Did you know that if you have drivers insurance, as you should, you probably don't need rental insurance? We didn't for a long time. In fact, it wasn't until I randomly looked up some information online, and verified it with my insurance, that we knew. And that was just a few weeks ago.
The hubby and I have rented many cars in the last few years. That means we have spent hundreds of dollars on rentals that we didn't have to, being that it's the insurance that really drives up the cost. That is hundreds of dollars we could have saved. Bummer! But you live and learn I guess.
If you have any questions or want to verify what's covered (including whether international rentals is covered), call your insurance. They will be happy to let you know. And don't let the rental car company talk to you into it if you don't need it. It is such a waste of money. Unless you plan to go off roading or something, in which case it's probably against you rental contract anyways.