# Allstate Identity Protection vs Optum Financial

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.

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.

## The numbers

| Metric | Allstate Identity Protection | Optum Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (421 ratings)](https://appshunter.io/ios/app/allstate-identity-protection/id1253163871/reviews)** | [4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews) |
| Number of ratings | 421 | **29K** |
| Positive reviews | 37.3% of reviews | **53.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 3 MB | 24 MB |
| Requires iOS | **15.6** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Allstate Insurance Company](https://appshunter.io/developer/318394321) | [Optum Inc.](https://appshunter.io/developer/1133706680) |

## What reviewers say

### Allstate Identity Protection

[App page](https://appshunter.io/ios/app/allstate-identity-protection/id1253163871)

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.

**Highlights:** Personal information protection, Family member management, Dark web monitoring, Identity Health status, Educational materials, 24/7 restoration support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🔒 Great protection against fraud
- 🛡️ Peace of mind for identity safety
- 🔔 Timely and reliable alerts
- ✅ Accurate credit monitoring

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


### Optum Financial

[App page](https://appshunter.io/ios/app/optum-financial/id1303691237)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile experience
- 💳 Ability to pay providers directly
- 📂 Straightforward claim submission
- 💰 Helpful for managing medical expenses

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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


## Frequently asked questions

### Is Allstate Identity Protection free?

Allstate Identity Protection is free to download, with no in-app purchases.

### Is Optum Financial free?

Optum Financial is free to download, with no in-app purchases.

### Which has better reviews, Allstate Identity Protection or Optum Financial?

Allstate Identity Protection is rated higher. Allstate Identity Protection averages 4.8 out of 5 from 421 ratings, while Optum Financial averages 4.7 from 29K ratings.

### Do Allstate Identity Protection or Optum Financial have ads?

Neither Allstate Identity Protection nor Optum Financial shows ads.

### Which is updated more often, Allstate Identity Protection or Optum Financial?

Allstate Identity Protection ships an update every 4 months, and Optum Financial every 5 weeks. Most recently, Allstate Identity Protection was updated on November 6, 2026 and Optum Financial on November 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*