Does the Crypto.com Icy White / Frosted Rose Gold card include travel insurance?

No. It is the upper-tier colour of the prepaid, reloadable Crypto.com Visa Card issued by Digital Commerce Bank, and it carries no travel insurance — no emergency medical, trip cancellation/interruption, flight or baggage delay, lost-baggage or travel-accident coverage. There is no certificate of insurance for this card.

Is there any card insurance at all on this card?

No. The card has no travel, rental car or purchase-protection insurance of any kind. Its only consumer safeguard is Visa's standard zero-liability fraud protection, which is a payment-network feature, not a card-insurance benefit.

This tier has lounge access and 'travel experiences' — isn't that travel coverage?

No. The Icy White / Frosted Rose Gold tier (unlocked by staking CRO) does add perks such as airport-lounge access and subscription rebates, but those are perks, not insurance. None of them pays a medical, cancellation, delay or baggage claim. Crypto.com cut most travel-adjacent benefits back in 2022.

If my trip is cancelled or I get sick abroad, will this card cover me?

No. You would have no coverage from the card. For medical emergencies abroad, cancellation or interruption you would need a standalone travel insurance policy purchased before you travel.

Does it cover a rental car?

No. There is no collision/loss damage waiver (CDW), liability, roadside or personal-effects coverage. If you rent a car you must buy the rental company's protection or hold a separate policy.

Are my purchases protected (purchase security, extended warranty, mobile device)?

No. The card offers no purchase protection, extended warranty, mobile-device, price or return protection.

Are funds on the card protected if Crypto.com or the issuer fails?

Funds loaded to the card are not CDIC insured. The card is issued by Digital Commerce Bank; review the Cardholder Agreement for the current terms on funds, fees and limits.

Where can I see the official terms?

The Digital Commerce Bank Prepaid Cardholder Agreement for the tier sets out the fees, limits and terms. There is no insurance certificate because the card has no insurance program.

What does the insurance on my Crypto.com Icy White / Frosted Rose Gold card actually cover?

Crypto.com·CA$0/year·Visa

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated July 1, 20268 min read

0,1/5Independent review · verified July 2026

Travel Insurance

0,0

Car Rental

0,0

Protection

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Our Verdict · Travel Insurance

Our take on travel insurance for the Crypto.com Icy White / Frosted Rose Gold

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

The Crypto.com Visa Card in the Icy White / Frosted Rose Gold tier carries no travel insurance. It is a prepaid, reloadable Visa issued by Digital Commerce Bank with no certificate of insurance — no emergency medical, no trip cancellation or interruption, no flight or baggage delay, no lost-baggage and no travel-accident coverage. This upper tier (unlocked by staking CRO) adds lounge 'travel experiences', but lounge access is a perk, not insurance.

Where travel breaks down

No emergency medical coverage abroad
No trip cancellation or interruption coverage
No flight/baggage delay or lost-baggage coverage
No travel-accident or hotel-theft coverage
No certificate of insurance exists for this card

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 11 guarantees

What does Crypto.com Icy White / Frosted Rose Gold Travel Insurance actually cover?

Trip cancellation is not covered. The Crypto.com Visa Card is a prepaid Visa with no card insurance program and no certificate of insurance, at any tier.

Emergency medical and hospital expenses abroad are not covered. This prepaid card carries no travel medical insurance — you would need a standalone travel medical policy.

Emergency medical evacuation and repatriation are not covered by this card.

Trip interruption is not covered; the card includes no travel insurance benefits.

Flight or other travel-delay expenses are not covered by this prepaid card.

Missed connection is not covered; no travel insurance applies to this card.

Early return / return-home coverage is not provided.

Baggage-delay coverage is not provided by this card.

Lost or stolen baggage is not covered; the card has no baggage insurance.

There is no common-carrier travel-accident (AD&D) benefit and no personal liability coverage on this card.

Hotel burglary / in-room theft is not covered.

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the Crypto.com Icy White / Frosted Rose Gold wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Compare

Icy White / Frosted Rose GoldThis card0.1/5?

$0/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Crypto.com Icy White / Frosted Rose Gold stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Icy White / Frosted Rose Gold shoppers also consider.

Card	This card Icy White / Frosted Rose Gold Crypto.com · $0/yr 0.1/5?	Rewards World Elite Mastercard BMO · $150/yr 4.3/5?	World Elite Mastercard ATB Financial · $120/yr 4.1/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	$2,500 / person ($5,000 / account) $0 deductible	$1,000 / person (max $5,000 / trip)
Emergency medical Hospital bills abroad	Not covered Cover this gap →	$2,000,000 (under 65, first 21 days) First 21 days only	$2,000,000 / person · ≤22 days · under 65
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	Actual cost (pre-authorization required) Pre-authorization required	Included (within medical)
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	$500 / account / trip (6h+ delay) Trigger: 6 hours	$500 / trip ($250/day, up to 2 days)
Trip interruption Covered amount	Not covered Cover this gap →	$2,000 / person Up to $2,000 / person	$1,000 / person (max $5,000 / trip)

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Crypto.com customer service

1-844-707-7788

Standard call rates · For card, app and account questions (not insurance).

Digital Commerce Bank (card issuer)

1-844-836-6040

Standard call rates · Issuer of the prepaid card; for issuer-related questions.

Benefit administrator: None — no card insurance is underwritten on this card.

Claims & pre-authorizations

No. It is the upper-tier colour of the prepaid, reloadable Crypto.com Visa Card issued by Digital Commerce Bank, and it carries no travel insurance — no emergency medical, trip cancellation/interruption, flight or baggage delay, lost-baggage or travel-accident coverage. There is no certificate of insurance for this card.
No. The card has no travel, rental car or purchase-protection insurance of any kind. Its only consumer safeguard is Visa's standard zero-liability fraud protection, which is a payment-network feature, not a card-insurance benefit.
No. The Icy White / Frosted Rose Gold tier (unlocked by staking CRO) does add perks such as airport-lounge access and subscription rebates, but those are perks, not insurance. None of them pays a medical, cancellation, delay or baggage claim. Crypto.com cut most travel-adjacent benefits back in 2022.
No. You would have no coverage from the card. For medical emergencies abroad, cancellation or interruption you would need a standalone travel insurance policy purchased before you travel.
No. There is no collision/loss damage waiver (CDW), liability, roadside or personal-effects coverage. If you rent a car you must buy the rental company's protection or hold a separate policy.
No. The card offers no purchase protection, extended warranty, mobile-device, price or return protection.
Funds loaded to the card are not CDIC insured. The card is issued by Digital Commerce Bank; review the Cardholder Agreement for the current terms on funds, fees and limits.
The Digital Commerce Bank Prepaid Cardholder Agreement for the tier sets out the fees, limits and terms. There is no insurance certificate because the card has no insurance program.