Monthly Vehicle Protection
Subscription Service ContractRepair coverage you pay for month to month
Cover the repair bills that come after your factory warranty ends, for one monthly payment and no long term contract. Get a live price for your car, truck, SUV or RV online.
The quote opens on our partner Arkay's secure quote page in a new tab.
Updated October 5, 2026
A subscription service contract is repair coverage for your vehicle that you pay for month to month instead of all at once. WeCoverUSA offers it through our partner Arkay Auto Warranty. You choose a $100 or $250 deductible, use any repair shop in the USA, and get roadside assistance, towing and rental reimbursement, with no long term contract.
What the monthly plan includes
The plan picks up where the factory warranty leaves off, so a failed part does not turn into a surprise bill.
Month to month
Pay one month at a time with no long term contract to sign.
Coverage from day one
Arkay states coverage starts on the first day of your plan.
Your choice of shop
Take your vehicle to the dealership or repair shop you choose, anywhere in the country.
Roadside and towing
Roadside assistance and towing are included on auto plans.
Rental and trip help
Rental car reimbursement and trip interruption reimbursement while your vehicle is in the shop.
No mileage cap
Drive as much as you need. Arkay lists unlimited mileage while you are covered.
Who qualifies
Eligibility is based on your vehicle's age and mileage on the day you sign up.
| Vehicle | Age at signup | Miles at signup |
|---|---|---|
| Cars, trucks and SUVs | Up to 12 years old | Up to 200,000 miles |
| RVs | Up to 10 years old | Up to 90,000 miles |
Where it is available. The subscription plan is not offered in California, and RV plans are not offered in Washington.
Monthly plan or a traditional service contract?
WeCoverUSA offers both. The right one depends on whether you are buying a vehicle at a dealership today or protecting one you already own.
| Question | Subscription plan | Traditional service contract |
|---|---|---|
| How you pay | Month to month | One set price, often included in your financing |
| Contract length | No long term contract | A fixed term, out to 96 months on qualifying units |
| Deductible | Your choice of $100 or $250 | Set by the plan: $0, $25 disappearing, or $50 disappearing |
| Where you get it | Online, any time, with a live quote | At the dealership when you buy |
| Best fit | A vehicle you already own | A vehicle or unit you are buying now |
Plan features, eligibility limits and state availability are as published by Arkay Auto Warranty, checked October 5, 2026. Deductible and term details come from WeCoverUSA plan information. Your contract governs.
How to get covered
Open the live quote
Enter your vehicle on Arkay's secure quote page.
Review your price
See your monthly payment and pick the deductible that fits your budget.
Enroll and drive
Finish online, or call us first if you want someone to walk you through it.
See your monthly price
It takes no commitment to look. Enter your vehicle and get a live quote for your car, truck, SUV or RV.
Get My Live QuoteCommon questions
What is a subscription service contract?
It is repair coverage for your vehicle that you pay for month to month instead of all at once. When a covered part fails after the manufacturer warranty ends, the plan pays for the repair, minus your deductible. WeCoverUSA offers it through our partner Arkay Auto Warranty.
Is this the same as an extended warranty?
People often call it that, but it is technically a vehicle service contract, not a manufacturer warranty. Your contract lists exactly which parts and repairs are covered.
Which deductible should I choose?
You can choose a $100 or $250 deductible. A higher deductible usually means a lower monthly payment. If you are not sure which fits you, call us at 855 293 2683 and we will help you compare.
Is my vehicle eligible?
Cars, trucks and SUVs qualify up to 12 years old and 200,000 miles at the time you sign up. RVs qualify up to 10 years old and 90,000 miles. The plan is not available in California, and RV plans are not available in Washington.
Can I cancel?
The plan runs month to month with no long term contract. The exact cancellation terms are written in your contract, and we are glad to walk you through them before you enroll.
Does it cover motorcycles, boats, golf carts or equipment?
The subscription plan is built for cars, trucks, SUVs and RVs. For powersports, marine, golf cart and equipment coverage, ask your dealer about WeCoverUSA protection when you buy.
Who do I call with questions?
Call WeCoverUSA at 855 293 2683, Monday through Friday, 8AM to 5PM Central, or email sales@wecoverusa.com.
Who stands behind the plan
WeCoverUSA is an independent F&I administrator that works with dealers in all 50 states. We offer this subscription plan through our partner Arkay Auto Warranty, so you can protect a vehicle you already own without going back to a dealership. When things go wrong, count on us to do what is right.
Selling vehicles or equipment? WeCoverUSA builds protection programs for powersports, marine, RV, golf cart, agriculture and equipment dealers.
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