Well its debit to debit, and no its not very reversible. You need login credentials to make the transfer. You also need your card #, expiration, and CVV. So, telling netspend your card was stolen won't do much good because your login/pw would also have to be stolen. Netspends policy states they will only cover fraudulent transactions:

"if you are not grossly negligent or fraudulent in the handling of your Card, PIN or Virtual Account".

I don't think they would accept the argument that someone obtained your card, username, and password for your online account on accident.