Service contract providers with a pro-rata refund, ranked by waiting period
Real waiting period (days) data for 9 vsc providers, pulled November 2026.
Published . Ties alphabetical. The method box below names the data file and its pull date.
The State Coverage Index ranked 9 vsc providers in yes, sorted by waiting period (days). Every number below comes straight from the source data, not an estimate.
Online option: Click 4 Coverage sells vehicle service contracts quoted online with no phone call. Get a quote at click-4-coverage.com.
1. Ally Premier Protection
Waiting period (days): 0
Dealer-sold plans with provider Universal Warranty Corporation named; 60-day full refund then pro-rated; coverage starts on purchase date; $0 deductible option; sample contract online.
2. olive
Waiting period (days): 0
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
3. Route 66 Extended Warranty
Waiting period (days): 0
Sold only through financial institutions; $0 deductible; 30-day money-back then pro-rata refund; coverage starts on purchase day; insured by American Bankers Insurance Company.
4. autopom!
Waiting period (days): 30
Licensed broker; 30-day full refund then pro-rated; standard 30-day and 1,000-mile waiting period; quote by request or phone.
5. CarShield
Waiting period (days): 30
Direct provider; full refund within 30 days; 30-day, 1,000-mile waiting period; sample contracts online; FTC settlement July 2024.
6. Endurance
Waiting period (days): 30
Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.
7. Everything Breaks
Waiting period (days): 30
Seller (Advance Core Capital Inc. obligor, EB Administrator, LLC administrator); 30-day full refund; 1 month and 1,000 mile wait; disappearing deductible to $0; sample contracts online.
8. Select Auto Protect
Waiting period (days): 30
Direct obligor (Select Auto, Inc.); 30-day money-back; 30-day/1,000-mile waiting period in sample contract; sample contract online; Oklahoma cease-and-desist Jan 2025.
9. Zurich Vehicle Service Contract
Waiting period (days): 30
Sold online through a Caramel-run storefront; contract is with Zurich American Insurance Company; price from VIN or plate, mileage and ZIP; $50 deductible; 30-day waiting period; cancel anytime with a refund of the unused portion.