Wholesale Warranties

I am looking to buy an RV warranty as we have had some serious problems in the past with our RV and the costs can be near astronomical and devastating for us. I have read online reviews about wholesalewarranties that say they do not pay out claims but I am wondering if that is just the unusual claims.

I knew I would be RVing away from my home area and knew little about all of the working components of my home on wheels. I purchased a warranty from Wholesale Warranties in 11-2019. I invested 7,374.00 in their Total Coverage plan to cover all of the working systems in the RV. Warranties sold my contract to a company called Strategic Administration. They are a servicing agency for the recreation vehicle industry. I had a hydraulic line blow on my slide-out in Lewiston, ID. The repair bill was 1,400.00. The 7,374 I spent for Total Care Coverage covered repairs to the slide, except there was an exclusion to all hoses on the vehicle. They denied my claim. I had a hydraulic valve fail two weeks later in Canada. The bill was 609.00. I had a deductible of 100.00. They reimbursed me 302.00 because Strategic Administration uses Spader Labor Guide for paying labor charges. It doesn't matter what the shop charges for labor. They only pay from the Spader Labor guide. I had to submit the claim multiple times. My experience with Strategic Administration's customer service and claims over the last 3+ years was pathetic because I'm not their customer. Their contract favors the warranty company. You had better have every receipt and a maintenance log if you expect reimbursement on a major repair like engine, transmission etc. The Wholesale Warranty Total Coverage was the worst investment I made in my RV. I would not recommend them to anyone.