Allstate Identity Protection vs Optum Financial
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Allstate Identity Protection
This app offers comprehensive protection for your personal information and that of your family. It provides alerts, dark web monitoring, and educational resources to detect and prevent identity theft. In the event of an incident, U.S.-based specialists offer 24/7 support for restoration.
- Personal information protection
- Family member management
- Dark web monitoring
- Identity Health status
- Educational materials
- 24/7 restoration support
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You’re in good hands® Stay protected wherever you are with the Allstate Identity Protection app – the all-in-one, easy-to-use app that helps protect your and your family's personal information right from your mobile device. Signing in is simple and secure. In a matter of seconds, you can review your alerts, see your Identity Health status, access dark web monitoring and any additional features included in your plan, easily manage family members covered by your plan, and more – putting advanced identity protection right at your fingertips. Explore our comprehensive collection of educational materials and tools, as well as alternative data sources that can help you detect identity theft before it occurs. Plus, our broad definition of family includes those 65 and older, even if they are not financially dependent on you or live with you — so you can have peace of mind that your loved ones are protected, too. And should you ever experience identity theft, you can rely on our U.S.-based restoration specialists to provide expert restoration support, 24/7/365. With an industry leading 98% satisfaction score following identity theft we believe restoration is more than just restoring accounts, it’s about making a person whole again. From start to finish, your identity theft case will be managed by an empathetic and dedicated expert that has the experience and knowledge to help resolve any and all types of cases. Not a member? Sign up at aip.com or check if your employer offers Allstate Identity Protection as a benefit at http://aip.com/employee Allstate Identity Protection is offered and serviced by InfoArmor, Inc., a subsidiary of The Allstate Corporation.
Optum Financial
Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.
- Manage benefit accounts
- View balances and transaction history
- Pay providers or reimburse yourself
- View and manage claims
- Capture and upload documentation
- Live customer care via mobile chat
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Managing and paying for eligible health care expenses on the go has never been easier with the Optum Financial mobile app. Designed with unique features like receipt capture and e-sign dependent care certification, you can easily manage account details, access transaction history and view balances - giving you maximum control over you accounts and healthcare finances. Mobile features include: • Access to view and manage all Optum Financial benefit accounts • View account balances and transaction history • Pay providers or reimburse yourself for qualified out-of-pocket expenses • View and manage claims • Receive smart in-app alerts for claims requiring attention • Capture and upload claims documentation through photo capture technology • Quick access to previously submitted documentation • Connect with a live customer care representative via mobile chat 24/7 • Manage account preferences and add account users • Access eligible expenses listing Access Instructions You will need to have an Optum Financial or ConnectYourCare health account to use this app. If you are an Optum Financial or ConnectYourCare customer and need to update your account credentials, please visit www.optumfinancial.com. ABOUT OPTUM FINANCIAL: Optum Financial is advancing the way account holders save and pay for care, connecting the worlds of health and finance in ways that no one else can. Optum Financial is the #1 ranked health accounts administrator with over $17.7B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Financial helps reduce costs while helping people make better health decisions– creating a better health care experience for our customers.
Screenshots
Verdict
The clearest difference is ratings volume: Optum Financial at 29K against Allstate Identity Protection's 421. Optum Financial also leads on update cadence (every 5 weeks vs every 4 months) and review sentiment (53% vs 37%). Allstate Identity Protection's advantage is device support (3 vs 1). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for Allstate Identity Protection against 4.7 for Optum Financial. That said, the two scores are not equally well evidenced: Optum Financial has 29K ratings behind it against 421, so its average is the more settled of the two. Written reviews are what separate them: 37% of Allstate Identity Protection's written reviews are positive against 53% of Optum Financial's.
