human
Having insurance is a good idea no matter what rental you drive, otherwise you're personally liable if you get in a wreck.  You can buy theirs, but usually third party coverage is cheaper and works fine. 

Something to keep in mind is to inform them if you plan to cross provincial boundaries. Generally their own coverage is portable between western provinces, butt that may not be the case in the States or Ontario where laws are quite different.
gpt
{"moderation": ["safe"]}