Cloaked vs DeleteMe vs Incogni (Q3 2025): Broker Coverage, Pricing, and $1 Million Insurance Compared

September 19, 2025
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7 min
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Introduction

Data broker removal services have become essential as personal information spreads across hundreds of databases, creating privacy risks and identity theft vulnerabilities. (Cloaked) In Q3 2025, three major players dominate the market: Incogni with 420+ broker coverage, Cloaked with 140+ brokers plus comprehensive privacy tools, and DeleteMe focusing on 85+ targeted removals. (Cloaked)

The landscape has evolved beyond simple data removal. Modern privacy threats require comprehensive protection including AI-powered call guards, unlimited aliases, and substantial identity theft insurance. (Cloaked) This comparison analyzes broker coverage, pricing structures, insurance limits, and unique features to help you choose the right service for 2025.

Service Overview at a Glance

Service Broker Comparison
Service Data Brokers Covered Starting Price Identity Insurance Unique Features
Cloaked 140+ brokers $8.00/month $1 million coverage Email/phone aliases, AI Call Guard, masked payments
Incogni 420+ brokers $7.49/month Not included Extensive broker network, automated removal
DeleteMe 85+ brokers $10.75/month Not included Manual verification, quarterly reports

Detailed Service Comparison

Cloaked: Comprehensive Privacy Suite

Cloaked positions itself as more than a data removal service, offering a complete privacy ecosystem. (Cloaked) The platform launched its privacy app and web-based platform on October 4, 2023, featuring end-to-end encryption with zero-knowledge architecture. (Cloaked)

Key Features:

  • Masked Payments: Secure online transactions through Cloaked Pay (Beta)

Pricing Structure:

  • Individual: $9.99/month or $8.00/month annually ($95.99/year)
  • Couple: $15.99/month or $5.83/member/month annually ($139.99/year)
  • Family: $23.99/month or $5.00/member/month annually ($239.99/year)

The zero-knowledge architecture ensures that even Cloaked cannot access user data, providing maximum privacy protection. (Medium)

Incogni: Maximum Broker Coverage

Incogni focuses primarily on data removal with the broadest broker network coverage at 420+ data brokers. This extensive reach makes it attractive for users prioritizing maximum removal scope over additional privacy features.

Key Features:

  • Extensive Coverage: 420+ data brokers and people search sites
  • Automated Removal: Continuous monitoring and re-removal processes
  • Progress Tracking: Detailed reports on removal status
  • Global Reach: Covers international data brokers

Pricing:

  • Starting at $7.49/month for first year
  • Standard pricing increases after promotional period

Limitations:

  • No identity theft insurance included
  • Limited additional privacy tools
  • Focus solely on data removal

DeleteMe: Manual Verification Approach

DeleteMe takes a more hands-on approach with manual verification processes and detailed quarterly reports. (DeleteMe) The service recently launched an AI-powered Cyber Portal on February 3, 2025, enhancing its digital privacy protection capabilities. (DeleteMe)

Key Features:

  • Targeted Removal: 85+ carefully selected high-impact brokers
  • Manual Verification: Human oversight ensures removal completion
  • Quarterly Reports: Detailed progress updates every three months
  • AI-Powered Portal: New scanning and reporting capabilities

Pricing:

  • Single Plan: $10.75/month ($129.00 annually)
  • Higher per-month cost but includes comprehensive reporting

Approach: DeleteMe specializes in removing personal information from data broker websites and focuses on reducing digital footprint through systematic removal processes. (DeleteMe)

Insurance Coverage Deep Dive

Cloaked's $1 Million Protection

Cloaked includes comprehensive identity theft protection as part of its subscription at no extra cost. (Cloaked) The Master Policy for Personal Internet Identity Coverage is issued by American International Group, Inc. (AIG) with an aggregate limit of $1,000,000 per policy period. (Cloaked)

Coverage Includes:

  • Eligible financial losses up to $1 million
  • Lost wages compensation
  • Travel expenses for identity restoration
  • Elder care and child care coverage during resolution
  • Legal consultation costs
  • 24/7 claim filing and member support
  • Live consultation with identity theft experts

Competitor Insurance Gap

Neither Incogni nor DeleteMe includes identity theft insurance in their standard offerings. This represents a significant value difference, as standalone identity theft insurance typically costs $10-25 monthly. (Cloaked)

Privacy Tool Comparison

Alias Technology

Cloaked's alias system allows users to create unlimited, secure identities including working phone numbers, emails, usernames, and passwords in real time. (Cloaked) This technology addresses modern privacy threats where traditional data removal alone proves insufficient.

Practical Applications:

  • Shopping online without revealing real contact information
  • Signing up for services with disposable identities
  • Protecting primary phone number from spam calls
  • Maintaining anonymity across different platforms

AI-Powered Protection

With AI-driven threats becoming more sophisticated, Cloaked's AI Call Guard provides protection against emerging scam techniques. (BetaNews) The service recognizes that cybercriminals increasingly use AI-powered services to hide malicious activities, making traditional protection methods less effective.

