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Curious about Endurance? Learn about coverage, cost, terms and conditions, and what real customers have to say.
Curious about Endurance? Learn about coverage, cost, terms and conditions, and what real customers have to say.
You’ll often see Endurance ranked at the top of best auto-warranty review lists. Broad coverage, options for high-mileage vehicles, and a simple claims process are common points of praise.
However, complaints about denied claims, admin-heavy cancellations, and contract fine print are just as noteworthy and deserve to be addressed instead of glossed over.
Below, we’ll cover both the good and the not-so-good about Endurance so that you can make an informed decision about coverage.
Yes, Endurance is legit. The company has been around since 2006, and since 2012, it has paid over $300 million in claims on vehicle service contracts—the more correct term for what is often referred to and marketed as extended warranties.
Endurance stands out from competitors for its comprehensive coverage. This includes plans for commercial-use, high-mileage, and Canadian grey-market vehicles.
Additionally, Endurance handles most of its claims in-house, which can make it easier to get clear answers. Another plus is that sample contracts are available on Endurance’s website, which gives you an idea of coverage without having to initiate a quote first.
One thing to note is that Endurance doesn’t offer unlimited lifetime repairs for vehicles. Rather, coverage is capped either based on the vehicle’s cash value or pre-determined contract caps.
As far as age and mileage are concerned, Endurance will provide coverage for vehicles up to 20 years old on certain plans. Although Endurance advertises no mileage limit, certain contracts do cap coverage.
Endurance is also notable because it’s available in California. To comply with state-level laws, it’s sold in the form of mechanical breakdown insurance. These policies are underwritten by Security National Insurance Company and administered through Marathon Company Insurance Services, also in compliance with state laws.
The only state Endurance isn’t available in is Massachusetts, due to strict laws regulating vehicle service contracts (VSCs).
In short, quite a lot. Endurance is highly regarded for its comprehensive coverage, which is customizable and can accommodate luxury vehicles, rideshare vehicles, and high-mileage vehicles.
With that said, the coverage options can be a bit confusing. Endurance’s website prominently features three plans: Secure Plus, Superior, and Supreme. Most review articles only mention these three plans as well.
However, Endurance offers a lot more, including Advantage, a plan that incorporates certain elements of vehicle maintenance and comes in three levels: Prime, Plus, and Preferred.
Here’s a quick summary of Endurance’s available plans:
Endurance offers coverage for certain vehicles that are often excluded entirely from coverage. If your vehicle belongs to one of these categories, there’s a chance that you can either purchase a specific plan for it (as with luxury and high-mileage vehicles) or customize an existing plan. In the second case, there will likely be a surcharge.
These are some examples.
A vehicle used for commercial purposes has to be added to the application at the time of purchase. In other words, you can’t add it later on.
Endurance’s definition of commercial use includes vehicles used for:
Certain vehicles remain ineligible, including vehicles used for:
As with all the terms and conditions mentioned in this article, this is not an exhaustive list.
Endurance offers an extension of the Supreme plan, known as Highline, for select models from high-end manufacturers like Jaguar, Porsche, Maserati, Mercedes-Benz, and more. Coverage is only available to vehicles up to eight years old with fewer than 80,000 miles on the odometer at the time of contract purchase.
If you have a car that’s been issued a salvage or rebuilt title, you’ll need to select the appropriate option on the application and pay the relevant surcharge. The same goes for all of Endurance’s optional coverage.
Endurance also explicitly lists vehicles in this category that are excluded from coverage, including any vehicle that has been
Be sure to check the contract and ask a representative about the trade-in-value calculation.
Endurance provides all levels of its Advantage plan to drivers entering the US with a Canadian grey-market vehicle. Additionally, if the manufacturer warranty doesn’t transfer when the vehicle enters the US, Endurance will pick up the coverage.
