Hello,
from the MMC specification:
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If hot insertion feature is implemented in the host, than the host has to withstand a shortcut between VDD and VSS without damage.
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With Terasic DE1 and DE2, VDD ist directly connected to 3.3V supply, I guess the quoted condition isn't met. You could conclude, that these Boards thus don't implement hot plugging. But I would worry about for a retail product, not for an evaluation board. I'm also in doubt, if typical consumer products care about MMC spec. For an industrial product, I would recommend a current limiter for VDD and protection diodes at data lines. I won't be sure, if e. g. supply contact lead is enough to prevent from ESD hitting a data line during card insertion.
Regards,
Frank