Hey Product Hunt, A man was hospitalised in Thailand. His doctor recommended air transport to Singapore. He arranged it himself, because his card's benefit guide says evacuation is covered up to $100,000. The claim was denied in full. Not over the amount. Because he arranged the transport before calling the benefit administrator. Pre-authorisation is mandatory. It is one sentence in a PDF called BGC11388. He lost $34,000. We found it in the CFPB complaint database, and it is on the page. So we rated the insurance inside 446 credit cards across five countries, guarantee by guarantee, from the official benefit guides. Every guarantee gets one of three verdicts: covered, not covered, or misleading : https://hellosafe.com/credit-car... Misleading is the one nobody else publishes. The Chase Sapphire Reserve costs $795 a year and its emergency medical benefit is $2,500, secondary to your US health plan, reimbursement only. It reads like medical cover. Abroad it can pay nothing. When the rating finds a gap, we show what fills it. Blunt about the business model: we run a travel insurance marketplace, 40+ insurers in 26 languages and 33 currencies, and we earn a commission if you buy. The rating takes nothing from card issuers, and it tells you when your card is already enough. For builders, the same data is an open API, an MCP server so an AI answers from the contract instead of hallucinating, and an embeddable widget. Free, no account, no card number. Every card page has a report an error button, because these PDFs change without telling anyone. The UK, Belgium, Germany, Spain and Japan land later this year. What does your card claim to cover, and would you bet $34,000 on it?

HelloSafe

All the insurance hidden in your credit cards, revealed

All the insurance hidden in your credit cards, revealed