Ford owners who wish to continue repair service coverage on their vehicle after the expiration of the included warranties should consider a Ford Protect Extended Service Plan. Sometimes mistakenly called “extended warranty plans,” products like the Ford Protect Extended Service Plan can help owners better plan for the financial impacts of unexpected high-cost repairs. The Ford Protect Extended Service Plan is 100% backed by the Ford Motor Company.
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Ford is careful to call its vehicle protection program what it is: A service contract plan. That’s what all of its competitors offer, too, but “extended warranty” has become a part of the language even though none of these products are extended warranties at all.
The Ford Protect Extended Service Plan takes over after the warranties that Ford includes with its vehicles have expired. Unlike some aftermarket service contract plans, Ford has been in this business for a long time. In fact, Ford has provided The Ford Protect Extended Service Plan to over 35,000,000 vehicle owners.
(*) Estimated cost examples provided by Ford. “P” indicates partial coverage of this category.
Which plan matches your needs best is up to you to decide. Your Ford Protect Extended Service Plan advisor can assist you with information on which plans are available and at what cost based on your exact vehicle. Do be aware that one of the most common reasons plan owners are later dissatisfied is that they bought a low-cost plan that later did not cover a needed repair.
PremiumCARE is the top-level of coverage offered by the Ford Protect Extended Service Plan. Ford says that this plan covers a very comprehensive list of over 1,000 components, parts, and systems in your Ford vehicle. What we like most about this plan is that it covers most systems “fully.” For example, only the Ford Protect PremiumCARE covers the Powertrain Control Module (PCM), which monitors the air/fuel mix to improve performance and fuel economy. By contrast, Ford’s other three plan options only cover partial systems. Here are the repairs that the Ford Protect Extended Service Plan as included:
Ford’s ExtraCARE protection plan covers a list of 113 components and systems. Here is an overview of some examples of the important parts this plan will cover if they require repairs. Be aware that this plan is not nearly as comprehensive as the PremiumCARE plan:
BaseCARE covers 84 components, according to Ford. Here are some of the common items you can expect to be covered:
PowertrainCARE only covers 29 components related to your engine, transmission, and power delivery systems. Here are some examples of what is included:
Car Talk phoned the Ford Protect Extended Service Plan customer service line and found the agent extremely helpful and forthcoming with information. We learned that it is much less expensive to purchase a Ford Protect Extended Service Plan before the expiration of the included Ford Powertrain warranty. We also learned that the company will not provide any quotes, or even estimates for vehicles older than 5-years or 60K miles over the phone. To obtain a price or estimate for a vehicle outside that window requires that you bring the vehicle to a Ford dealer in person. Only a Ford dealer can offer prices for older vehicles, and only in person with the vehicle present. Ford conducts a full inspection prior to offering coverage or pricing.
Our agent also told us that the longest term is variable by plan. The PremiumCARE and ExtraCARE plans expire at 11 years or 120K miles. However, the BaseCARE and PowertrainCARE plans can be purchased for vehicles with up to 125K miles. At that point, a Ford Protect Extended Service Plan can be purchased with a duration of two years or 24K additional miles.
Our agent at Ford Protect Extended Service Plan offered the following price estimates. He pointed out to us that there are three vehicle categories and that the plans are priced the same for all vehicles within a category. For example, an Edge is the same price as an Explorer or F-150. Each plan provides 5-years or 60K additional miles of coverage from the date of purchase. Each example is for a Ford vehicle with 59K miles which is about 47 months old, and a 2017 model year. Note that a $108 inspection fee applies and that sales tax may apply depending upon your particular state’s local laws. Here are price examples we were given:
(*) Sample cars have 59k miles and are around 47 months old. 2017 models.
There is no need to file a claim for reimbursement when using the Ford Protect Extended Service Plan. All one needs to do is bring their Ford vehicle to any dealer, and the plan’s terms will be applied to any appropriate repair. In the event that a breakdown occurs farther than 50 miles from a Ford dealer, the vehicle will be towed to the nearest ASE-Certified mechanic by Ford’s roadside assistance vehicle. That mechanic will be paid directly by the Ford Protect Extended Service Plan.
According to the agent we spoke to at the Ford Protect Extended Service Plan customer service line, the single most common reason a repair claim would not be covered is if the plan contract does not include the required repair. Like all such plans, a vehicle that is modified may be excluded from coverage. Your contract will have a complete list of the repairs covered. You must also maintain your vehicle according to the Ford owner’s manual and have proof that you did so. Otherwise, your plan may be invalidated.
An interesting review we read of the PremiumCARE plan at Reddit was posted by a Ford mechanic. It included, “As a tech, I hate seeing cars with premium care come in with small issues because 9/10 the part is covered. As a customer though, it does help you quite a bit.”
We found two negative 1-star reviews of the Ford Protect Extended Service Plan at the Better Business Bureau website. The first included the summary, ”It was explained to me that they denied the claim because I could not show a store receipt from when I purchased any oil or oil filters.”
The second 1-star review said, “Ford Protect Premium canceled my policy and will not fix my truck due to aftermarket parts on my front end which has nothing to do with my engine issue.” You be the judge if these owners kept their end of the bargain.
Purchasing an extended service plan is akin to paying for service up front in the hopes that you’ll manage to claim more in repairs than you paid for the plan. Car Talk created a decision tree to help shoppers understand the choice. Check out our nifty infographic.
If you’re driving a Ford year and model that has a reputation for good reliability, the chances are pretty good that you’re going to pay more for the Ford Protect Extended Service Plan than the repair costs you’d pay if you just wrote a check for it. But, if you don’t have money in the bank to cover an unexpected $3,400 repair, you’re going to wish you had signed up.
If you own a Ford that has less-than-stellar reliability, or one that is notable for expensive repairs on a regular basis, then a service contract should be a part of your purchase of that vehicle. One example might be a vehicle equipped with Ford's PowerShift dual-clutch automatic transmission. Many owners have had difficulty with this transmission. Although Ford extended the warranty on that system, a Ford Protect Extended Service Plan can protect you after it ends.
Call now 1-855-534-1173 or get an online quote
Absolutely. The plan is backed by the Ford Motor Company. Ford has provided over 35,000,000 plans.
Ford has three groups of vehicles and multiple plans. Use our guide to see your estimated price.
You simply take your vehicle to any Ford dealer, and if your plan covers the needed work you pay only the $100 deductible.
Yes, you can cancel your plan.
Many owners who would have difficulty handling an unexpected larger repair bill feel a plan is worth it.
Ford offers four plans with coverage varying from comprehensive to one that only covers 29 major components. See our full guide above for details.
The best way to get a good price is to compare offers. These are some popular options...