# Coverage for what agents buy with the cards in your wallet
> Getting returns or reimbursements should be just as easy as purchasing something.
Canonical URL: https://www.sureapp.com/ai/agentic-purchase-protection
## Illustrative conversation

Trail shoes, wrong size

## Agent purchases fall under benefits the card already carries

Purchase protection, return protection, and extended warranty attach to the card. They apply to an order whether a person or their agent placed it.
- Purchase protection: An agent orders a camera kit and it arrives with a cracked lens. Purchase protection covers eligible items that are damaged or stolen after purchase, on the card that paid.
- Return protection: The agent ordered a size 9 and the store won't take them back. Return protection can refund an eligible item the merchant refuses to accept, starting from the original transaction.
- Extended warranty: Headphones the agent bought stop working a few months after the maker's warranty runs out. Extended warranty adds repair coverage past the manufacturer's term.

## One transaction record carries the whole claim

Nothing here depends on the agent reporting its own mistake. The card saw the purchase, so the claim starts from what the card recorded.
- 1. The agent pays with the credential: A person gives their agent a card, a wallet, or an agent payment token. The agent checks out with it the way the person would, and the card's benefits come along.
- 2. The purchase lands in the transaction record: Merchant, amount, date, and item are captured when the card is charged. Every benefit on the card applies to that line, whoever placed the order.
- 3. A claim opens already filled in: When something goes wrong, the claim starts from the transaction. The person confirms what happened instead of retyping a receipt, and it goes to the carrier behind the benefit.
- 4. The agent checks coverage through MCP: Sure's MCP server gives an agent delegated access, with the person's consent, to look up what the card covers. Updates reach the person in the chat they already use.

## Put the coverage where every transaction is already visible

Agents will keep changing. The card that pays stays the same, and it sees every purchase.
- Claims start from the transaction record, so they never depend on the agent's account of events.
- The benefits already on the card cover the purchase, with no new product to file.
- Claims go to the carrier that already stands behind those benefits.

## Card benefits already running on Sure

Live with Mastercard, Revolut, and Pliant. Claims backed by Chubb.
- 90% of claims auto-adjudicated to payout by Sure's rules engine, with no human adjuster
- <24 hrs median card-linked claim time, from submission to funds on the card
- $1B+ in premium processed on the platform
Benefits, eligibility, and claim outcomes depend on the card program's terms and the carrier's review.

## Questions from partners

### Do we need a new insurance product for agent purchases?

No. Purchase protection, return protection, and extended warranty attach to the card, so they apply to agent purchases on the same terms. Sure runs the benefits portal and the claims behind them.

### What does an issuer need to connect?

The card program and its benefit terms. Sure's benefits portal and claims center are swipe-aware, so a purchase an agent makes shows up the same way a person's does.

### Does the agent need its own insurance?

No. The coverage sits with the card and the person who holds it. The agent only places the order, so nothing in the claim depends on which agent that was.

### Does this work with agent payment tokens?

The benefit follows the credential. When a token or wallet is tied to a covered card, the purchase lands on that card's record and its benefits apply. Talk to us about how your tokens are set up.

### How is this different from a chargeback?

A chargeback disputes a charge with the merchant. These benefits pay out when the purchase itself went wrong: the item broke, the return was refused, or the warranty ran out. The two can sit side by side.

## Cover what agents buy with your cards

For card issuers, wallets, and agent payment platforms. We can show you how the benefit set attaches to your credential.
Primary action: [Talk to Sure](/company/contact)