Credit cards that offer travel insurance

[thymeandplaice]

We would like to get credit cards that cover travel insurance and car rental insurance, but are not really credit card users so would love advice on this. I know Amex is meant to be good for this, but doesn't seem readily available where we are. Would like to hear from others what they use? Or can anyone recommend good annual cover for expat travel insurance? Would love to have car hire covered too though, as rental companies charge such extortionate rates. Thanks!