Endurance Warranty Services – Waste of money/dissapointing

I just used my endurance warranty for the first time...what a joke and waste of money. If I could rate a zero I would.
First let me say if you have a high end vehicle they will pay less then 50 percent of the repair cost. I'll explain
1, They will not pay for OEM parts. So Audi/BMW/Mercedes/Lexus if you go to a repair that uses OEM parts Endurance paid40percent of the parts cost. The kicker to this is when the cheap parts they want you to use fail, they wont replace them.
2. They pay some average rate that once again is 50 percent of a dealer rate
3. If you have multiple parts in a system that break and one part caused the others to break they will only pay for one part. Which is total BS
If you use dealerships and have a high end vehicle this warranty is useless. Very DISSAPOINTED