Endurance’s plans come with several benefits:
Endurance limits the usage of these perks. You’re only allowed to use one service per 72 hours and a maximum of three services in a 12-month period.
Benefits available at no cost also have price caps. Towing, a battery jumpstart, tire change, fuel delivery, and lockout service are capped at $150.
Elite Benefits are included for the first 12 months of a contract, but there is a $29 activation fee. The following is included:
Exclusions and coverage terms are where most customers get tripped up. It’s worth stressing the importance of reading the contract thoroughly before completing a purchase.
This is good advice for any VSC, but with Endurance, a few recurring complaints stem from consumers being unaware of an exclusion in the contract. These are some important conditions to know about for navigating Endurance’s exclusions and fine print.
Endurance has a 30-day and 1,000-mile waiting period on most of its plans, which is standard. This measure serves a dual purpose. It’s intended to prevent consumers from making a claim on a pre-existing condition; it also allows you a “free look” to assess whether you’re happy with the contract.
Endurance stresses the waiting period in its contracts and emphasizes that it’s a 30-day and 1,000-mile period. In other words, you need to reach both before coverage takes effect. Additionally, the waiting period starts from the purchase date and current odometer reading.
Endurance, much like other providers, is strict about maintenance. You’ll need to have your vehicle serviced in accordance with the manufacturer’s recommendations. If you don’t have the Owner’s Manual, you’ll need to contact the manufacturer to get the requirements.
In the sample contract, Endurance specifically notes that you’re required to follow the maintenance recommendations for your driving habits and climate conditions. That’s a stipulation that could trip you up if not met, as Endurance states that not meeting these conditions “may result in the denial of coverage.”
Another important point is that you need to maintain the vehicle as a whole, not just the covered components.
Getting the maintenance done won’t help you unless you have the verifiable documents to prove it. You’ll need to keep any paperwork proving purchases of the required parts and materials to perform the work. You’ll also need proof of the date and mileage at the time of the services.
It’s a seemingly mundane point, but it’s one that can make or break a claim.
Endurance defines a verifiable document as an original computer-generated maintenance or repair invoice. It has to be issued by a licensed repair facility and printed on their official letterhead. Details like your name, VIN, vehicle details (year, make, and model) need to be included, along with the service date and your mileage.
Endurance doesn’t accept handwritten documents, manually typed invoices, altered documents, or transcriptions of handwritten documents.
Endurance may deny claims if drivers continue to operate their vehicles after a suspected breakdown. The same goes if you fail to have your vehicle towed when continuing to operate it may result in further damage.
A statement you’ll find in Endurance’s contracts is that “lack of mechanical knowledge is not an excuse for continued operation.” If you see warning lights, gauges, or signs of overheating or failure, Endurance expects you to act on it.
During the claims process, Endurance may ask you to authorize a teardown or inspection of your vehicle. Sounds fine, until you hit this clause: If the failure is not covered under the contract, you will be responsible for the charges.
One condition that trips some people up is that seals and gaskets meant to prevent the loss of fluids aren’t covered as standalone components in most plans. They will only be replaced if it’s required in connection with a covered repair.
Exceptions include Supreme, Supreme Wrap, and Advantage Preferred plans. The Advantage plan allows you to add seals and gaskets to a Prime or Plus plan, but a surcharge applies. Additionally, only vehicles with up to 150,000 miles on the odometer at the time of purchase are eligible.
There is also a cap on standalone coverage. After the 175,000-mile mark, seals and gaskets are covered only when required to be replaced in connection with a covered repair.
An Endurance contract may be transferred by the original policyholder to a new owner if it’s an individual purchaser. The contract can’t be transferred to a dealer.
There is a $50 processing fee, and written evidence of required maintenance services must be provided to the administrator. Additionally, the transfer application needs to be submitted within 30 days of the sale.
The sample contract does note that a transfer request may be declined “for any reason.”
Endurance’s plans tend to be priced higher than other third-party providers’. With that said, an average benchmark is around $80–$150 per month. Some sources place the average closer to $100–$220 per month.
