MasterTech Warranty Reviews And Coverage Breakdown
Find out if a MasterTech Vehicle Protection Program could be the right choice to protect your new car.
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Key Points:
- MasterTech offers five levels of extended vehicle protection that can last up to 10 years or 120,000 miles.
- MasterTech offers a range of additional coverage options, including plans that cover windshield damage, dents, key fob replacement, and damage from road hazards.
- MasterTech warranties are only available through dealerships at the time of a vehicle purchase.
When you’re purchasing a new car, there are a lot of decisions to make. One of the most important decisions can be the choice of whether or not to purchase an extended warranty. To help you navigate your options, our team reviewed the top extended car warranty companies and highlighted a few that stood out.
In this article, we’ll take an in-depth look into an extended warranty provider you may not have heard of: MasterTech. Our team gave MasterTech an overall rating of 3.7 out of 5.0, which is below the overall average rating of 4.0 among the 44 providers we reviewed.
To go ahead and get free quotes from the industry’s leading warranty companies, click below.
An extended car warranty refers to mechanical breakdown coverage offered by a vehicle manufacturer. However, this term is often mistakenly used to describe coverage from third-party companies. Independent providers offer similar protection through vehicle service contracts, but we’ve used the terms interchangeably in this article for convenience.
Summary: What We Think About MasterTech
Founded over 20 years ago, MasterTech has substantial experience in the automotive industry and offers a wide range of coverage plans and options, as well as several supplemental programs not available from other providers. While the company provides coverage to old and high-mileage vehicles, it appears its major downfall is that it is only available for purchase through dealerships–meaning you must acquire the service at the time you buy the new or pre-owned vehicle.
Our MasterTech Warranty Ratings
Here’s how our team rated MasterTech in five key categories, along with how these scores compare to our top-ranked provider, Endurance:
| Category | Our MasterTech Rating | Our Endurance Rating |
|---|---|---|
| Reliability | 3.5 | 4.6 |
| Coverage Plans | 4.4 | 4.9 |
| Pricing | 3.9 | 4.6 |
| Transparency | 3.4 | 4.9 |
| Customer Experience | 2.6 | 3.9 |
All things considered, we gave MasterTech an overall rating of 3.7 compared to 4.6 for Endurance.
MasterTech Warranty Coverage
When MasterTech says it offers a wide variety of coverage options and plans, it really means it. The company offers at least five options, and that doesn’t include its supplementary plans.
The MasterTech Vehicle Protection Plan options are as follows. Each higher tier includes everything in the lower tiers.
| Plan Name | Covered Items |
|---|---|
| Primary | Engine, transmission, and drive axles/four-wheel drive |
| Premier | Suspension, steering, electrical, brakes, air conditioning, and fuel |
| Elite | Cooling and high-tech accessories |
| Ultra | Additional non-excluded items |
| Ultra Plus | Battery, belts and hoses, brake pads, diagnostics, electrical, fluids, headlamps, related damage, spark plugs, wheel alignment, and windshield wiper blades |
All plans include additional perks such as 24/7 roadside assistance, rental car reimbursement, and emergency travel assistance. The plans also come in a variety of brand new and used car options: up to 10 years or 120,000 miles.
While vehicle service contracts can be transferred from one owner to the next the company will charge a fee for this service. (This is common among extended warranty providers, and the fee is usually around $50.)
Since coverage varies by state and plans are available through dealerships, it can be helpful to look on your local dealership’s website for more information.
MasterTech Supplementary Protection Programs
Beginning in 2019, MasterTech expanded its offerings with a large number of additional services and coverage plans for customers looking for more. We found the sheer number of coverage options for every part of your car to be one area where MasterTech stands out from other third-party providers. We’ll give an overview of the expansive menu and briefly describe each in a table below.
The MasterTech Complete Protection plans is the overall general extras package and provides customers the option to bundle some of the provider’s popular ancillary service products. The individual plans can also be purchased without a package.
