I have often both accepted/declined additional coverages. Many years ago I had the choice of paying 9 pounds ($16 at the time) for damage waiver overseas. Best $16 I ever paid.

But I’ve never needed to invoke insurance provided via various credit cards.

How easy is to call up and say “hey you’ll never guess what happened and I want to use my card included coverage”.

Interested in any actual experience for/against relying on such coverage.