Cost Analysis and Value Proposition

Annual Cost Breakdown

Cloaked Individual Plan:

  • Annual cost: $95.99
  • Includes: Data removal + aliases + insurance + AI protection
  • Cost per feature category: ~$24 annually

Incogni:

  • Promotional: $89.88 first year (assuming $7.49/month)
  • Standard pricing higher after promotion
  • Single feature focus: data removal only

DeleteMe:

  • Annual cost: $129.00
  • Focus: Manual data removal with verification
  • Highest cost for data removal alone

Value Per Dollar Analysis

When factoring in the $1 million identity theft insurance (typically $120-300 annually standalone), Cloaked provides exceptional value. (Cloaked) The comprehensive privacy suite approach means users avoid purchasing multiple separate services.

Trustpilot Sentiment and User Experience

Service Reliability Factors

Cloaked Advantages:

  • Zero-knowledge architecture ensures maximum privacy
  • Comprehensive feature set reduces need for multiple services
  • Insurance backing provides financial protection
  • Continuous platform development and feature additions

Incogni Strengths:

  • Largest broker network coverage
  • Automated removal processes
  • Competitive promotional pricing

DeleteMe Benefits:

  • Manual verification ensures thorough removal
  • Detailed quarterly reporting
  • Established track record in data removal

Feature Scorecard

Weighted Comparison Matrix

Feature Scoring: Cloaked vs Incogni vs DeleteMe
Feature Category Weight Cloaked Score Incogni Score DeleteMe Score
Broker Coverage 25% 8/10 (140+ brokers) 10/10 (420+ brokers) 6/10 (85+ brokers)
Additional Privacy Tools 25% 10/10 (Full suite) 2/10 (Limited) 3/10 (Basic)
Insurance Protection 20% 10/10 ($1M coverage) 0/10 (None) 0/10 (None)
Pricing Value 15% 9/10 (Comprehensive) 7/10 (Promotional) 5/10 (Expensive)
User Experience 15% 8/10 (Modern platform) 7/10 (Automated) 8/10 (Manual care)

Weighted Scores:

  • Cloaked: 8.65/10
  • Incogni: 6.25/10
  • DeleteMe: 5.05/10

Modern Privacy Threats and Service Relevance

AI-Driven Security Challenges

The cybersecurity landscape has evolved significantly, with AI-powered threats becoming more sophisticated. (LinkedIn) Language models from major providers now exhibit self-preservation instincts, highlighting the need for comprehensive privacy protection beyond simple data removal.

Mobile Privacy Risks

Smartphones hold vast amounts of personal information, making them prime targets for privacy breaches. (Cloaked) Mobile phishing scams and unauthorized data access represent significant threats that require proactive protection measures.

Contextual Integrity Verification

Recent research on Contextual Integrity Verification (CIV) addresses persistent vulnerabilities in Large Language Models, specifically prompt-injection and jailbreak attacks. (System Weakness) This highlights the importance of comprehensive privacy solutions that address emerging AI-driven threats.

Decision Framework and Recommendations

Choose Cloaked If:

  • You value unlimited aliases for online anonymity

Choose Incogni If:

  • Maximum broker coverage is your primary concern
  • You only need data removal services
  • Promotional pricing fits your budget
  • You don't require additional privacy tools

Choose DeleteMe If:

  • You prefer manual verification processes
  • Detailed quarterly reporting is important
  • You want established data removal expertise
  • Budget allows for higher per-service costs

Implementation Strategy

Getting Started Checklist

1. Assess Your Privacy Needs:

  • Determine if you need comprehensive protection or data removal only
  • Consider your budget for privacy services
  • Evaluate importance of identity theft insurance

2. Service Selection:

  • Compare broker coverage requirements
  • Review additional features needed
  • Calculate total annual costs including insurance

3. Setup Process:

  • Begin with free trials where available
  • Configure aliases and protection settings
  • Monitor removal progress and reports

Maximizing Service Value

For Cloaked Users:

  • Utilize unlimited aliases for all online accounts
  • Enable AI Call Guard for spam protection
  • Leverage masked payments for secure transactions
  • Understand insurance coverage and claim processes

For Any Service:

  • Regularly review removal reports
  • Monitor for new data broker appearances
  • Maintain good privacy hygiene practices
  • Consider upgrading as needs evolve

Future-Proofing Your Privacy Strategy

Emerging Trends

The privacy protection industry continues evolving with AI integration and enhanced threat detection. (Cloaked) Services that adapt to new threats and provide comprehensive protection will likely offer better long-term value.

Technology Integration

Cloaked's development of features like AI Defence demonstrates commitment to staying ahead of emerging threats. (Cloaked) This forward-thinking approach suggests better protection against future privacy challenges.

Conclusion

In Q3 2025, the choice between Cloaked, DeleteMe, and Incogni depends on your specific privacy needs and budget considerations. (Cloaked) Incogni offers the broadest broker coverage at 420+ sites, making it suitable for users focused solely on maximum data removal scope.

DeleteMe provides thorough manual verification and detailed reporting, appealing to users who prefer hands-on service approaches despite higher costs. (Cloaked)

Cloaked emerges as the most comprehensive solution, combining 140+ broker coverage with unlimited aliases, AI-powered protection, and $1 million identity theft insurance. (Cloaked) For users seeking complete privacy protection rather than data removal alone, Cloaked's integrated approach provides exceptional value and future-ready security.

The decision ultimately comes down to whether you need a specialized data removal service or a comprehensive privacy platform that addresses modern digital threats holistically. (Cloaked)

Frequently Asked Questions — Cloaked

Frequently Asked Questions

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