Are Transmission Repairs Covered Under an Extended Warranty?

The answer? It depends on the type of coverage you have. Let’s break it down so you can understand what’s typically included, what to look out for, and how to protect yourself from one of the priciest repairs out there.

What Counts as an “Extended Warranty”?

First, a quick clarification: When most people say "extended warranty," they’re actually referring to a Vehicle Service Contract (VSC)—a protection plan that picks up where your manufacturer’s warranty leaves off. These contracts vary depending on the provider, plan type, and the age and mileage of your vehicle.

The term “extended warranty” is often used casually, but understanding the coverage details is key—especially when it comes to something as major as the transmission.

Are Transmissions Usually Covered?

In most cases, yes—transmission repairs are covered under many extended warranty or VSC plans, especially those that include powertrain or full-coverage options.

Common transmission components that are typically covered:

• Internal gears and shafts

• Torque converter

• Transmission case

• Clutch components (for automatics and manuals)

• Valve body and solenoids

• Seals and gaskets (depending on the provider)

However, coverage may not apply if the failure is caused by:

• Damage from misuse

• Pre-existing conditions

• Wear items that fall outside the contract

That’s why reading the fine print and choosing a reputable provider is so important.

What Type of Plan Do You Need to Get Coverage?

If you're looking to ensure your transmission is protected, here’s what to look for:

• Powertrain Plans – These are the most basic and often the most affordable. They specifically cover the engine and transmission (sometimes drive axles too).

• Mid-Level Coverage – These plans may expand beyond just powertrain but still keep costs low by focusing on key systems.

• Exclusionary or Comprehensive Coverage – These top-tier plans cover nearly everything on your vehicle, with only a short list of exclusions. Ideal if you want peace of mind across the board.

Not all plans are created equal—so be sure the one you choose explicitly lists the transmission as covered or includes it under “powertrain components.”

How to Avoid Transmission Repair Surprises

Even if your plan covers transmission repairs, there are a few things you can do to prevent unnecessary issues—or worse, denials:

• Keep up with fluid changes – Transmission fluid degrades over time and causes major issues if ignored.

• Service your car at reputable shops – Poor repairs or skipped inspections can lead to preventable problems.

• Save your service records – Most VSC providers require proof of maintenance when processing a claim.

• Know your deductible – Understand how much you’ll owe before coverage kicks in, so you’re not caught off guard.

How Cuvrd Helps You Stay Protected

At Cuvrd, we believe that transparency and trust should come standard with your coverage. Our Vehicle Service Contracts include powertrain coverage designed to protect major systems like the engine and transmission, and our tech-first platform ensures you know exactly what’s covered—without the guesswork.

Here’s what makes Cuvrd different:

• No aggressive sales tactics – We don’t do cold calls or pushy upsells.

• Clear, easy-to-understand contracts – You’ll know exactly what’s included when you get your plan through Cuvrd.

• Coverage that fits your lifestyle – Whether you drive a commuter sedan or a weekend SUV, we’ve got a plan that makes sense.

• Fair pricing, no hidden fees – You’re getting dealership-quality protection at a fraction of the cost.

With Cuvrd, your transmission—and your wallet—are in good hands.