Photo - MTAYou can now insure your unlimited $70 monthly Metrocards. The MTA announces its Metrocard Balance Protection Program for all cards bought on or after October 1, 2003 with a credit, debit or ATM card from a vending machine:

Simply call 212-METROCARD (212-638-7622) and supply us with the number of the credit, debit, or ATM card you used to purchase your MetroCard. We will credit your account with a prorated value of $2.33 per day remaining on your 30 days based on the date you notify us of the loss. You will not receive a replacement MetroCard...

Just keep in mind you pay $5 the second time you lose-and-try-to-reclaim your unlimited Metrocard and only get two replacements a year. Gothamist isn't going to complain about "only two replacements" because two is better than none.