Technology
Are insurance apps watching you?
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Most people download an insurance app for a simple reason. They want a discount. Maybe it is a safe driving program. Maybe it is a wellness incentive. Either way, the pitch sounds simple. Share a little data and save a little money. But what exactly are you sharing?
Jan emailed us with a question that many people have probably wondered about:
“To get lower insurance, they have the app, and I use Travels, but I know other ones have it. When I opened it up, I noticed that it looks like they can access your health information and all kinds of things, and I don’t know if there’s a way to prevent them from following everything that’s on there. I am sure you have an opinion on this, and if it’s worth the 10% off from the get-go, and the following year.”
Jan, you’re not alone. Many insurance companies now offer programs that promise lower premiums if you install their app and agree to share certain types of data. That can include how you drive, where you travel and, in some cases, limited health or fitness information if the app connects to systems like Apple Health. The key point is that these programs are usually optional, and the data sharing is part of the trade.
TOP 20 APPS TRACKING YOU EVERY DAY
Insurance apps may offer lower premiums, but many also collect location, driving behavior and, in some cases, limited health data. (Neil Godwin/Future via Getty Images)
The good news is that you can often limit what these apps can see. The bigger question is whether the discount is worth the access.
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How insurance apps track your driving and health data
CyberGuy has previously covered telematics programs where insurers track driving behavior through smartphone apps or connected car data. Those programs monitor things like speed, braking patterns and the time of day you drive. In another report, we explained how your car may be sharing driving data with insurance companies.
We’ve also reported on how apps collect and sell personal data, including sensitive health information many users assume stays private. What has not always been discussed together is the broader pattern. Insurance companies are increasingly using smartphone apps to gather behavior data about both how you drive and how you live. Your phone becomes the measurement tool. For you, that raises a simple question. How much personal data are you willing to trade for a discount?
What data insurance apps can track about you
The details vary depending on the program. However, many insurance apps collect several types of information.
For driving programs, apps may monitor:
- Location
- Speed
- Braking and acceleration
- Time of day you drive
- Motion patterns detected by your phone
The goal is to calculate a driving score. Safer drivers may receive a discount when the policy renews. Some insurance apps also ask for access to other phone data, such as Motion & Fitness or camera permissions.
On the health side, programs may connect to health and fitness platforms. If you grant permission, the app may read data such as:
- Steps or activity levels
- Workout information
- Limited health metrics stored in Apple Health
It is important to understand that apps typically cannot see this data unless you grant access during setup. Still, many people click through permission screens quickly and later wonder what they agreed to share.
Why insurance app tracking raises privacy concerns
Location data alone can reveal a surprising amount about a person’s life. It can show where you live, where you work and where you travel every day. Driving patterns can also reveal how often you are on the road at night or during busy traffic periods.
Health and fitness data can paint an even more personal picture. That does not mean insurers are secretly spying on everything in your phone. But the more permissions you grant, the more insight the app may gain into your routines and habits.
That is why we encourage you to review app permissions carefully.
Are insurance tracking apps optional?
In most cases, yes. Insurance companies typically frame these programs as voluntary discount opportunities. If you enroll, you agree to share certain data that helps calculate a risk score.
If the data shows safe driving or healthy activity levels, you may receive a discount at renewal. However, if you decide you are uncomfortable with the tracking, you can usually opt out. Just keep in mind that the associated discount may disappear.
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Drivers looking for discounts through insurance apps are being urged to review app permissions and understand what personal data they are sharing. (Kurt “CyberGuy” Knutsson)
How to limit what an insurance app can access
The good news for Jan and anyone else wondering about this is that you can adjust permissions on your phone. These controls exist on both iPhone and Android devices. A smart approach is to review every permission the app requests and only allow what is truly necessary.
Limit location tracking
On iPhone:
- Go to Settings
- Tap Privacy & Security
- Click Location Services
Find the insurance app and adjust its access. You can often set location access to:
On Android:
Settings may vary depending on your Android phone’s manufacturer
- Go to Settings
- Tap Location
- Click App permissions
or
- Go to Settings
- Tap Security and Privacy
- Tap More privacy settings at the very bottom
- Click Permission Manager
- Tap Location
Find the insurance app and choose a more limited option, such as:
- Allow only while using the app
- Don’t allow
These settings help prevent constant background location tracking.
Check health data access
If an insurance app connects to Apple Health or Google Health Connect, you can manage that separately.
On iPhone:
- Go to Settings
- Scroll down to the bottom and tap Apps
- Tap Health
- Click Data Access & Devices
Select the insurance app to see what information it can read. You can turn off specific categories of health data.
