Your memory doesn't jibe with my receipts - for me, it's US$24.95 per rental, for rental periods of up to 30 days duration, with US$100,000 primary protection. Latest receipt on a visit to the Netherlands Antillies was from our 2 week trip to Curacao this summer (June 20 - July 4, 2009).
Residents of California pay US$19.95 per rental for the same coverage, but it's all detailed at the AMEX web site on this protection choice.
https://www152.americanexpress.com/...?intlink=premiumprotecthub_hero_multiple_pcrp
There are certain countries this isn't available, but none of the Netherlands Antillies appear on the exclusion list.
Even here in the USA, this still applies as
primary coverage. I rented one of the new Camaro's from Hertz on the personal portion of a business trip to Tulsa, OK after we returned from Curacao this summer, after I turned in the 'business rental' Hyundai Sonata. Same US$24.95 fee for the rental period.
The FAQ shows this applies to more than CDW, but just follow the FAQ link for more info.
"Rates include Loss Damage Waiver and Personal Accident Insurance/Personal Effects Coverage and may vary based on location, and/or other factors."
"You can decline the Rental Company’s Collision Damage Waiver (CDW), Personal Accident Insurance (AD&D) and Personal Property coverage and similar options offered by the Rental Company, because these coverages are included under this plan."