Does the Crypto.com Ruby Steel card include travel insurance?

No. Ruby Steel is a prepaid, reloadable Crypto.com Visa 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 Ruby Steel?

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.

What do I actually get with Ruby Steel?

Ruby Steel is the 'Plus' tier: it gives 2% crypto cash back paid in CRO (capped around $25 USD per month) and a 100% Spotify rebate, both conditional on staking roughly $500 USD worth of CRO for 12 months. These are loyalty rewards, not insurance, and this tier does not include airport-lounge access.

If my trip is cancelled or I get sick abroad, will Ruby Steel 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 Ruby Steel 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 Ruby Steel attached to this page sets out the fees, limits and terms (it is bilingual English/French). There is no insurance certificate because the card has no insurance program.

What does the insurance on my Crypto.com Ruby Steel 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 Ruby Steel

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

The Crypto.com Ruby Steel card 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. Ruby Steel's perks (2% CRO cash back and the Spotify rebate, tied to a 12-month CRO stake) are loyalty rewards, not insurance, and this tier does not even include airport-lounge access.

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 Ruby Steel Travel Insurance actually cover?

Trip cancellation is not covered. The Ruby Steel card is a prepaid Crypto.com Visa with no card insurance program and no certificate of insurance.

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.

Policy document

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 Ruby Steel wins, where it loses

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

Compare

Ruby SteelThis 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 Ruby Steel stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Ruby Steel shoppers also consider.

Card	This card Ruby Steel 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. Ruby Steel is a prepaid, reloadable Crypto.com Visa 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.
Ruby Steel is the 'Plus' tier: it gives 2% crypto cash back paid in CRO (capped around $25 USD per month) and a 100% Spotify rebate, both conditional on staking roughly $500 USD worth of CRO for 12 months. These are loyalty rewards, not insurance, and this tier does not include airport-lounge access.
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 Ruby Steel Cardholder Agreement for the current terms on funds, fees and limits.
The Digital Commerce Bank Prepaid Cardholder Agreement for Ruby Steel attached to this page sets out the fees, limits and terms (it is bilingual English/French). There is no insurance certificate because the card has no insurance program.