fraud coverage up to $10,000

What is online fraud coverage?

Online fraud coverage is a type of insurance that reimburses you for money lost to scams. Depending on the provider, it can protect you against a range of incidents, from job recruitment scams to cryptocurrency fraud.

With NordProtect’s online fraud coverage, you can receive up to $10,000 in reimbursement for losses caused by various online scams, including fake money transfers and email spoofing. This coverage adds an extra layer of protection as you navigate the web and helps you recover more quickly if you fall victim to a scam.

NordProtect’s dark web monitor shows compromised data.

How does our online fraud coverage work?

The online fraud coverage is part of NordProtect, a comprehensive identity theft protection service. This solution is provided by HSB, one of the largest cyber insurance writers in the U.S.

NordProtect customers are covered against online fraud automatically from the moment they get a NordProtect subscription. If they become a victim of an eligible scam or fraud event during their subscription term, they can access the online fraud coverage service by making a claim and receive help and guidance directly from HSB.

Online fraud coverage benefits

Online fraud coverage offers essential support if you fall victim to an online scam or fraud.

Recover your money

Getting scammed online can really hurt your wallet. With NordProtect's online fraud coverage, you can get reimbursed for money lost in scams like phishing, fake stores, or fraudulent transfers — helping you recover more quickly.

Get expert help

Dealing with online fraud can be overwhelming. NordProtect supports you with clear guidance and connects you to experts when you need it most. You won't have to guess what to do next — we'll be right there to provide the help you need.

All-around protection

NordProtect goes beyond online fraud reimbursement. Our comprehensive solution includes dark web and credit monitoring, security alerts, identity theft recovery, and more. NordProtect gives you all-around security in one place — online fraud protection is just the cherry on top.

How to get online fraud coverage

Getting online fraud coverage with NordProtect is simple – you just need to buy a subscription. Here's how to get started:

Protect yourself from online fraud with NordProtect

FAQ

What types of scams are covered by NordProtect's online fraud coverage?

NordProtect's online fraud coverage helps you recover money lost in the following incidents:

  • Tech support scams. Scammers pretend to be tech support, tricking you into paying for fake services.
  • Cryptocurrency scams. Fake crypto investments lead to scammers taking your money.
  • Romance scams. Scammers build fake relationships online to get money from victims.
  • Grandparent scams. Scammers impersonate a grandchild, asking elderly victims for an urgent payment.
  • Email spoofing. Fake emails trick you into sharing personal information.
  • Job recruitment scams. Fake job recruiters ask for money upfront for applications or checks.
  • Phishing, smishing, and vishing. You receive fraudulent calls, texts, or emails designed to steal your info.
  • Credit card fraud. Stolen credit card info is used for unauthorized purchases.
  • Marketplace fraud. You fall for a fake listing but don't get the item you paid for.
  • Online shopping scams. You buy from untrustworthy sites and never get your order.
  • Fake money transfers. Scammers send "fake" money (e.g., a payment that never clears) and ask for a return transfer.
  • Criminal deception. Scammers pretend to be authorities (like the FBI), claiming you have "unpaid fines."
  • Fake app scams. Malicious apps are disguised as real ones to steal data or infect your device.
  • Overpayment scams. A scammer "overpays" with a fake check and asks for a refund before the check bounces.
  • Online rental scams. Scammers post fake listings and collect deposits for properties they don't own.
  • Deepfake scams. AI-generated videos or audio impersonate people to steal money or info.
  • QR code scams. Fraudulent QR codes direct victims to phishing sites or install malware to steal sensitive information.
  • Counterfeit currency or forged checks. Fake money or checks are used to pay for items.
  • Unauthorized financial account access. Unauthorized charges are made on your credit card.

All claims are fact-specific and evaluated individually. The scenarios listed above are examples only. Coverage terms, conditions, and exclusions may apply.

What types of fraud are not covered by NordProtect?

NordProtect's online fraud coverage has several exclusions — here are some examples:

  • Fraud between family members. For example, if a relative tricks you into sending money.
  • Business-related fraud. Scams aimed at businesses, like fake invoices or fake supplier deals.
  • Online auctions, lotteries, and gambling. Scams from auction sites, lottery fraud, or gambling scams.
  • Investment scams. Ponzi schemes or fake investments promise big returns.

Find out more information about NordProtect's online fraud coverage and what it covers in the summary of benefits.

What should you do if you become a victim of online fraud?

If you've become a victim of online fraud and have a NordProtect subscription, file a claim on the NordProtect web app by heading to the "ID protection benefits" tab and clicking "File a claim." If your claim is eligible, you will receive guidance directly from HSB, the company providing the online fraud coverage.

Can you buy coverage against online fraud?

Yes, you can. With online fraud becoming more common, buying online fraud coverage is a wise decision. Many insurance providers offer cyber insurance, which often includes online fraud coverage.

Alternatively, you can choose a service like NordProtect, which provides online fraud coverage as part of a comprehensive identity theft protection plan. With our solution, you can safeguard your personal information while protecting yourself from various types of scams. Additionally, you get identity theft insurance and cyber extortion protection to help you bounce back if the unexpected happens.

What are NordProtect's online fraud coverage limits and deductibles?

NordProtect's online fraud coverage comes with a limit of $10,000 and a $100 deductible per claim.

Who provides NordProtect's online fraud coverage?

NordProtect's online fraud coverage is provided by HSB, one of the largest cyber insurance writers in the U.S. With over 20 years of experience in the cyber business (and 150 years of insurance industry leadership), HSB sets the standard in specialty insurance and reinsurance coverages worldwide. HSB is part of Munich Re Insurance and is rated A++ (Superior) by A.M. Best Company.

Does online fraud coverage mean you don't need to take any other security measures?

No, it doesn't. Online fraud coverage gives you extra peace of mind, but it's not a replacement for good cybersecurity habits. You still need to stay aware of risks and protect your devices and personal info by installing security updates, using strong passwords, and enabling two-factor authentication whenever possible.

The credit scores provided are based on the VantageScore 3.0® credit score by TransUnion® model. Lenders use a variety of credit scores and may utilize a different scoring model from VantageScore 3.0® credit score to assess your creditworthiness.

You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.

No single product can fully prevent identity theft or monitor every single transaction.

Some features may require authentication and a valid Social Security Number to activate. To access credit reports, scores, and/or credit monitoring services (“Credit Monitoring Services”), you must successfully pass your identity authentication with TransUnion®, and your VantageScore 3.0® credit score file must contain sufficient credit history information. If either of these requirements is not met, you will not be able to access our Credit Monitoring Services. It may take a few days for credit monitoring to start after a successful enrollment.

NordProtect’s dark web monitoring service scans various sources where users’ compromised personal information is suspected of being published or leaked, with new sources added frequently. However, there is no guarantee that NordProtect will locate and monitor every possible site or directory where consumers' compromised personal information is leaked or published. Accordingly, we may not be able to notify you of all your personal information that may have been compromised.

Identity protection benefits are currently available to all customers residing in the United States, including U.S. territories and the District of Columbia, with the exception of residents of New York and Washington. NordProtect is not a licensed insurance producer. Benefits under the Group Policy are issued and covered by HSB Specialty Insurance Company. You can find further details and exclusions in the Summary of Benefits.

Our identity theft restoration service is part of a comprehensive identity theft recovery package that offers a reimbursement of up to $1 million for identity recovery expenses. To access the support of an identity restoration case manager, you must file a claim with HSB, which NordProtect has partnered with to provide the coverage. HSB is a global specialty insurance company and one of the largest cyber insurance writers in the U.S.