You didn't mention which card vendor you are with, but Federal Law restricts your liability from any fraudulent activity using your card to $50. You should report the loss within 24 hours to the issuing authority.

While most companies do offer protection programs, the costs are pennies on the dollar and vary from company to company. Some, like American Express, offer a fraud protection guarantee for free and do not hold the card holder responsible for any fraudulent charges that are promptly reported. The same is true for Bank of America card holders.

It depends on the company of the credit card you hold.

I'm very sorry to hear that your credit card was stolen. I know from experience how stressful losing your wallet or credit card can be.

As @marcand mentioned, your first step should be to report the loss as soon as you realize your card is missing. Most (if not all) credit card providers have a 24-hour theft/loss report hotline that you can call.

However, to prevent any loss if you ever experience the situation again, your best bet is to contact your issuing company for information on fraud protection. Some companies offer fraud protection free of charge, while others will charge a small monthly or annual fee for fraud protection.

You could also try a third party solution for fraud insurance, such as My-Spy, which is featured in the video below. The service "allows users to monitor their accounts on their cellphone via text message, providing the earliest possible detection of identity theft and card fraud." The introductory price is $39.95/year and My-Spy "works with accounts with more than 225 financial institutions and credit cards in Canada, the US and world-wide."

Check with your credit card company first. Most credit card companies do not hold you responsible for fraudulent charges others make you page the first $50.00 .

Chase has a Fraud Detector service for 7.99 / month
https://www.chasefrauddetector.com

They monitor your charges and check for things like International Transactions, Cash Advances, Internet Transactions, High dollar value transactions and more.

Citibank has Fraud Early Warning detection. If they notice unusual activing they call you to verify the charges.

American express will take the charges off, and research the transaction for you. They will also send you alerts on your phone for unusual spending... all part of the card. Amex's web site states you will not pay any part of the fraudulent charges not even the first $50.00

So it comes down to which card you have to begin with.

Certain types of protection may apply to you in the case of credit card fraud. By law, your credit card agreement must explain your maximum liability (no more than $50) in the case of a lost or stolen credit card, or the unauthorized use of your credit card number.

If someone makes an unauthorized purchase using your MasterCard card number, you will not be responsible for that purchase.

Simply notify American express if your Card is lost or stolen, or you suspect it is being used without your permission. Just call 1-800-869-3016, or outside of Canada (please call collect) 905-474-0870. Once you mention to our agents that you suspect fraud, we will launch an investigation. The moment we are alerted to a fraudulent activity, our team will work to resolve any issues as soon as possible.
Visa zero liability protects you against fraud. Report lost or stolen cards immediately to the financial institution that issued the card or to Visa - the sooner your financial institution knows about a lost or stolen card, the sooner they can block the account.Report suspected fraud to Phonebusters - call 1-888-495-8501 or online at www.recol.ca