I don't know if the AMEX terms vary with the type of card, but here's the link to the relevant AMEX page for my card ("Blue Cash Preferred" card):
https://www.americanexpress.com/us/credit-cards/benefits/detail/car-rental-insurance
And contrary to the PDF linked earlier in this thread (in which pick-up trucks were specifically INCLUDED in the coverage), look at item #3 from the page on the coverage with my card which specifically EXCLUDES pickups. So indeed, YMMV.
Good to Know
- To receive this benefit, you must both reserve and pay the full price of the rental with your Card.
- This benefit provides secondary coverage and does not cover liability, personal injuries, personal property, or damages to other vehicles.
- This benefit does not apply to some rental vehicles, including:
- Trucks
- Pick-ups
- Full-sized or cargo vans
- Commercial mini-vans
- Customized vehicles
- Antique cars
- Limousines
- Full-sized sport utility vehicles
- Off-road vehicles
- Any vehicles with a manufacturer's suggested new retail price of $50,000 or more
- Any vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand