I did get it. I did not use it. From what I remember it was only $20 or so. The rental was cheaper than I thought so it wasn't a big deal. Renting again in two weeks (again from kingdom strollers) and I got the insurance again.
I've never gotten it. I had a few moments of panic when DD2 got chocolate on the brand new stroller we'd rented last week but it all came off and I haven't heard anything from them.