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Insurance and Assistance

Fraud Insurance

Protect yourself from digital fraud, cloning and fraudulent online purchases.

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Fraud Insurance
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Choose how to pay your insurance

Same benefits in both options. Pick the payment method that fits you best.

Recommended

With Debit Card

$24,990 COP per month / auto-debit
  • Coverage up to $3M COP per event
  • Reimbursement in 48 business hours
  • Covers all 4 fraud types
  • 24/7 hotline for blocking and reporting
  • Legal advice for identity theft
  • Auto-debit from your INOVACOOP account
Great if you mainly use your debit card for daily purchases.
I want it

With Credit Card

$34,990 COP per month / TC charge
  • Coverage up to $3M COP per event
  • Reimbursement in 48 business hours
  • Covers all 4 fraud types
  • 24/7 hotline for blocking and reporting
  • Legal advice for identity theft
  • Monthly charge to your INOVACOOP credit card
Ideal if you prefer to charge it to your credit line and earn points.
I want it
Everything you need to know

Learn more about your insurance

All key information about the INOVACOOP Digital Fraud Insurance.

Coverage amount
Up to $3M COP per event
Term
1 year auto-renewable
Reimbursement
Within 48 business hours
Coverages and uses

Coverages tailored for you

Choose the protection you need against the main fraud risks in Colombia.

Online purchase fraud

Recover your money up to the insured amount if you buy on fake sites or don't receive the products.

Qualified cash theft or fleteo

If your money is violently stolen within 4 hours after withdrawal, we help you recover it.

Fraudulent internet purchases

If someone uses your card online without your permission, we refund unrecognized purchases.

Card cloning or tampering

If your physical card is cloned, we cover fraudulent purchases made 72 hours before the block, subject to conditions.

Ideal for

People who use debit/credit cards and shop online.

Interested?

Write to us and an advisor will get in touch.

Request more information
All included

Get assistance ideal for your daily life

Extra services at no cost that support you when you need them most.

Specialized cybersecurity support

Report incidents and resolve security doubts whenever you feel your data is at risk. Ideal for staying ahead of scams.

Guidance for reporting fraud

Our specialists will guide you to report incidents to banks and websites.

Document-loss assistance

Receive up to $80,000 COP to cover replacement costs of documents affected by fraud, theft or loss.

Requirements to get it

Requirements to obtain it

Requirements to purchase fraud insurance.

General insurance requirements

  • Original valid national ID card (or foreigner ID for non-Colombians).
  • Be of legal age (18+) to hold the product.
  • Personal-data handling authorization (Law 1581/2012).
  • Authorization to consult and report to credit bureaus.
  • Insurance application form filled and signed.
  • Payment of the initial premium (monthly, half-yearly or yearly).

Insurance specifics

  • Active INOVACOOP account or card tied to the policy.
  • Declare no fraud events in the last 24 months.
Documents must be current and original. INOVACOOP may request additional information based on credit or risk analysis for the product.
Full transparency

Rates

Clear prices with no fine print — pick the plan that fits your wallet.

With debit card $24,990 COP / month
With credit card $34,990 COP / month
Coverage amount Up to $3M COP per event
Renewal Automatic with adjustment

Informational rates as of today; credit card plans may earn INOVACOOP points.

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