Originally Posted by pinniped

Is there a way to buy it on a one-time basis?

For example, I'd never pay $15-25 for a short rental in the United States - I'm already paying for coverage through my regular policy. But my regular policy gets sketchy in a lot of different countries - for example, I know I'm totally covered in Canada and the UK, but not in Belguim. If I need a Belgian rental, I'd either need to buy from the rental agency, buy a supplemental policy from my own insurance company, or maybe buy this Amex deal. The simplicity of the Amex deal might work in its favor - even if my insurance company would probably price it a few bucks lower.