Wholesale Warranties Review (2026): Plans, Terms, Complaints
Wholesale Warranties sells RV contracts by quote. Its site lists plan types and age limits, but no contract prices or administrator. Ratings and complaints.
Wholesale Warranties sells RV extended warranties by quote. Its site lists plan types and a few eligibility limits, but no prices or term lengths for its mechanical contracts and no named administrator. Its pages show a 4.8 rating from 370 ratings and a 4.7 Google widget. Critical reviews cluster around exclusions and labor rates.
Everything below is as of October 29, 2026. For how the company stacks up against the rest of the field, see the best RV extended warranty companies roundup.
What does Wholesale Warranties sell?
Wholesale Warranties is a San Diego company that sells RV service contracts. Its Why Wholesale Warranties page says it only works with extended RV warranties “with a proven history of positive customer service and easy claims processing,” and its used-RV page says it partners with warranty companies with a proven history of paying claims. That reads as a seller and claims advocate rather than the company that pays claims, and its FAQ frames it the same way: you pass the risk, and the bill, to your warranty company.
Motorhomes get three levels: Exclusionary, Comprehensive (a listed-component plan) and Powertrain. Towables get Exclusionary and Comprehensive. Pop-up and truck campers get a single policy. Roadside assistance and tire and wheel protection are sold alongside.
| Plan | What the page says it covers | Eligibility published | Term | Deductible | Administrator named |
|---|---|---|---|---|---|
| Motorhome, Exclusionary | Mechanical components except exclusions: pre-existing conditions, regular maintenance, aesthetic and structural parts such as paint, fabric and windows | Not published | Not published | Per visit; amount not published | No |
| Motorhome, Comprehensive | Items on a list, including engine, transmission, steering, brakes, air conditioning, water system, refrigerator, electrical | Not published | Not published | Per visit; amount not published | No |
| Motorhome, Powertrain | Engine, transmission and drivetrain; not coach components, maintenance or cosmetic damage | 19 model years or newer, under 100,000 miles | Not published | Per visit; amount not published | No |
| Towable, Exclusionary | Mechanical components except exclusions: pre-existing conditions, maintenance, paint, fabrics, glass | Towables 15 model years or newer | Not published | Per visit; amount not published | No |
| Towable, Comprehensive | Listed items, including air conditioning, water system, refrigerator, electrical, deluxe appliances, power steps, leveling system, seals and gaskets | Towables 15 model years or newer | Not published | Per visit; amount not published | No |
| Pop-up and truck camper | One policy; the page lists no tiers | Not published | Not published | A small deductible; amount not published | No |
| Roadside assistance | Towing, lockout, fuel delivery, flat tire, jump start, mobile-mechanic help, trip-interruption reimbursement | Not published | $129 per year, with a savings for longer-term plans; renewable each year | Not stated | No |
| Tire and wheel | Tire and rim repair or replacement; the page says no limit and no deductible | Not published | One to eight years | None, per the page | No |
As published on wholesalewarranties.com, October 29, 2026. “Not published” means the page doesn’t say.
Across the contract plans, the FAQ adds the terms that apply to all of them: the deductible is charged per visit rather than per item, repairs need pre-authorization before work starts (“without a pre-authorization, your claim will not be covered,” in the company’s words), the plan pays the shop rather than reimbursing you, and you can cancel for a pro-rated refund based on unused time or mileage. Transfer to a private-party buyer costs a small fee. The company says there’s no waiting period, and for used rigs it sends a licensed mechanic to do a pre-warranty inspection first. The motorhome page lists consequential-damage and brown-out coverage as optional extras.
What’s missing from the mechanical contracts is the part a buyer compares: dollar prices, deductible amounts, how many years or miles a contract runs, and which company administers it. All of that arrives with the quote. Treat the quote, and the sample contract you should ask for with it, as the first real documents you’ll see.
Does Wholesale Warranties sell roadside and tire coverage too?
Yes, as separate policies. The roadside page says its 24/7 RV Roadside Assistance and RV Tech Assistance plan runs $129 per year, with a savings for longer-term plans, and covers towing, lockouts, fuel delivery, flat-tire help, jump starts, referrals to mobile mechanics and reimbursement for emergency trip interruption. The tire and wheel policy has no price on the page. It says terms run from one to eight years, that there’s no claim limit and no deductible, and that you can use any tire shop or have one come to you.
The tire page makes its case from the number of tires: it says motorhomes and travel trailers can carry up to eight, and that one major road hazard can pass the claim limit on similar policies. That’s a reasonable thing to price separately before you buy.
Who backs a Wholesale Warranties contract?
The company’s pages say its warranties are backed by A-rated insurance carriers, and its FAQ tells shoppers to check the carrier on A.M. Best and to be wary of programs offered through risk retention groups. The company’s pages don’t name a carrier, an obligor or an administrator, and they carry no license number.
