Omega Auto Care vs. Assurant

Omega Auto Care and Assurant Extended Warranty 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.

Omega Auto Care vs. Assurant Extended Warranty coverage

Plans from Omega Auto Care and Assurant Extended Warranty offer varying levels of coverage for your vehicle's parts and 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.

Assurant Extended Warranty coverage

Assurant offers four plans:

• Powertrain covers the basics, including the engine, transmission, all-wheel/four-wheel drive, forced induction, gaskets, seals and hybrid components.
• Base adds coverage for electrical systems, steering, brakes and suspension to the Powertrain plan.
• High-Tech matches the Base plan's coverage with a focus on additional systems like electrical systems, steering, brakes and suspension.
• Comprehensive provides the most coverage, including all components in the three other plans plus safety systems and electronics/technology.

We’ve broken down what’s covered under each of the companies’ plans below:

Coverage
Plan	PowertrainPowertrain PlusPowertrain EnhancedUsed StatedExclusionary	PowertrainBaseHigh-TechComprehensive
Engine systems
Engine
Transmission
Drive axle
Transfer case
Seals and gaskets
Turbocharger/supercharger
Climate and cooling
Heating system
Cooling system
Air conditioning
Essential systems
Brakes
Suspension
Steering
Fuel system
Electrical and tech
Electrical components
Navigation/GPS
High-tech components

» LEARN MORE: What does a car warranty cover?

Omega Auto Care vs. Assurant Extended Warranty 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 Omega Auto Care and Assurant Extended Warranty. 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.

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.

You can only purchase an extended auto warranty with Assurant through your vehicle’s dealership. Contact your dealer to see if coverage with Assurant is available and how much it costs.

Omega Auto Care vs. Assurant Extended Warranty policies

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.

Assurant plans don’t have limits to the number of visits or repairs you can schedule per year. However, payout limits and deductibles vary by plan. All Assurant plans have a waiting period of 30 days and are fully transferable (for an additional fee).

Benefit	Omega Auto Care	Assurant Extended Warranty
Vehicle inspection required
Contract length	Month to month	-
Quote process	Online or call	Call

Omega Auto Care vs. Assurant Extended Warranty additional benefits

In addition to coverage for mechanical failures of your vehicle's parts, Omega Auto Care and Assurant Extended Warranty offer a few other benefits.

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).

Assurant Extended Warranty benefits

All Assurant plans come with roadside assistance (up to $125 per occurrence for flat tire, towing, fuel delivery, lockout and more), rental car reimbursement ($40 for a maximum of one day) and trip interruption benefits (up to $200 while 100 miles or more from home).

If your vehicle is still covered by a manufacturer’s warranty, Assurant also offers “manufacturer’s deductible reimbursement.” This benefit covers the difference if the manufacturer’s warranty doesn’t fully cover repairs.

Benefit	Omega Auto Care	Assurant Extended Warranty
Roadside assistance
Rental car reimbursement
Trip interruption
Transferability

Omega Auto Care vs. Assurant Extended Warranty reviews

For an honest assessment of customer satisfaction, let's examine what actual policyholders say about Omega Auto Care and Assurant Extended Warranty.

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

Assurant Extended Warranty reviews

Reviews for Assurant are mixed. Most positive reviews cite efficient customer service, easy claims handling and timely responses.

• "I called Assurant, and the very nice person that I talked to knew English perfectly and was easy to communicate with. She told me I could have the transmission fixed anywhere I trusted and felt confident. The shop simply had to communicate to Assurant when the diagnosis was complete. In the end, my truck is fixed, Assurant covered 100% for the repair, and the entire process was actually easy and peaceful for me. I had a great deal of stress and tension over everything, and as it turns out, it was one of the easiest things I've done." — Carl from New York

• “Vehicle was taken in the morning with the complaint and claim was process in a very timely manner, same day. Paid my deductible and the rest the representative took care with the warranty. I was able to pick up my vehicle the very same day. Very satisfied with their response.” — Blanca from California

Assurant’s negative customer reviews mention slow claims processing, unclear denial reasons and poor communication.

• “600 of my 2100 dollar claim was paid. The rest was denied ... I requested the inspection report that was used to determine the denial and was told they don't have it.” — Brian from California

» SEE FOR YOURSELF: Assurant Extended Warranty reviews

Bottom line: Omega Auto Care or Assurant Extended Warranty?

All things considered, what kind of driver is each provider best for?

• Omega Auto Care is best for customers seeking an extended auto warranty with multiple plan options, especially those with older vehicles.

• Assurant is best for customers looking to get an extended auto warranty through a dealership when they make their vehicle purchase.

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.

Looking for an extended car warranty?READ OUR GUIDE