仔细阅读保险条款，Amex的Car Rental Loss and Damage Insurance Benefit Guide里有第3条，声明需要时美国的永久居民。
Who is Eligible to Receive Benefits
You are eligible to receive benefits in accordance with this Description of Coverage if:
You are a Basic Card Member or Additional Card Member;
You were the person who signed the Rental Agreement; 3. You maintain your Permanent Residence within the 50 United States of America, the District of
Columbia, Puerto Rico or the U.S. Virgin Islands; and
You have fully activated coverage
Chase的Letter of Coverage里则没有相关的条款说明，Guide to Benefits里也写的很简单，没有相关条款。
Amex 租车保险里的 terms 里定义了，Permanent Residence means the one primary dwelling place where the Card Member resides and to which they intend to return, and, if necessary, can be evidenced by a current and active official form of identification. Examples include, but are not limited to: State issued Identification Card, Driver License, and Voter Identification Card
legally 你不是 us resident 不能开/用美卡