MasterTech Ancillary Vehicle Complete Protection Coverage levels:
- Primary: SafeRide Motor Club enrollment and key replacement
- Premier: Primary plus windshield repair
- Elite: Premier plus dent repair
- Ultra: Elite plus road hazard protection
- Optional cosmetic wheel replacement coverage (Ultra level only)
All plans carry the MasterTech money-back guarantee, and each component offering comes in its own optional plan levels and added benefits. See the chart below for details.
| Product Name | MasterTech Coverage Options |
|---|---|
| Dent Protection | Protects against minor scratches and dents. Technicians use a paintless dent removal technique to remove blemishes without sanding or bonding. Covers up to $250 or $500. |
| Environmental Protection | Protects your vehicle (including the windshield) from damage due to environmental elements and unexpected interior damage. |
| Key Replacement | Covers a new key or key fob for up to $450 or $900. |
| Road Hazard | Covers structural and cosmetic damage to tires and wheels caused by road hazards such as debris, potholes, and curbs. |
| Windshield Protection | Protects against chips or cracks and provides windshield replacement reimbursement (could be either non-OEM or OEM replacement windshield). |
| Theft Deterrent | Provides a financial benefit of either $2,500 or $5,000 that can be applied towards replacing a stolen vehicle. |
MasterTech Vehicle Protection Program Claims Process
Repairs to your covered vehicle can be completed at any authorized repair facility in the U.S or Canada–authorized being the operative word. We found that what MasterTech really wants you to do is take your vehicle to the dealership for repair or get approval and instructions from the correct administrator if you’re not able to use that facility.
Like many extended warranty companies out there, MasterTech is backed by American Bankers Insurance Company, and its claims operate through administrators (companies that process claims and assist customers). There are different administrators for different states.
One convenient aspect of MasterTech’s process is the direct payment of claims. Authorized repair facilities are paid by an administrator via credit card right away, so you don’t have to pay up front and wait for reimbursement. MasterTech also allows customers to choose a deductible price that suits their needs. Some plans include lower deductibles when you get your repairs done at the original selling dealer.
MasterTech Customer Service
While we couldn’t find a listing for MasterTech on Better Business Bureau (BBB), we did find its administrators, all of which earn A+ ratings on the customer service ranking site. American Bankers Insurance Company, which backs MasterTech plans and operates under the trade name Assurant, also has an A+ rating from the BBB.
Cost of MasterTech Coverage
Extended warranty prices depend on several factors. MasterTech plans in particular can vary in price, as they are sold by the dealership where you purchase your car. The company will consider not only the dealership location where you purchased your vehicle, but also:
- The level of coverage you need
- The make and model of your car
- The year and mileage of your car
- Your chosen deductible amount
You can also bundle your extended warranty coverage in the purchase price of your vehicle. Now, this also means any interest rate applied to your auto loan would affect the total cost of your MasterTech warranty.
MasterTech Vehicle Protection Program: Conclusion
Overall, we found MasterTech to be a well-rounded extended warranty company worthy of consideration. If we had to give it a superlative, we’d definitely dub the company with “Most Variety of Coverage.” Its selection of policy choices is extensive and gives consumers with special areas of interest–like road hazards and environmental damage concerns–a place to get coverage tailored specifically to them.
The complicated nature of its administration team seems to not be an issue, since most customers stay in one place and will have access to the dealership where the vehicle was purchased, but that’s definitely something to discuss with your dealership when you ask about the MasterTech warranty options available to you.
Other Extended Warranty Options
When shopping for extended warranties, the best thing to do is call around and get quotes customized to your specific vehicle. That way, you can compare each company’s prices and get a feel for customer service. Get a free quote from our top three providers below:
MasterTech Warranty: FAQ
Below are a few frequently asked questions about MasterTech warranties:
Is a MasterTech warranty worth it?
Any extended warranty is worthwhile if you’re concerned about rising car repair costs or if you drive an older, high-mileage vehicle. MasterTech gives you a wide variety of coverage options as well, including protection against dents, windshield damage, and road hazards.
How long does a MasterTech warranty last?
You can choose from a variety of coverage terms with MasterTech, including plans that last up to 10 years or 120,000 miles.
How do you use a MasterTech warranty?
Basically, you just need to take your car to the dealership where you purchased it for covered repairs. If this isn’t possible, you can call your MasterTech warranty administrator for further instructions.
How We Rate Car Warranty Companies
Our review team extensively researches extended car warranty providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: Warranty providers that earn strong ratings from the Better Business Bureau (BBB), work with reliable partners and administrators, and have a long history in the warranty industry score well in this category.
- Coverage Plans: We take a close look at the coverage plans available through each provider, including how many are offered, maximum term limits, plan exclusions, and more. We also evaluate the added benefits companies include with their warranty plans, such as roadside assistance and trip interruption benefits.
- Pricing: Our team performs a secret shopper analysis for a variety of vehicles and coverage plans to get a sense of a provider’s average costs. We see how each company’s pricing, deductible options, and discount opportunities compare to competitors when determining this score.
- Transparency: We evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
- Customer Experience: We consider customer reviews and complaints from sites like the BBB and Trustpilot. Our team also reaches out to customer service reps during our secret shopper analysis to get a sense of the customer experience with each company.
