Member's Choice Extended Warranty Review

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Member’s Choice offers extensive coverage options and benefits to members of participating credit unions. But is a Member’s Choice extended warranty the best choice to protect your vehicle?

In this review, we’ll dive into Member’s Choice extended warranty plans, customer service, and industry reputation, as well as parent company CUNA Mutual Group. We’ll also recommend a couple of the best extended car warranty companies who provide peace of mind when facing unexpected repairs.

Remember, it’s always smart to get pricing and plan information from multiple companies to make sure you’re getting the best deal for high-quality coverage.

Our 2021 extended auto warranty survey which polled 1,000 consumers found that 45 percent of respondents paid between $1,500 and $2,500 for a warranty plan. Extended warranty coverage can typically be paid in monthly installments versus paying one big lump sum.

Factors that will affect the price of your Member’s Choice extended warranty include:

Member’s Choice has deductible options of $0, $50, $100, and $250. The higher your deductible, the lower your premium will be, and vice versa.

All Member’s Choice extended warranty plans are transferable if you decide to sell your vehicle while it’s still under warranty, which can increase your vehicle's resale value. If you’re unsatisfied with your coverage, you can cancel your contract for a full refund within 90 days of purchase. After 90 days, plans can still be canceled at any time for a prorated refund.

Member’s Choice extended warranties come in three levels: full bumper-to-bumper exclusionary coverage, comprehensive stated-component coverage, and enhanced powertrain coverage, named Platinum, Gold, and Silver, respectively. Coverage can last up to 10 years or 125,000 miles for new and used vehicles.

The Member’s Choice Platinum plan offers exclusionary, bumper-to-bumper coverage. It covers all vehicle parts, except for exclusions that are listed on your contract. Parts that are covered include high-tech and entertainment systems, safety and security equipment, and convenience items such as your clock, compass, and illuminated vanity mirrors.

The Gold plan is a step down, offering comprehensive stated-component coverage that covers the powertrain plus advanced components such as the radiator, power window motors, fuel tank, and anti-lock brake system. It also includes an advanced hybrid and electric vehicle (EV) components.

The Silver plan is Member's Choice enhanced powertrain coverage. It covers vehicle parts and systems including:

To get a quote for a Member’s Choice extended warranty, call a local participating credit union. Most vehicles will qualify for coverage from Member’s Choice, regardless of age or mileage.

Member’s Choice boasts a “hassle-free claims process.” In the event of a breakdown, you can bring your car to any dealership or licensed repair shop in the US or Canada. Be sure to check your contract to see whether Member’s Choice will need to authorize repairs before work begins. After repairs have been completed, Member’s Choice will pay the repair facility directly, and you’ll only be responsible for your deductible.

The parent company of Member’s Choice, CUNA Mutual Group, has an A- rating from the Better Business Bureau (BBB). However, there are very few customer reviews and complaints to give insight into Member’s Choice extended warranty coverage.

Member’s Choice had received just one review on the BBB at the time of publication, in which a customer who had purchased a Gold plan felt their claim was unjustly denied and stated the Member’s Choice representatives they dealt with were rude.

CUNA Mutual Group’s AM Best Financial Strength Rating is an A. This is a positive indication that Member’s Choice will be financially capable to pay out customer extended car warranty claims.

Q & A

What is normally covered under an extended warranty?

Coverage will depend entirely upon the plan that you choose. Most third-party warranty providers offer powertrain coverage, which protects the engine, transmission, and drive axle, and bumper-to-bumper coverage, which covers most essential components from end to end.

Is an extended warranty recommended?

Extended warranties are good for those who want peace of mind when their manufacturer's warranty expires. It can save you thousands of dollars if your car suffers a mechanical breakdown.

What is a good extended warranty company?

In our review of the best extended car warranty company, we named Endurance, CARCHEX, CarShield, and autopom! as top leaders in the industry.