Paid placement. Click 4 Coverage is a client of OwnersFirm, which publishes this site and is paid when a reader who arrives from it buys coverage. Click 4 Coverage holds the first row of every ranked table on this page as a paid placement; the rows below it keep this table's published order, and its own figure is printed beside it like everyone else's. No other company on this page paid to appear.
A cut of the provider table
Vehicle service contract companies by money-back period, longest first
How many days each company gives you to cancel for a full refund, as printed on its own pages.
Click 4 Coverage holds the first row as a paid placement, and the 11 rows below it are the top vsc providers by money back days. Every number below comes straight from the source data, not an estimate.
1. Click 4 Coverage Paid placement
Money back days: 30
Seller; quoted online with no phone call; 30-day waiting period with a full refund inside it; $0 deductible options.
2. American Dream Auto Protect
Money back days: 30
Direct by its own words (no obligor named); 30-day money-back; typical 30-day and 1,000-mile wait; up to 20 years and 200,000 miles; Florida OIR consent order Feb 2026 for unlicensed sales.
3. autopom!
Money back 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.
4. CARCHEX
Money back days: 30
Direct marketer of partner providers' plans; 30-day money-back guarantee; transferable for about $50; not sold in California.
5. Empire Auto Protect
Money back days: 30
Seller of VSCs administered by Mechanicals Choice; 30-day money-back; 30-day/1,000-mile wait; deductible-free option; no age limit; no sample contract online.
6. Endurance
Money back 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
Money back 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. olive
Money back days: 30
Seller; full refund within 30 days; no waiting period; sample contract online; price shown online.
9. Omega Auto Care
Money back days: 30
Direct (EGV Companies, Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.
10. Premier Auto Protect
Money back days: 30
Direct by its own words (no obligor or entity named); 30-day money-back then pro-rated refund; transferable; no sample contract or terms printed.
11. Route 66 Extended Warranty
Money back days: 30
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.
12. Select Auto Protect
Money back 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.