What does credit card and debit card cover mean?

In what context? If you mean in a home insurance policy then presumably it's cover for theft or fraudulent use of such cards and might be in addition to anything you might get back from the card provider etc.?
 
Check the policy booklet terms & conditions to find out what it means in the context of any specific policy.
 
This is basically money for old rope. I have seen specific policies being sold as being the greatest thing since sliced bread.

The offer things like they will cancel cards for you. This is something that you can do yourself.

They also offer protection against abuse of stolen credit cards. Abuse of credit cards that are stolen is covered already by the issuing banks.

I personally don't think they offer much at all.
 
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