Insurance requirements differ depending on where you are from (citizenship), not just the type of credit card you use. This is determined by international insurance coverage agreements and has nothing to do with the rental car companies. We use Amex Platinum because we are fully covered at no additional expense, but you may find that regardless of the rental car company you choose, you'll be required to have the basic CDW.
If you are worried, and want to be completely covered, with no deductible, then take the zero deductible insurance the rental car company offers. The only problem with that option is that it will generally double the cost of the rental.
Source: http://www.fodors.com/community/europe/rental-cars-insurance.cfm
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