Arch RoamRight also offers a standalone auto rental insurance plan if you do not require trip cancellation or medical coverage.
In most cases, they do.
Premium plans include benefits before and during your trip.
With benefits to cover trip cancellation, medical expenses, and even travel inconveniences like lost luggage, travel protection is a smart way to help guard against costly disruptions to your travel plans.
Compare policies for their terms.
That likelihood may well depend on where you're going and what you will be doing.