A cut of the provider table
Service contract providers registered in Minnesota, ranked by waiting period
Real waiting period (days) data for 7 vsc providers, pulled October 2026.
The Service Contract Report ranked 7 vsc providers in yes, sorted by waiting period (days). Every number below comes straight from the source data, not an estimate.
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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. Alpha Warranty Services
Waiting period (days): 0
Dealer- and agent-sold obligor (Alpha Warranty Services, Inc. or United Service Protection, Inc. by state); day one coverage; $100 deductible on Powertrain Plus; ABC program eligible for every model year and mileage; no public sample contract.
3. GWC Warranty
Waiting period (days): 0
Dealer-only provider (APCO Holdings brand); Day One, Mile One coverage on used vehicles; transferable; APCO named issuing provider in FL; no deductible, eligibility or sample contract published.
4. olive
Waiting period (days): 0
Seller; full refund within 30 days; no waiting period; sample contract online; price shown after name, ZIP and email.
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.