American Dream Auto Protect vs. Omega Auto Care
Compare coverage, cost and reviews
 |  |
|---|---|
4.1
1,029 reviews
|
4.0
1,408 reviews
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| No. of plans:3 | No. of plans:5 |
| Max mileage130,000 | Max mileage250,000 |
| Max vehicle age10 years | Max vehicle age15 years |
| Waiting period30 days | Waiting period30 days |
+1 more
American Dream Auto Protect and Omega Auto Care both offer extended car warranties that protect you financially after your manufacturer’s warranty expires.
While they offer similar services, there are some differences between the coverage they offer, the cost of their plans and the additional benefits you get. We’ve analyzed both companies to help you decide which is the right fit.
We recommend American Dream Auto Protect for focused coverage. The company offers flexible plans that can be tailored to meet specific needs, making it a good choice for buyers who prioritize targeted protection over broad coverage.
Omega Auto Care provides the most comprehensive coverage at a lower price than American Dream. Its plans are a better fit for buyers who want premium coverage without paying top-tier prices.
American Dream Auto Protect vs. Omega Auto Care coverage
Plans from American Dream Auto Protect and Omega Auto Care offer varying levels of coverage for your vehicle's parts and systems.
American Dream Auto Protect coverage
American Dream Auto Protect offers three plans. You can fill out an online form to get a quote for your vehicle, but you’ll have to provide your contact information and wait for the company to contact you with your pricing details. You can also call directly to get a quote. Here are more details about each of its plans:
- Silver provides essential powertrain coverage only.
- Gold offers comprehensive coverage for your vehicle’s major powertrain systems.
- Platinum covers all powertrain and electrical systems.
Omega Auto Care coverage
Omega Auto Care provides five plans across three tiers: Powertrain, Powertrain Plus, Powertrain Enhanced, Used Stated and Exclusionary. Each plan covers various components within each category, so checking your specific contract to determine what’s included is important.
- Powertrain covers some parts of your engine, forced induction (turbo/supercharger), transmission, transfer case and drive axle(s).
- Powertrain Plus increases the coverage on each of the named systems in Powertrain and adds coverage for some components of your air conditioning and heating systems.
- Powertrain Enhanced covers everything in the first two plans plus additional parts of each named system. It also extends protection to some parts of the cooling and fuel systems.
- Used Stated expands on the previous levels by adding coverage for some steering, brake and electrical system components.
- Exclusionary, the most comprehensive plan, covers everything in the previous plans, along with additional parts for each system. It also adds coverage for up to two labor hours for emergency repairs. This plan covers almost all components of each system, except those specifically listed as “not covered” within your policy documents.
We’ve broken down what’s covered under each of the companies’ plans below:
 |  | |
| Coverage | | |
|---|---|---|
| Plan | ||
| Engine | | |
| Transmission | | |
| Drive axle | | |
| Transfer case | | |
| Seals and gaskets | | |
| Turbocharger/supercharger | | |
| Heating system | | |
| Cooling system | | |
| Air conditioning | | |
| Brakes | | |
| Suspension | | |
| Steering | | |
| Fuel system | | |
| Electrical components | | |
| Navigation/GPS | | |
| High-tech components | | |
» LEARN MORE: What does a car warranty cover?
American Dream Auto Protect vs. Omega Auto Care cost
The cost of an extended auto warranty can vary significantly based on several key factors. Vehicle age and mileage are typically the most influential factors — newer cars with lower mileage generally cost less to cover than older vehicles with high mileage. The make and model of your vehicle also impact pricing, with luxury and high-performance vehicles usually commanding higher premiums due to more expensive repair costs.
Additionally, plans with comprehensive coverage cost more than basic powertrain protection. Plans may also be more expensive depending on where you live.
We gathered quotes for different vehicles with varying mileage to give you an idea of how prices compare between American Dream Auto Protect and Omega Auto Care. The prices below are for each company's lowest-tier plan unless otherwise noted. Keep in mind that coverage for these plans varies, so it’s not an exact apples-to-apples comparison of value.
For American Dream Auto Protect, we got quotes for a Ford F-150 and a Honda CRV with only 120,000 miles, since the company does not cover vehicles that have more than 130,000 miles.
To get a quote from Omega over the phone, you will need to disclose your vehicle’s VIN number to the company to accurately access your vehicle's current status. We used Chaiz, an online extended auto warranty broker, to gather quotes since it offers estimates for Omega plans. All four of the quotes we collected are based on the Powertrain Plus plan, as the basic Powertrain plan is only available for vehicles with 150,001 to 250,000 miles.
| Model and mileage | American Dream Auto Protect | Omega Auto Care |
|---|---|---|
| 2013 Ford F-150 (150,000 miles) | $1,428 per year | $924 per year |
| 2014 Honda CRV (135,000 miles) | $1,167 per year | $900 per year |
| 2015 BMW 3 Series (125,000 miles) | $1,069 per year | $1,656 per year |
| 2016 Toyota Camry (110,000 miles) | $933 per year | $804 per year |
American Dream Auto Protect vs. Omega Auto Care policies
American Dream Auto Protect only offers a deductible of $125. We couldn’t find any stipulations for varying deductibles on different makes of cars. The company also has a $20 activation fee (one-time payment) when setting up a new policy. You can get a multiple-vehicle discount if you sign up for coverage on two or more vehicles at the same time.
