When my AHS covered A/C went out, they quoted $1345 in uncovered "upgrades". These included things like "refrigerant recovery" specifically included in the plan. They refused to budge. I ended up taking the $519 cash-out and paid $1400 to a reputable company for the repair.

A similar pattern was found when a water heater went out.

I went to the BBB and no longer trust them. They give a company a good rating if they *respond* to a complaint... even if it's an unreasonable response.

I found out later, I should have taken AHS to small claims court, but too much time has passed. These guys can't be trusted and should be avoided.