The down payment on an Endurance contract is normally the first month’s payment plus a $29 activation fee.
Pricing will be shaped by a number of factors, including your vehicle’s make, model, age, and mileage. Additionally, the state you live in, the deductible amount, and, of course, the plan selected also influence cost.
Canceling an Endurance contract is not an admin-free walk in the park. In addition to a written request, Endurance also requires a notarized statement indicating the odometer reading at the date of the cancellation request.
If you cancel within 30 days and haven’t logged any claims, you’ll be eligible for a full refund. If there has been a claim, or if you cancel after the first 30 days, the refund will be prorated. Your contract will contain the relevant information regarding how this is calculated.
Endurance Warranty is a Better Business Bureau-accredited company. It holds an A rating from the BBB, meaning that it has shown a commitment to resolving complaints.
Although those are positives, Endurance has also had 3,572 complaints filed against it over the last 36 months. In the past 12 months, 1,089 complaints have been resolved.
Aside from information about accreditation and complaints, the BBB also provides important information and alerts about government actions:
On August 20, 2026, Endurance entered into a consent order with the New York Department of State’s Division of Consumer Protection, settling allegations that Endurance made unsolicited telemarketing calls to consumers whose phone numbers were listed on the Do Not Call Registry.
Under the terms of the consent order, Endurance agreed to pay a civil penalty of $36,000. The company also agreed to refrain from contacting New York residents registered on the Do Not Call Registry without their documented consent.
Purely on a numbers level, Endurance is rated fairly well across review platforms. On the BBB’s website, it holds a 3.77 out of 5 stars from 5,450 customer ratings. Meanwhile, on ConsumerAffairs, it’s rated 4.5 stars based on 19,748 reviews. Endurance’s Trustpilot rating falls between those two, with a 4.1 out of 5 rating from 15,465 reviews.
It’s worth assessing reviews to learn about common mistakes that lead to denied claims. It’s also a resource that can help you determine whether this is a business you want to work with.
Customer complaints against Endurance tend to follow similar patterns: claim denials, incomplete information, cancellation issues, and so on.
Any VSC provider will deny claims; that goes for manufacturer-backed plans as well as third-party providers. Very often, those denials are for fair reasons, like misunderstanding coverage. It’s also common for a declination to be tied to fine print in the contract.
With that said, there is a trend of Endurance citing pre-existing conditions as a reason for a declination—even when the consumer has verifiable proof that this can’t be the case.
Multiple reviewers report a similar experience: An inspector comes out, assesses the vehicle, and tells them it’s a cut-and-dry claim; later, the customer is hit with a denial. Often, the reason comes out of left field.
Oversized tires are a common reason that gets cited. This brings us to another common concern.
Endurance offers optional tire-modification coverage on certain plans. Customers who have their claims denied because of oversized tires don’t always know about this. Many also aren’t aware that oversized tires are listed in the exclusions section.
Similarly, many contract holders aren’t aware of the stipulations around seals and gaskets described above. As one BBB reviewer notes, “My complaint is not simply that claims were denied, but that an important coverage limitation was not clearly explained during the sales process.”
Compared to other providers, Endurance has a complicated cancellation process, if only because of the extra admin it requires. Instead of submitting a form and calling it a day, customers are expected to also provide a notarized mileage affidavit.
There are also several reports of billing issues surrounding cancellations, with monthly payments still going off and trouble having those amounts credited.
Endurance does receive its fair share of positive feedback from consumers. Here’s what comes up most often:
Endurance can provide great coverage, but the fine print matters. Customers who report the most success with Endurance are the ones who do exactly what the contract states, straight down to holding on to invoices for routine maintenance.
As far as providers go, Endurance isn’t one of the worst extended-warranty companies out there. It has the potential to provide peace of mind, as long as you understand exactly what the contract says.
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