On Android:
Settings may vary depending on your Android phone’s manufacturer
- Go to Settings
- Click Privacy or Security and privacy
- You might have to click More privacy settings at the bottom of the screen
- Tap Health Connect
- Tap App permissions
There, you can see which apps have permission to read or write health and fitness data, such as activity or workout information. You can turn those permissions off if you prefer.
Review other permissions insurance apps request
While you are already in your phone’s Settings reviewing permissions, it is also worth checking access to:
- Camera
- Motion & Fitness
- Contacts
Only allow the permissions the app truly needs to function. This follows a simple security principle called least privilege. Give an app the minimum access it needs to work. Not every permission it asks for. For example, a driving app may need motion data to measure braking. But it may not need continuous location tracking or access to health records. By limiting permissions, you reduce how much information the app collects.
Is the discount worth it?
This brings us back to Jan’s question. Is a 10% discount worth the trade? For some people, the answer is yes. If you are comfortable sharing driving data and the program is transparent about how it works, the savings can add up. For others, the trade may feel too intrusive. The most important thing is understanding what the app can access and deciding whether the benefit outweighs the data you share. A discount can be helpful. But privacy has value too.
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Telematics and wellness apps promise insurance discounts, but the tradeoff may include access to detailed data about how you drive and live. (Kurt “CyberGuy” Knutsson)
Pro tip: Reduce how much of your data is available online
Insurance apps are only one way companies can collect information about you. Data brokers also gather location patterns, behavioral details, and personal information from apps and online activity. Using a data removal service can help reduce how much of that information is available online.
While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.
Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting CyberGuy.com.
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Kurt’s key takeaways
Insurance apps reflect a bigger shift in how companies assess risk. Instead of relying only on traditional factors like age or claims history, insurers can now measure behavior through the device in your pocket. That can reward safe drivers and active lifestyles. It can also create new privacy questions that many of you never expected to face when you downloaded an app. Jan’s instinct to question what the app could access was exactly right. Before accepting a discount, take a few minutes to review permissions and decide what level of tracking you are comfortable with. Your phone holds a lot of personal information. It is worth making sure you stay in control of it.
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Here is the question for you: Would you trade detailed data about your driving or health for a lower insurance bill? Let us know by writing to us at CyberGuy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Apple’s entry-level MacBook Pro could be up for a redesign
Apple is working on a “revamped” version of its entry-level MacBook Pro that it could launch as soon as the first half of 2027, Bloomberg reports. The company is also testing four new iPad Pros that are set to launch in the spring with a focus on “internal improvements.”
The updated MacBook Pro, which will keep the 14-inch screen size, will have a design that’s “in line” with what Apple is planning for the touch screen MacBooks it also has in the works, Bloomberg says. Those new touch screen laptops are set to be released between “the end of this year and early next year,” and Bloomberg has previously reported that they will get a Dynamic Island-like pill at the top of the screen.
Apple last updated the base MacBook Pro in October with an M5 chip bump. The company is working on an M6 processor, and Bloomberg says that Apple “finished work months ago” a different base MacBook Pro upgrade that keeps the laptop’s present design and is scheduled to launch this year. Apple will quickly move to the M7 line in 2027, including new Pro and Max chips, Bloomberg previously reported.
As for the iPad Pros, Bloomberg says that they’ll retain 11-inch and 13-inch screens. Apple last updated the iPad Pro line last October with the M5 chip.
Technology
A missing kitten rode under a car hood. AI brought her home
AI technology helps reunite lost pets with owners using Ring doorbell cameras
Meghan Joyce, CEO of Duckbill, explains how AI technology from companies like Ring is revolutionizing the search for lost pets. Owners can upload photos to a database that uses AI to match them with images from animal shelters and Ring doorbell camera footage. This advanced facial recognition tech aims to quickly reunite one in three pets that go missing in their lifetime, utilizing technology for community good.
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Ame thought Lucy might be hiding upstairs. The family’s kitten had missed dinner, which felt odd. Still, cats hide. They nap in strange places. Sometimes, they ignore everyone.
But when breakfast came the next morning, Lucy still did not show up. “When we fed dinner one night, and she didn’t come running, I thought maybe she was upstairs in the kids’ bedroom, but when we fed breakfast the next morning, she didn’t come running again, so then I knew for sure she wasn’t in the house,” Ame said.
That is when a normal morning in Dayton, Ohio, turned into a frantic search. Lucy was less than a year old. Ame’s two young children were devastated. And wherever Lucy had gone, her family knew she had already spent the night away from home.