Omega Auto Care covers vehicles up to 15 years old with less than 250,000 miles. It allows you to choose any licensed repair facility, but repairs must be approved before work starts.
Used Stated plans cover vehicles up to 10 years old or with under 150,000 miles. Exclusionary plans apply only to vehicles up to seven years old with fewer than 100,000 miles. Powertrain plans accept vehicles less than 15 years old and under 250,000 miles. Down payments and deductibles apply.
| Benefit | American Dream Auto Protect | Omega Auto Care |
|---|---|---|
| Vehicle inspection required | | |
| Contract length | Month to month, 3 years or 5 years | Month to month |
| Quote process | Call | Online or call |
American Dream Auto Protect vs. Omega Auto Care additional benefits
In addition to coverage for mechanical failures of your vehicle's parts, American Dream Auto Protect and Omega Auto Care offer a few other benefits.
American Dream Auto Protect benefits
American Dream Auto Protect offers Elite Benefits as an exclusive package. It includes:
- Key fob replacement coverage for lost or damaged key fobs
- Tire repair and replacement services
- Collision repair discounts
- Total loss replacement assistance
Rental car reimbursement is limited to $30 per day or $150 maximum per repair. Trip interruption coverage provides up to $150 per day for up to three days when within 100 miles of your registered address.
Omega Auto Care benefits
All Omega Auto Care plans come with roadside assistance ($100 limit per occurrence), rental car reimbursement (up to $30 per day) and trip interruption protection ($75 per day, up to three days when you’re more than 100 miles from your home).
| Benefit | American Dream Auto Protect | Omega Auto Care |
|---|---|---|
| Roadside assistance | | |
| Rental car reimbursement | | |
| Trip interruption | | |
| Transferability | | |
American Dream Auto Protect vs. Omega Auto Care reviews
For an honest assessment of customer satisfaction, let's examine what actual policyholders say about American Dream Auto Protect and Omega Auto Care.
American Dream Auto Protect reviews
Customers have generally had positive experiences with American Dream Auto Protect. Some mention that the signup process was easy and that they appreciated the thoroughness of the coverage.
- “Filing a claim was much simpler than I thought it would. The radio needed to be replaced on my car. American Dream ended up replacing that and covering it. A wiring harness needed to be replaced as well. They covered that and the car rental.” — Roland from Georgia
- “I took my car for brakes and it was the easiest claim to ever submit. I picked where I wanted to take my car and took it over there. I gave them the information and they were the ones that submitted my claim to American Dream. Then they called me up and told me it was approved. It was really fast.” — Rosenda from Colorado
However, there were a few complaints about claim rejections and delays in receiving reimbursement.
- “When I used the warranty, American Dream covered majority of the cost of the repair, about 70% of it, but the rest came from my pocket. They were also supposed to give me back a refund for the rental but I never received it.” — Denis from Massachusetts
» SEE FOR YOURSELF: American Dream Auto Protect reviews
Omega Auto Care reviews
Omega Auto Care’s positive reviews reflect an appreciation for its reliable coverage, follow-through on covered repairs and great customer service.
“I needed to get something replaced and I saved some money by using them. So, that was nice. The repair was super quick. I went into the dealership and told them my car was doing this funny thing. They looked at it and said they could buy the product for me. By the time I came back, they had the product and had the car fixed, and had already gotten what they needed from Omega.” — Naomi in Michigan
“I love Omega Auto Care. The service is great. They give more than any other warranty I've seen out there. ... I had a problem with my radiator and Omega did a great job of taking care of it. The customer service was quick too.” — Leonard from Florida
Negative reviews mention frustration with denied claims, slow claims processing and poor communication.
Yvonne from Maryland complained, “When the adjuster finally contacted me almost a week later. He informed me that he needed a copy of my auto service invoices, but if I didn't have one, it would not be a problem.” However, she received another call a few days later stating she needed to provide “ALL invoices for the entire time I owned the car.”
» SEE FOR YOURSELF: Omega Auto Care reviews
Bottom line: American Dream Auto Protect or Omega Auto Care?
All things considered, what kind of driver is each provider best for?
American Dream Auto Protect is best for drivers who prioritize strong customer service and a seamless claims experience.
Omega Auto Care is best for customers seeking an extended auto warranty with multiple plan options, especially those with older vehicles.
If neither sounds like a good fit, or if you’d simply like to see more top-rated providers, check out our other picks for the best extended car warranty companies.
