We had USA Travelcare policy on our previous (2002 model) coach and had no complaints. Only had one claim, as I recall, and we got a partial refund for terminating it early when we traded the coach.
Most problems with these policies come from misunderstandings about what they cover and the required procedures. Sales people promise a lot more than most policies deliver, so you really need to understand the specifics of the policy. Naturally, they highlight what is covered far more than what is not, but all these policies are chock full of general exclusions, e.g. things like body parts, anything that gets "wear & tear", etc. And all those will be rigorously enforced - no slack cut.
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL