VERIFY: CarShield page: insurer behind the Canadian Repair Shield contract, the provinces it is written in, and claim currency are still unconfirmed — a call to 888-874-8333 or the full contract PDF. Everything else on this page was re-verified against the live site Sep 9 2026.
Who is CarShield, and what does its Canadian website actually say?
CarShield is a Missouri-based marketer of vehicle service contracts that are administered by American Auto Shield, its Colorado affiliate; its Canadian site is a version of its American one.
CarShield (NRRM, LLC) is one of the largest advertisers of "extended car warranties" in the United States. It does not write the contracts itself: its disclaimer states that contracts are administered by American Auto Shield, LLC, "a CarShield company," at an address in Lakewood, Colorado, and that CarShield does not offer coverage in California. Its website says its administrators have paid over a billion dollars in claims and that it has served customers for more than twenty years.
It now also operates carshield.ca, presented as "Canada's #1 Auto Protection Provider." When we read that site on September 9, 2026, the quote form asked for a ZIP code with no province field at all, offered coverage "up to 300K miles," and carried the same Colorado administrator, Florida company code and California exclusion as the American site. Even the "How did you hear about us?" list — radio, SiriusXM, TV, podcast, direct mail — describes American media buys, and the support address on every page is a carshield.com one.
But there is a Canadian contract, and it is worth knowing whose name is on it. The same site publishes two Canada-specific sample policies, "Canadian Repair Shield Diamond New Car" and "Canadian Repair Shield Enhanced Power Train." Both open with a different company from the one in the marketing: Canadian Repair Shield, LLC, 2 Robert Speck Parkway, Suite 750, Mississauga, Ontario L4Z 1H8, 888-874-8333. In the contract's own words, it is the ADMINISTRATOR that "agrees to pay for the repair or replacement of COVERED PARTS." So a Canadian-addressed entity does stand behind the Canadian product, which is more than the advertising alone would tell you.
What the published contract does not settle, and what we could not establish from the site: which insurer backs that contract and whether it is licensed in your province, which provinces Canadian Repair Shield writes in, whether the contract is governed by provincial law, and in what currency a claim is paid. Those are the questions in the table below, and they are worth asking before you pay rather than after.
None of that makes the product bad. It makes the product American in origin, with a Canadian contracting entity attached — and it means the burden of finding out how it works in your province still falls on you.
What did the US regulator find?
In July 2024, CarShield and American Auto Shield agreed to pay US$10 million to settle Federal Trade Commission charges that their advertising and telemarketing were deceptive.
The FTC alleged that advertisements promising customers would "never pay for expensive car repairs again" were misleading because many repairs, and some advertised benefits such as rental cars, were not in fact covered, and that many purchasers found their claims denied. The companies settled without admitting the allegations; the order restricted their future advertising and endorsements. In December 2025 the FTC mailed about 168,000 refund cheques totalling more than US$9.6 million to people who had paid for a CarShield contract between September 2019 and September 2024 and had a claim denied.
We mention this because it is public record and because it illustrates the single most important thing about any extended warranty from any company: the advertising is not the contract. The exclusion list and the per-claim limit are the contract. Read those before you pay anyone — including us.
Want a Canadian written quote to compare against whatever CarShield tells you? Year, make, model, kilometres — options within a business day, honoured for seven days.
Get My Free QuoteThe questions to ask before buying any American vehicle service contract in Canada
Ask these of CarShield, ask them of us, ask them of anyone. The answers should be in writing.
