Start with your own policy
Check whether OPCF 27 appears on the certificate and what limits/deductibles apply.
Credit-card coverage has separate terms
Eligibility can depend on how the rental is booked and paid, vehicle type and rental duration.
Rental-company waivers are not the same as insurance
Terminology and legal effect differ by product.
Do not assume worldwide coverage
Territory limits and excluded vehicle classes can matter.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.