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Obvi vs GuardTree

Thursday, September 28th

2023 Canadian Car Warranty Reviews

Obvi Review 4.5 Star Rating


4.5 Star Rating
  • "A+" and accredited by the BBB
  • Only available for vehicles in British Columbia, Alberta, Saskatchewan and Manitoba
  • No inspection required for vehicles that still have a comprehensive manufacturer's warranty
  • Can see any mechanic you prefer
  • Available for most vehicles up to 10 years old and under 200,000 km
  • 2 plans to choose from
  • $100 deductible per claim

Obvi covers vehicles in British Columbia, Alberta, Saskatchewan and Manitoba up to 10 years old and under 200,000 km. You'll find that their two car warranty plans are some of the most affordable on the market, while providing genuinely comprehensive coverage. You can get a quote emailed to you almost instantly. While Obvi will need to expand its coverage area to more territories and provinces to reach higher in our rankings, this is our preferred provider of auto warranty coverage in the provinces where Obvi is available.

GuardTree Review 4 Star Rating


4 Star Rating
  • "A-" rated by the BBB
  • Monthly premiums instead of a large one-time payment
  • Premiums range from $49.95-$79.95 per month
  • Part of the monthly fees offsets your carbon monoxide emissions
  • Can use any licensed mechanic
  • Deductibles of $100 or $250 per claim
  • Claim limits of $2500 or $5000 per repair
  • Roadside assistance, car rental, and trip interruption benefits
  • Vehicles used in ridesharing eligible for coverage
  • Only available in Ontario

Monthly premiums instead of a big one-time payment? Carbon offsets with every payment? You can get all of this and more with GuardTree - as long as you live in Ontario (for now). Started in late 2020, this car warranty provider shows promise and will likely become one of the best options on the market, once it's available throughout more of Canada. You'll want to keep an eye on GuardTree, especially if you use your car for ridesharing or meal delivery.

The 6 Best Canadian Car Warranties

Where is the Best Place to Get a Car Warranty Plan in Canada?

If you're buying a new car, you might be offered an extended warranty plan that kicks in after the factory warranty expires. Or, if you're purchasing a pre-owned vehicle, an extended warranty may be your smartest financial move to help offset the cost of repairs that you know will be necessary sooner or later.

Are they worth the money? Absolutely! We all know the frustration of having something major go wrong right when the manufacturer's coverage expires - or, worse, just a few days after driving that "as-is" car off the used car lot! However, buying your extended warranty directly from the dealer is often not the best option: they charge high mark-ups and might not offer the most comprehensive coverage or the widest network of mechanics to choose from. Fortunately, there are several reputable auto warranty companies in Canada that provide excellent coverage at competitive prices.

The Best Canadian Car Warranties Compare Canadian Car Warranties Compare Canadian Car Warranty Reviews What are the best Canadian Car Warranties Best Canadian Car Warranty Reviews

Canadian Car Warranty FAQ

There are lots of companies offering warranty coverage for your car. They work very similarly to health insurance: you'll pay more for higher coverage, some things are covered and some aren't, and your policy will have a time limit. You can shop around for auto warranty plans just like insurance, too: you don't have to go with the plans offered at the dealership.
That depends on your car and your coverage. On a new vehicle, you might pay $25/month for bumper-to-bumper coverage, but an older vehicle's premium could be three times that. You can usually pay in full or monthly, with no difference in total cost.
The cost of your auto warranty will never be cheaper than when your car is new. But, you'll want to read the terms of your plan very carefully. While warranty plans at the dealership usually start from the time the manufacturer's warranty runs out, third-party plans often start from the date you purchase them. That could mean you're paying twice for the same coverage.
Probably. Each provider sets the limit for coverage, but there are options for cars with up to 150,000 miles! Most auto warranty plans are available for cars that are 20 years old or newer.
YES! The most important part of choosing an auto warranty plan is knowing what's covered and what isn't! Even comprehensive plans don't cover items with normal wear-and-tear, like brake pads and tires. The most user-friendly plans usually give you a list of what isn't covered - and if it's not on that list, it's covered!
Sometimes, but it's usually limited to the first 30 days after the purchase date. Again, be sure to read the terms of your auto warranty plan very carefully, to avoid any unpleasant surprises when you go to use your policy for the first time.
Almost all plans let you use the mechanic of your choice. Some providers will reduce your deductible if you go to one of their network partners.
Despite all of the annoying spam phone calls you've gotten, desperately trying to contact you about the expiring warranty on your car, auto warranty plans are a real thing. And, when you choose a plan from a reputable provider, you can save thousands of dollars on car repairs.
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Continued from above...

What's included in your extended warranty plan? That depends on the provider and the tier of service you select. Much like car insurance, these plans can cover just the major systems like the powertrain, or comprehensive bumper-to-bumper protection for everything but normal wear and tear. (In other words, they'll fix your in-dash electronics if they go out but they won't pay for your new brakes or tires.)

As you compare the different Canadian companies offering car warranty plans, how can you tell which one should get your business? Here are several factors to help you make your decision:

  • Price. What will you pay for your auto warranty coverage? Is it a one-time lump sum or a monthly payment? How long will you pay for it before it kicks in (i.e. if you're buying a new vehicle that has a manufacturer's warranty in place for a year or longer)?
  • Coverage. This is the most important aspect of any car warranty. Be sure you understand exactly what's covered and what isn't. Choose a plan that gives you the most coverage for what you can afford.
  • Service. What steps are required to get repairs made? Do you have to see an in-network mechanic or can you take your car to the repair shop of your choice? Will you pay for the repairs out-of-pocket and submit receipts for reimbursement, or will the warranty company pay the mechanic directly?
  • Reputation. What do other customers say about their experience with the car warranty? Are claims paid quickly and without a hassle? Does the provider have a good reputation with customers and mechanics alike?

TopConsumerReviews.com has reviewed and ranked the best choices for car warranty plans in Canada. We hope this information helps you choose the right plan for your vehicle, giving you the peace of mind that comes from knowing you're covered when something breaks!

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