“If she had been out all night, we were really worried,” Ame said. Ame’s daughter, Evi, felt that fear immediately. “I was really sad and cried a lot. It was really heartbreaking,” Evi said.
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PRO WRESTLING STAR KILLER KROSS SHARES SWEET, LIFE-ALTERING MOMENT WHEN A CAT CAME INTO HIS LIFE
A missing Ohio kitten survived a ride under the hood of a stranger’s car before AI photo-matching technology helped reunite her with her family in just over 24 hours. (Photo by Shirlaine Forrest/WireImage)
Ame uploaded Lucy’s photo and got a match
After the first wave of searching, Ame turned to Petco Love Lost. “I found out about Petco Love Lost through a friend of mine who also had a cat go missing. She said Petco Love Lost is a website where you can match from finders who have uploaded pictures of pets that they’ve found,” Ame said.
Ame created a lost pet profile and uploaded Lucy’s picture. The free nationwide database uses AI photo-matching technology to compare lost pet photos with found pet reports. Petco Love says the system looks at more than 500 visual markers to identify pets by features that stay with them wherever they go.
Then came the lead Ame needed. “It was actually very easy and quick. It was only about 10 or 12 hours before I got a lead on where Lucy might be,” Ame said.
A finder had listed a cat who looked like Lucy as found. Soon after, Ame received a photo match alert.
The price surprised her, too. “I was really surprised that Petco Love Lost is not subscription-based like most things are. It’s completely free, so it’s accessible to everyone,” she said. For a family already scared and stressed, that free access made a big difference.
Lucy was found under a car hood
Then Ame learned where Lucy had gone. “She was stuck under the hood of somebody’s car. This person had driven to a shopping center across the highway, got out of their car and heard meowing and realized that the meowing was coming from under the hood of their car,” Ame said.
The driver got Lucy out safely. Thankfully, the kitten had not been hurt. The finder kept Lucy safe and uploaded her photo to Petco Love Lost as a found pet. That report connected with Ame’s lost pet profile.
From there, Ame could finally arrange the reunion her family had been hoping for. “I connected with the finder on Petco Love Lost and was able to message back and forth. We organized a time to meet up and we were just ecstatic, and overjoyed, and in shock that we actually found her and also that we found her so quickly and in such a short space of time. Having Lucy home is a relief,” Ame said. Ame’s family brought Lucy home a little more than 24 hours after she disappeared.
The reunion brought happy tears
For Ame’s children, Lucy’s return changed the whole mood in the house. Ame’s daughter, Evi, went from heartbreak to happy tears. “When she was found, my mom put her on my lap. I was having a little bit of some happy tears,” Evi said.
Then came the sentence every pet parent wants to hear after a scare like this. “When Lucy was found, I was so happy to have her back,” Evi said.
That is the kind of reunion that sticks with you. A tiny kitten vanished, rode under a car hood, crossed a highway and still made it home because a finder uploaded one photo.
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An Ohio family found their missing kitten after Petco Love Lost matched a photo uploaded by a good Samaritan who discovered Lucy under a car hood. (Photo credit should read Inna Borodayeva/ Ukrinform/Future Publishing via Getty Images)
Why Petco Love Lost worked when the microchip did not
Lucy’s story also shows why lost pet searches need more than one safety step. The finder tried to get Lucy scanned for a microchip. But that did not solve the problem.
“The finder took her to scan the microchip, they couldn’t even find it, they couldn’t locate it. Petco Love Lost was literally the only link between us and Lucy to get her back,” Ame said.
That is important because many pet parents assume a microchip will always lead straight home. A microchip can help, but someone still needs access to a scanner. The chip also has to be found and connected to current contact details.
Petco Love Lost adds another option. Instead of relying only on tags or a scan, it uses a pet’s photo and physical features. Chelsea Staley, president of Petco Love, explains it this way: “Collars break, tags can fall off, and microchip scanners aren’t always immediately accessible. Petco Love Lost offers an additional layer of protection by using AI to recognize distinctive physical features that stay with pets wherever they go. You know your pet is one of a kind, and so does Petco Love Lost.” In Lucy’s case, that extra layer helped bring her back.
Why Lucy’s story matters during National Lost Pet Prevention Month
Lucy’s story hits at a time when many pet parents need the reminder. July is National Lost Pet Prevention Month. The month also brings holiday fireworks, which can scare pets and send them running. Petco Love says more pets go missing during the summer than during any other time of year, and fireworks help drive that spike. That makes Lucy’s story a good reminder to prepare before your pet bolts.
