I'm so sorry, but I'd be a liar if I told you I remember how this one worked out. If I was able to decline it, I brought a letter from the card company stating I had coverage. I just don't remember which countries this worked in and I needed a letter and which countries I took the coverage on that trip. I do remember my car from Avis was pretty beat up, so we documented the heck out of it. Nobody even glanced at the car when we returned it, I guess they are used to it. I believe the Jordan Avis had a max deductible if you took the coverages, but my card would have been zero deductible.

I'm so sorry I am having old man brain.