Numbers are the ones each provider publishes. Check the link before you call, and never call a number that arrived in a text. No real bank, card company or phone company will ask you for a password, a code from a text, or control of your phone.
Benefits, limits and exclusions vary by card, account and policy, and the provider's own terms and your own policy decide what you get. We link theirs so you can read it. This is information, not legal, insurance or financial advice.