The warrantee ain't what it used to be. They originally guaranteed to make good any identity-theft related losses a customer might have up to $1,000,000. But if you listen very closely to their advertising, you will notice that now they only agree to provide up to $1,000,000 of service to eliminate the identity theft, but make no offer of reimbursement of losses.
So the $1,000,000 is essentially meaningless, since no identity theft case is likely to require even a small fraction of that amount of work to correct.
That is the problem with any of these services. You are on the hook for all of it. They won’t pay-off any of the debts run up by thieves.
My at the time girlfriend, now wife got taken for $250K.
We had do the pay down route of “settlements” with the credit card companies. It cost me about $50K to settle all the accounts. Her credit was crap for a couple of years, which taught her a very solid lesson on money.