One reviewer did. In a September 2023 CustomerLobby review, a Phoenix customer wrote that Wholesale Warranties sold his contract to a company called Strategic Administration, which he described as a servicing agency for the recreation vehicle industry. That’s one customer’s account of one contract, not a statement about every contract the company sells. It does show why the question matters: the administrator, not the seller, decides your claim.
Before paying, ask for the obligor, the administrator and the underwriter by name, in writing. Look up the underwriter’s rating at A.M. Best, and ask your state insurance department how to check the license of the seller and the obligor.
What do customers say about Wholesale Warranties?
| Where it shows | Rating shown | Count | Note |
|---|---|---|---|
| Google reviews widget on the company’s motorhome, towable and Why Wholesale Warranties pages | 4.7 | Not shown | Widget is labeled “powered by Google” |
| Structured data on the company’s RV warranty page | 4.8 | 370 ratings | Source of the ratings isn’t named |
| CustomerLobby | Not stated as an average | 418 reviews | First 20 shown: 15 five-star, 2 four-star, 3 one-star |
| BBB | A+, as stated by the company | Not stated | The company’s FAQ links to its BBB profile, where complaints and the company’s responses are listed |
Figures as shown on October 29, 2026.
The praise is mostly about the buying process: reps who answer questions, an easy sign-up and the inspection visit. Two CustomerLobby reviewers, in 2018 and 2021, described a denied claim that was resolved after they contacted the company, which fits the claims-advocate pitch.
The complaints are about claim outcomes, and each one is a claimant’s account, not a finding:
- September 6, 2023, CustomerLobby (Phoenix, AZ). The reviewer wrote that he paid $7,374 in November 2019 for a plan he called Total Coverage. A $1,400 slide-out hydraulic-line claim was denied because the contract excluded hoses. A later $609 repair paid $302 against a $100 deductible, which he attributed to the administrator paying labor from a labor guide rather than the shop’s rate.
- August 28, 2024, CustomerLobby (Jupiter, FL). The reviewer wrote that the company would pay for a refurbished Aqua-Hot unit but not a new one, and wouldn’t cover the core charge or shipping, and that a claim on a diesel-exhaust-fluid system was denied under policy wording he felt contradicted the sales pitch.
- The company’s own review widget. A buyer of a Gold plan, at $5,379, wrote that a throttle-body repair of roughly $1,800 wasn’t covered. The company shows this review on its own page.
What the three share is where the dispute lands: what the contract excludes, and how labor and parts are priced when a claim comes in. One adds that the sales pitch promised more than the wording delivered. Reviewers also name plans called Gold and Total Coverage, while the plan pages use Exclusionary, Comprehensive and Powertrain, so ask which tier any quote corresponds to. The company’s own disclaimer says its web summaries may not mirror the coverage you buy and that the contract controls.
Who should buy from Wholesale Warranties?
Used-rig buyers are the best fit. The company will send an inspector, and its used-RV page says the policy goes into effect without any waiting period once the inspector provides a clean bill of health. It describes its claims department as an added layer of support at the time of breakdown. Buyers who want a person to talk to and don’t mind that the details arrive by quote will find that workable. The complaints cited above are about contract wording and claim pricing, not about reaching a person.
It’s a poor fit for shoppers who want to compare contract language, deductibles and term lengths on a screen before talking to a salesperson, because the site doesn’t publish them. It’s also a poor fit for an older rig: the towable plans stop at 15 model years and the motorhome Powertrain plan at 19 model years and 100,000 miles, and the pages don’t say what applies to the other tiers.
Whether any contract makes sense for your rig is a separate question, covered in whether an RV extended warranty is worth it and what these contracts typically cost. One overlap to know about: the company’s own motorhome FAQ says roof leaks caused by weather events or physical damage may fall under comprehensive and collision insurance, not a service contract, which is the subject of does RV insurance cover water damage.
What should you ask before you sign?
Put these to the salesperson and get the answers in the contract, not on the phone:
- Which tier is this, and is it exclusionary? Send the full exclusion list.
- Who is the obligor, the administrator and the underwriter, and what is the underwriter’s A.M. Best rating?
- What deductible applies per visit, and how long and how many miles does the term run?
- What labor rate does the administrator pay: the shop’s rate, or a labor-guide figure?
- Does it pay for new parts or refurbished ones, and who pays shipping and core charges?
- Is consequential damage covered, and what does that option cost?
- What is the cancellation refund, in dollars, at month one and month twelve, and what does a transfer fee run?
- How does pre-authorization work after hours, and what happens if the shop describes the failure differently than the contract does?
Shopping for RV coverage?
Get quotes from a few providers before you decide. A service contract only pays off if it covers the failures your rig is actually prone to, at a price that beats paying out of pocket.