As previously stated, understanding the policy is critical. You must be sure you understand what the policy says. A quick read can cause you problems. My coverage is with XtraRide. They just replaced the Cooling Unit in my refer. Cost to me - $75.00. Cost to them $1500.00. Prior approval before repairs are made is required. Under my program the repair shop must diagnosis the problem, then contact the company for authorization to repair and then accept their payment. Not sure what goes on during this conversation. Not all repair shops like to or will deal with the warrenty/insurance company. Opinions about the warrenty programs are mixed. A significiant number argue against purchase of such programs. My take is that you purchase such a program to protect you against what could happen. I see it as no different than purchasing home insurance.
2003 Newmar Scottsdale, SDCA 3257, 8.1 Vortec