What are recovery costs?
AI-written phishing scam
Recovery costs can include eligible expenses for restoring identity, records, accounts, or legal status after a covered event.
Generative ai produces convincing personalized email or text designed to steal credentials or money. The safest first move is usually to pause and verify the person or organization through a separate trusted channel.
The practical answer
The exact list depends on the policy. For this scenario, a useful verification step is to inspect the sender, avoid unexpected links, and sign in through a known official website.
Do not treat a realistic voice, face, message, caller ID, or video as proof by itself. AI can make impersonation more believable, while ordinary spoofing and account takeovers can create the same effect.
What current official warnings show
The Federal Trade Commission has warned that scammers can use AI voice cloning in fake family emergencies. The FBI has also published 2026 warnings describing AI-generated videos, voices, and other technology being used to strengthen impersonation schemes. These warnings show why verification matters even when a message looks or sounds convincing.
The National Association of Insurance Commissioners explains that identity-theft insurance and consumer cyber protections can help with some recovery costs, but products vary and do not automatically reimburse every direct financial loss.
Where insurance may fit
Existing identity-theft and personal cyber products are the closest established categories, but the exact covered event matters. A voluntary transfer after deception can be treated differently from an unauthorized withdrawal. Recovery services, legal costs, lost wages, stolen funds, cyber extortion, and account restoration may all be handled differently depending on the policy.
No Lunar consumer insurance policy is currently available through this guide. Any future Lunar product would require an authorized insurance partner, approved terms where required, and clear limits and exclusions.
What LunarQuote is trying to build
LunarQuote is exploring Lunar AI Protection: simple consumer protection designed around clearly defined AI-related events such as certain voice-clone, deepfake, impersonation, identity, and scam losses. The current goal is an entry-level plan that could start around $4 per month if the insurance economics and regulatory structure support it.
That price is a development target, not an insurance quote or guarantee. Coverage, limits, deductible, eligibility, state availability, pricing, and launch timing may change.
Sources and further reading
- FTC: scammers use AI to enhance family emergency schemes ↗
- FTC: fake emergency scams and voice cloning ↗
- FBI IC3: scammers impersonating law enforcement and government officials ↗
- FBI IC3: AI-generated videos used in impersonation scams ↗
- NAIC: identity theft consumer information ↗
- NAIC: consumer cybersecurity and identity theft insurance ↗
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Join the free waitlist. No payment is collected and joining does not create insurance coverage or guarantee a future price.