Thinking more about your question, I would add to be mindful of whether the insurance via a card is primary or secondary. In reviewing coverage from my Canadians personal provider and my various credit cards, I noticed that in at least one instance this had changed since I first looked into several years ago. It can make a difference.

Last summer when I took rental car insurance coverage up with Amex (at least for my card) they confirmed it was primary. I keep a note with day/time of call, agent’s ID etc. Hopefully no claims in future but wanted to be prepared.