I sadly purchased this warranty from a dealership. I have had to pay for my last 2 repairs due to the company delaying in calling back auto shop. I need my vehicle to make a living and I can not wait 3-5 days for them to decide what may or may not be covered. Asked for a refund but was told that I could not get one due to it being 20 days after signing up for warranty. Sadly it was not disclosed to me that I even had this option till I finally inquired about a refund of some sort on my 5 year policy I got scammed into.