| Ask | Why it matters |
|---|---|
| Who is the obligor — the company legally responsible for paying claims on my contract? | Not always the company in the advertising. CarShield's own Canadian sample policies name Canadian Repair Shield, LLC in Mississauga, while the site's disclaimer names American Auto Shield in Colorado. You want the company on your contract, and the country whose courts you would be in if a claim is refused. |
| Which insurer backs the contract, and is it licensed in my province? | Several provinces require third-party warranties to be backed by a licensed insurer. An unbacked contract is only as good as the company's bank account. |
| In what currency are claims paid, and how is a Canadian shop paid? | A claim approved in US dollars and reimbursed to you weeks later is a very different product from one paid to the shop directly in Canadian dollars. |
| Is the contract governed by the law of my province? | It determines your consumer-protection rights and where a dispute is heard. |
| What are the per-claim and total limits, and is coverage exclusionary or named-component? | This is where the price difference between two quotes usually hides. See how to choose. |
| What is excluded, and is there a waiting period? | Every program excludes pre-existing conditions. The rest of the exclusion list is what separates a good contract from a disappointing one. |
| Can I cancel, and on what terms? | Reputable programs allow cancellation with a pro-rated refund. |
What the Canadian version of this product looks like
Insurer-backed programs administered in Canada, honoured at any licensed repair facility in the country, with the administrator paying the shop directly in Canadian dollars.
The Canadian market has its own established administrators and its own rules. The programs we quote are Canadian: the claims administrator is here, the backing insurer is licensed here, the contract is governed by provincial law, the price is quoted plus tax, and the shop is paid directly on most plans. Coverage is honoured at any licensed repair facility in Canada — your own mechanic included — with a flat deductible per repair visit. That is the product most Canadians who search for CarShield are actually looking for: coverage on a used vehicle, without going back to a dealership, at a price they can compare.
If you have a CarShield quote in hand, we are happy to put a Canadian written quote beside it. The comparison is the point. Related: Endurance in Canada · how the Canadian companies differ · what coverage costs here.
Common questions
Is CarShield available in Canada?
In one specific sense, yes: carshield.ca publishes two Canada-specific sample policies — "Canadian Repair Shield Diamond New Car" and "Canadian Repair Shield Enhanced Power Train" — and both name Canadian Repair Shield, LLC, 2 Robert Speck Parkway, Suite 750, Mississauga, Ontario, as the company agreeing to pay for covered repairs. That is a different company from the American Auto Shield of Lakewood, Colorado named in the same site's disclaimer. The quote form on that site still asks for a ZIP code and quotes mileage in miles. Before buying, get written confirmation of which insurer backs the contract and whether it is licensed in your province, which provinces the contract is written in, and how claims are paid to a Canadian shop.
Is CarShield legitimate?
It is a large, long-established American vehicle service contract marketer. In July 2024 CarShield and its administrator agreed to pay US$10 million to settle US Federal Trade Commission charges that their advertising and telemarketing were deceptive; the FTC later mailed refunds to customers whose claims had been denied. That is a matter of public record, not an accusation from us. Read any contract's exclusions and per-claim limits before you pay for it — CarShield's or anyone else's, ours included.
What is the Canadian equivalent of CarShield?
Extended warranties (vehicle service contracts) administered in Canada and backed by insurers licensed here, honoured at any licensed repair facility in Canada, with claims paid in Canadian dollars to the shop. Several Canadian companies sell them directly, and quote services like ours compare several programs in one written quote.
Why do I see CarShield ads if I'm in Canada?
Because you watch American television, listen to US radio or streaming, and visit US websites, all of which carry CarShield's advertising. The ads are not evidence that a contract is designed for, or valid in, your province — that is a separate question, and one worth asking directly.
In automotive finance and insurance since 2018 — insurance offices and dealerships both — and with Auto Warranty Experts since we started. Based in British Columbia, working with customers across Canada, and at her best deep in a contract comparison on something unusual, specialty or high-value, where the fine print decides everything. "I think you should know what you're protecting and why. Once you've got the right protection in place, it's much easier to enjoy your vehicle and not worry about what might come up." Dream car: a '69 Porsche 911. About the team →
Published September 5, 2026 · Last reviewed September 9, 2026. Prices are quotes plus tax, not guarantees; coverage details are confirmed in your written contract.