This company wont honor their contract with you
This company is a scam! When I bought my car I included an extended warranty since it is a Mercedes and had some 28k miles already. That warranty worked perfectly, I had to take my car 2 times to the dealer and I only had to pay my $50 deductible in every case. When the warranty expired I decided to open an account with Toco and go for its top-tier Orange plan, which has a $100 and has the most comprehensive coverage, and in my case, I had to pay $194 monthly. The surprise started when the AC compressor failed and I had to take it to the dealer. Suddenly, the Toco representative told me that the dealer 'should not charge that amount for labor' and we only cover up to this, and the dealer 'must buy this part up to this price'. I rented a car for 2 days in a nationwide company for $40/day, I don't have to specify I took the smaller/cheapest car in the lot, even though I drive a full-size SUV. I ended up paying $400 out of my pocket for the repair and they did not cover the full rent expense. This company is so cheap that the rental bill was $85 and they only covered $80. the next month the AC stopped working and I had to return to the dealer. This time, the dealer wants to replace the high line because of a leaking in its valve, Toco was notified on May 7th. On Friday 10th Toco called me to inform me that the company has 48 hours to go to the dealer, and that doesn't include the weekend days. Toco's inspector finally made it to the dealer on Wednesday, May 15th, more than 48 hours, then Aaron called me to let me know that it was not covered and 'that's what it is'. The AC high line is not included nor excluded and is in a grey area they used in their favor, I wonder how many parts are hidden that will end up not covered. This is a nonserviceable part, so to my basic mechanic knowledge, it is obvious it should be covered. That did not stop there, also they did not cover the days that I had rented a car waiting for them, which ended up being 9 days. After I decided to close my account, you have to call them and they won't let me cancel my account in that call, they would have an agent to call you and persuade you to change your mind. Then, the same Aaron called me and suddenly they could help me with the repair and the rent expenses. I did not talk about numbers because I had a firm decision to close my account, but considering they are so cheap, their coverage for this 'help'(that I am paying!) should have been a laughing number. Go for another option, if something more serious happens to your car, they won't cover it and you will be on your own