A cut of the provider table
Service contract providers registered in Minnesota, ranked by money-back period
Real money-back period (days) data for 6 vsc providers, pulled October 2026.
The Service Contract Report ranked 6 vsc providers in yes, sorted by money-back period (days). Every number below comes straight from the source data, not an estimate.
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1. Ally Premier Protection
Money-back period (days): 60
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. CarShield
Money-back period (days): 30
Direct provider; full refund within 30 days; 30-day, 1,000-mile waiting period; sample contracts online; FTC settlement July 2024.
3. Endurance
Money-back period (days): 30
Direct provider; 30-day full refund; 30-day and 1,000-mile waiting period; sample contracts online; obligor and insurer named.
4. Everything Breaks
Money-back 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.
5. olive
Money-back period (days): 30
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
6. Omega Auto Care
Money-back period (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Inc. is administrator and obligor); 30-day full refund then pro rata less $75; sample contracts online; waiting period unpublished.