Petco Love encourages pet parents to register their pets on Petco Love Lost at petcolove.org/lost/register-pet/ while they are safe at home. Then, if something goes wrong, they can activate a search with a single click. Set it up before the fireworks start. Check it before guests come over. Take care of it before someone says, “I thought the cat was upstairs.”
What this means to you
A lost pet search can turn emotional really fast. You may be scared, tired and unsure where to start. Lucy’s story shows why preparation can help. Ame already had a clear photo of Lucy. She created a lost pet profile. Then a finder uploaded a found pet report, and the system connected them.
That does not mean you should skip collars, ID tags or microchips. Keep those in place. However, Petco Love Lost can give you another way to search when those tools do not work fast enough. The biggest lesson is timing. Registering your pet while everything is calm can save precious time later.
Watch the CyberGuy Live replay: Lock Down Your Phone in 30 Minutes
Your phone holds your email, passwords, photos, banking apps and personal data. In this free CyberGuy Live replay, Kurt the CyberGuy walks you step by step through simple phone security fixes you can do at your own pace. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Watch the replay and get our checklist here: CyberGuyLive.com
RIDGLAN FARMS RESCUE BEAGLES FIND NEW LIFE HELPING VETERANS OVERCOME WAR TRAUMA WITH PAWS OF WAR
A free AI-powered lost pet database helped an Ohio family reunite with their kitten after traditional microchip identification failed. (Photo by:Marco Simonini/REDA/Universal Images Group via Getty Images)
Kurt’s key takeaways
Lucy’s story could have ended badly. She slipped out, hid under a car hood and rode across a highway without the driver knowing she was there. Instead, one uploaded photo helped bring her home. Petco Love Lost matched Lucy’s image with Ame’s lost pet profile, and the family had her back in a little more than 24 hours. That to me is the reason this story is worth sharing. Technology can feel cold, but in this case, it helped a family get their kitten back.
Have you ever had a pet go missing, and what helped bring them home? Let us know by writing to us at Cyberguy.com
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Comcast’s split could make or break Peacock
NBCUniversal executives are about to find out whether Peacock will sink or swim in the streaming industry. Now that Comcast is planning to split NBCUniversal, Peacock, and Sky from its broadband and wireless businesses, Peacock will be forced to stand on its own — without the backing of a combined company that pulled in more than $123 billion last year.
In the years following its launch in 2020, Peacock was treated as an accessory to an Xfinity subscription. But once Xfinity stopped offering it as a perk and axed its free membership tier in 2023, it was a sign that Comcast believed Peacock had something worth paying for. But even with exclusive streams of the Olympics and live sports, like Sunday Night Football and the Big Ten games, Peacock still trails behind rival streamers today.
Peacock grew by just five million subscribers between March 2025 and March 2026, bringing it up to 46 million. Netflix’s more than 325 million subscribers easily eclipse Peacock’s user base. Even Disney Plus’s 132 million subscribers and HBO Max’s more than 140 million viewers make Peacock seem small in comparison. Part of that is because, unlike other major streamers, Peacock is only available in the US. Comcast co-CEO Mike Cavanagh said in March that the company doesn’t have plans for a global rollout of Peacock, but that may change as the soon-to-be standalone service scrambles for scale.
It’s also taking longer for Peacock to hop the hurdle of profitability — one of the biggest challenges for streamers. Peacock reported $2 billion in revenue in the first quarter of 2026. However, it experienced $432 million in losses, an increase from the $215 million it reported losing at the same time last year. But NBCUniversal media chairman Matt Strauss claims Peacock will become profitable in the current quarter, according to Deadline. “There’s not one way to approach a streaming strategy or market,” Strauss said during the Evercore Global TMT Conference last month. “Sometimes you have to play to your strengths, which is what we’ve been doing.”
It’s not clear how long Peacock can rely on live sports and reality TV to keep its service afloat. The service canceled its hit series Poker Face last year, leaving it without a tentpole series that makes Peacock worth subscribing to, like Severance on Apple TV or White Lotus on HBO Max. Though Comcast co-CEO Brian Roberts and Cavanagh told investors that the company’s split isn’t a setup for a merger or acquisition, it still seems like a possibility.
Peter Supino, a Wolfe Research analyst, said that he expects “one or both Comcast units to merge with peers or competitors,” according to The Hollywood Reporter. Media executives who spoke to Oliver Darcy for his Status newsletter are similarly doubtful about Roberts’ and Cavanagh’s M&A denials, with some insiders speculating that Netflix could make a bid for NBCUniversal’s assets. Either way, Peacock will need to do something more than just tread water, or else a competitor may just have to keep it from sinking.
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