Allstate Identity Protection ships an update every 4 months, Optum Financial every 5 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.
| Parameter | Allstate Identity Protection | Optum Financial |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (421 ratings) — better | 4.7 (29K ratings) |
| Positive reviews | 37.3% of reviews | 53.4% of reviews — better |
| Number of ratings | 421 | 29K — better |
| Update frequency | Every 4 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.6 |
| Further details — not scored | ||
| Size | 3 MB | 24 MB |
| Age rating | 4+ | 4+ |
| Developer | Allstate Insurance Company | Optum Inc. |
Customer experience
Allstate Identity Protection
Optum Financial
User reviews
Allstate Identity Protection
From 421 App Store ratingsWhat we love
- 👍 Easy to use
- 🔒 Great protection against fraud
- 🛡️ Peace of mind for identity safety
- 🔔 Timely and reliable alerts
- ✅ Accurate credit monitoring
Room to improve
- 🐛 App is a web browser wrapper
- 🐛 Doesn't remember login details
- 🐛 Requires frequent re-authentication (MFA)
- 🐛 Poor integration with email alerts
- 🐛 Missing key quality of life features
Optum Financial
From 29K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient mobile experience
- 💳 Ability to pay providers directly
- 📂 Straightforward claim submission
- 💰 Helpful for managing medical expenses
Room to improve
- 🐛 Buggy document upload and submission
- 🤔 Lack of explanations for claim rejections
- 🕰️ Slow processing and response times
- 🔍 Unintuitive navigation and UI
- 🤖 Poor customer service and support
Bugs and requests
Allstate Identity Protection
Reported bugs
33 issues- App cannot trust a device, requiring code every time
- Codes disappear in messages too quickly
- Back gestures don't work on iPhone
- Only way to go back is to click the logo and restart
- App cannot stay logged in on phone
Show 28 moreShow fewer
- Consistent MFA glitch
- MFA when it should ask for master password
- Email alerts don't link directly to the app
- App doesn't remember username and password
- Forgot My Password text code not recognized
- App spins in circles after login
- Blank white screen after login and MFA
- App won't open
- Errors logging in
- Face ID stopped working
- Cannot add Gmail account
- Cannot login to app after latest update
- Returns 'Sorry, we are unable to access your account' screen
- App is just an embedded iframe viewer
- Forms for opting out of marketing don't work
- App asks to use TouchID on iPhone 12 (no FaceID support)
- Alerts show 'something went wrong' when trying to view details
- App doesn't remember login credentials and OTP
- App never loads
- App doesn't load unless on VPN
- App logs in, sends code, and spins
- App just spins and spins after login
- App never transitions out of the loading state
- Blank white screen when launching app
- Cannot remove what it finds
- Cannot cancel subscription
- Cannot add Gmail account (loading screen forever)
- Cannot add more than 1 email
Requested features
19 requests- Add a back button for iPhone users
- Implement Face ID authentication
- Allow setup for both phone lines for robocall feature
- Add import option for passwords from Keychain and Chrome
- Integrate authentication codes into the app
Show 14 moreShow fewer
- Allow users to stay logged in on their phone
- Add ability to use Face ID/biometrics to login
- Improve password manager functionality
- Add more dark web monitoring categories
- Allow lower threshold for low balance alerts
- Add links to website in email alerts for quick action
- Improve functionality to remove personal information from people finder websites
- Add a feature to indicate dark web monitoring is active
- Allow adding more email addresses to be monitored
- Improve functionality for adding family members
- Provide more options for action after a data breach
- Enable Touch ID/Face ID support
- Add more advanced features to compete with Norton 360
- Allow monitoring of younger children's credit
Optum Financial
Reported bugs
5 issues- Blank screens and app crashes
- Inconsistent behavior with photo uploads
- Login and account access issues
- Incorrect or missing account balance information
- Inability to add new documentation to existing claims
Requested features
5 requests- Ability to save provider information
- Option to submit multiple claims at once
- Automatic reimbursement based on insurance EOBs
- Clearer communication on claim status and issues
- Improved search and filtering for transactions
In-app purchases
Allstate Identity Protection
No in-app purchases
Optum Financial
No in-app purchases
Questions
Is Allstate Identity Protection free?
Is Optum Financial free?
Which has better reviews, Allstate Identity Protection or Optum Financial?
Do Allstate Identity Protection or Optum Financial have ads?
Which is updated more often, Allstate Identity Protection or Optum Financial?
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