Straight answers, before you ever pick up the phone.

A vehicle protection plan — often called an extended auto warranty — is a contract that covers the cost of repairing or replacing specific mechanical and electrical components after they break down, once your vehicle's original manufacturer warranty has expired or run out of miles.

No. A vehicle protection plan is not insurance. Auto insurance covers accidents, collisions, theft, and liability, and is legally required to drive. A vehicle service contract covers the cost of repairing mechanical or electrical failures — the two are separate products that work alongside each other, and a protection plan doesn't replace your auto insurance policy.

Depending on your plan tier, coverage can include the engine, transmission, drive axle, electrical system, air conditioning and heating, suspension, steering, brakes, fuel system, and high-tech electronics, plus ancillary benefits like roadside assistance, towing, rental car reimbursement, and trip interruption coverage. See the Coverage Plans page for a full breakdown by tier.

Your deductible is the amount you pay out of pocket toward a covered repair before your plan covers the rest. US Warranty offers multiple deductible options, so you can balance a lower monthly cost against a lower per-visit deductible based on what fits your budget.

Yes. You can use any licensed repair facility in the country — a dealership, an independent shop, or your regular mechanic. There is no requirement to use a specific network location.

Yes. Like most vehicle protection plans, there is a brief waiting and mileage/inspection period after your plan activates before claims can be filed. This is standard across the industry and is designed to keep coverage fair for every driver — your contract will specify the exact terms.

No. Like nearly all vehicle protection plans, pre-existing conditions — issues that existed or were known before your plan's effective date — are not covered. This is why plans include a short waiting/inspection period at activation.

Yes. You can cancel at any time. Depending on your state and how long you've held the plan, you may be eligible for a prorated refund of unused coverage — your contract outlines the specific cancellation terms and any applicable fees.

Most US Warranty plans are transferable to a new owner for a small administrative fee, which can also make your vehicle more attractive to buyers when you sell it privately.

Call our claims line before repairs begin so we can verify your coverage and authorize the work. Take your vehicle to any licensed repair facility, and once the repair is approved, we pay the shop directly — you only cover your deductible. See the full How It Works page for a step-by-step walkthrough.

Yes. US Warranty plans are available to drivers across the United States, and covered repairs are honored at licensed repair facilities nationwide — not just in your home state.