MemberCare
reviews and complaints

The cost to fix my car was higher than the deductible. The deductible was $250, which I was okay with paying. However, this company decided to reject my claim because they said the parts were cheaper than my deductible. How can they assume they know my financial situation? I expected this to be more affordable regardless of the circumstances. They are a waste of time! Don't purchase from them!

My car's transmission failed and they told the dealership to do diagnostics that they couldn't do since it was too costly and not how they diagnosed transmission issues. MemberCare screwed me and prohibited me from getting my car repaired, were successful in making it impossible for the dealership to repair the car. I had to pay almost $7000 out of pocket to fix my car. This company is horrible, do not buy coverage from them! I have been without my car for over a month now too!

This is my experience with Member Care. If you're considering their mechanical breakdown insurance, think twice. They don't work efficiently and won't pay you. I have a 2018 *** Civic that I bought in 2021 as a used car from a *** dealer with a 5-year mechanical breakdown insurance. In Feb of this year, I refinanced and transferred the insurance to Member Care because their price was lower than ***. In April, the weather got warm and I discovered my AC wasn't working. I went to *** and they found a compressor leak. They called Member Care, but I didn't get approval right away because they had to send an inspection guy first. It should have taken two days, but it somehow took them a week (4/12/4). I had to call them every day to check the status. On 4/18, I called and found out my claim was declined. They said the compressor leak seemed like a long-term failure that started before I got their insurance. It's ridiculous because they didn't check my car when I bought the insurance. That means anything that happens to the car can be claimed as a long-term failure. In conclusion, when something happens to your car, they take a week to inspect it and claim it's a long-term failure. Customers have to pay for it themselves. I suggest saving money for car repairs and staying away from this company.

I'm kinda disappointed with this company. We used them before and they were great. But our son's car got stuck in 5th gear and only went in reverse. We had it towed to the transmission place to check it out. They found out that the cable was tangled and had to take the transmission apart to fix it. This warranty company won't pay for the labor of opening the transmission because they say it's not a transmission problem. But if they didn't open it, they couldn't have fixed the main issue with the broken cable. If there was another way, they would've done it. The warranty company will pay for labor if it's a ball bearing in the transmission or something like that. It doesn't make sense to me at all! I'm really disappointed and even though I'm not a mechanic, I can understand the common sense of this situation. We were gonna get another warranty for our daughter's car from this company, but not anymore. I won't recommend this company to anyone. Like I said, I'm not a mechanic, but I'm a nurse and I understand how a car's parts and connections work. I can't fix an aortic rupture without opening the chest, even though the chest wall isn't the problem. I don't see how they could've retrieved the cable without opening the transmission, which would've caused more damage and turned into a big transmission problem. We're really disappointed and honestly shocked that this company doesn't have common sense and logic.

I got a warranty from this company for a used vehicle. The credit union offered it and we got it. Few days after getting the car, we noticed it was having trouble. We took it to be checked and it needed repairs (which should be covered by the warranty as the papers said). They then sent an investigator to look at the car and he also agreed that it needed work. Then, a week and a half later, they contacted me to say they won't cover it. My car has been in the shop for 2 weeks and they just now called to tell me this. And they won't fix it. The warranty is a joke. They shouldn't be in business.

I bought a used car in July and financed it through my credit union, Founders FCU. I decided to get an extended warranty from Membercare, opting for the elite coverage that cost me $1654. I chose this coverage because it covers pretty much everything, including the powertrain and GPS system. The car I bought is a 2017 *** from a *** dealership, so I didn't think I would need to use the warranty for a few years.

Recently, I took my car to a *** dealership to fix a recall and investigate a noise coming from the back passenger tire. Turns out, the noise was due to the hub assembly and rear wheel bearings. *** reached out to Membercare to approve the repair, but they denied it and refused to pay. Their reason for the denial was that the hub was rusted.

Now, here's the thing. The car was originally purchased in ***, a northern state that uses road salt regularly. But I live in the south, where road salt isn't used. I regularly get my car serviced, sometimes at ***, and they never mentioned any rust issues. The rust on the car is clearly beyond my control. Despite having documentation that proves my car has been regularly serviced and that I was never informed about this rust issue, Membercare still denies my claim. It's frustrating because this rust problem existed before I even bought the car and got the extended warranty.

I bought a member care vehicle service contract when I refinanced my vehicle. A day after signing the contract, my transmission broke down. I followed all the steps mentioned in the contract and took my vehicle to a licensed repair facility. The repair facility diagnosed the issue and started a claim with the warranty company. Then, an inspector was sent by the warranty company to assess the situation. The inspector reported back to the warranty company. However, the warranty company denied the claim, stating that it was a pre-existing issue before the contract. The repair facility provided information stating that it was impossible to determine it as pre-existing. The warranty company mentioned a transmission leak, but the repair facility denied any such leak. The repair facility has provided facts and statements, but the warranty company is not considering them. They claimed to provide coverage from day one, but they are not staying true to their statement. They refuse to resolve the issue and hide behind the administrator's determination. They remain silent while these facts are presented to them. I believe they don't care about their customers and only care about money. This warranty company is a waste of time, energy, and money. Now, I am without a vehicle, and I have to spend even more money and energy dealing with this terrible warranty company.

I bought a 2012 *** Z4 with *** miles and got it on November 26. I worked with a local *** to buy MEMBERCARE driver protection because the branch recommended it. Due to the holidays and the branch employee I dealt with, I couldn't sign the necessary documents for the policy until December 7. The policy became active on December 7. On December 14, when I drove the car, I noticed a rattling noise and took it to my local *** dealership on December 18. The mileage on December 18 was ***. The mechanics inspected the car and said it needed a new Turbo. Around January 4, 2022, I filed a claim with MEMBERCARE. They sent a third-party inspector to review the car (Jan 5th Report). After the report, my service advisor informed me that MEMBERCARE wanted the *** mechanics to further dismantle the car to find the cause of the failure. The *** mechanic did the work to show the MEMBERCARE third-party inspector the failed turbocharger. I spoke to MEMBERCARE multiple times during this process, but there were many delays, and their third-party inspectors were often unavailable on scheduled days to check the car. On January 21, 2022, I contacted the service advisor at the local *** dealership, who told me that MEMBERCARE wouldn't cover any costs (including the dismantling) because the contract was too new. After receiving this information, I reached out to MEMBERCARE for more details. A supervisor told me that the turbocharger isn't covered because it's not a "catastrophic failure." The supervisor explained that since the part failed long-term and was likely defective before my policy became active, it wouldn't be covered. According to the definition of "Mechanical Breakdown or Failure" in my policy, this should be covered. I paid $2284 for this policy.