Coverage Transparency Guide

What's Actually Covered

A named-component breakdown of each plan so you know exactly what's protected — and what isn't — before a claim.

"Engine Covered" Doesn't Mean Every Engine Part Is Covered

Most extended warranty complaints — including those documented by the BBB — follow a similar pattern: a customer is told their "engine is covered," then files a claim for a head gasket or fuel injector and is denied. The reason is almost always the same: a covered system is not the same as all parts within that system.

Stated-component plans (like Powertrain Enhanced, and Deluxe) list the specific parts that are covered. Parts not on the list — even if they're inside the engine — are typically excluded. Only exclusionary plans (like New Car Coverage) flip the logic: they list what's NOT covered, so everything else is covered by default.

This guide shows you exactly which named components are in and out of each Athena Auto Protection plan, so you can compare plans honestly and avoid surprises at the repair shop.

Detailed plan comparison

Powertrain Enhanced is one policy including the cumulative Powertrain, Powertrain Plus, and Powertrain Enhanced contract sections. Powertrain Plus is an included contract section, not a separately sold policy.

Component / condition	Powertrain Enhanced	Deluxe Coverage	Exclusionary (New Car Coverage)
Named engine, transmission, transfer case and drive axle parts	Listed parts	Listed parts	Exclusionary terms apply; consult your actual contract
Turbocharger, supercharger and water pump	Listed	Listed	Exclusionary terms apply; consult your actual contract
A/C components	Factory-installed listed parts only	Factory-installed listed parts only	Exclusionary terms apply; consult your actual contract
Cooling fan/motor and fan clutch	Listed	Listed	Exclusionary terms apply; consult your actual contract
Radiator and coolant recovery tank	Not listed	Listed	Exclusionary terms apply; consult your actual contract
Thermostat, cooling hoses and heater hoses	Not listed	Not listed	Exclusionary terms apply; consult your actual contract
Heater core	Not listed	Listed	Exclusionary terms apply; consult your actual contract
Fuel delivery pump and fuel injection pump	Listed	Listed	Exclusionary terms apply; consult your actual contract
Fuel injectors, ECM and fuel injection sensors	Not listed	Listed	Exclusionary terms apply; consult your actual contract
Metal fuel lines, regulator, sending unit and gauge	Listed	Listed	Exclusionary terms apply; consult your actual contract
Steering, suspension and brake parts	Not listed	Only specifically enumerated parts	Exclusionary terms apply; consult your actual contract
Struts/shock absorbers; ABS module/pump	Not listed	Not listed	Exclusionary terms apply; consult your actual contract
Window motors/regulators and door-lock actuators	Listed	Listed	Exclusionary terms apply; consult your actual contract
Manually operated switches	Excludes A/C/heating and audio/video switches	Excludes A/C/heating and audio/video switches	Exclusionary terms apply; consult your actual contract
Original factory radio, main speakers, single CD/cassette player	Not listed	$300 maximum repair/replacement	Exclusionary terms apply; consult your actual contract
Leaking seals/gaskets themselves	Not covered	On covered parts; minor seepage is not a Breakdown	Exclusionary terms apply; consult your actual contract
Seals/gaskets during covered-part repair/replacement	Conditional only	See covered-part provisions	Exclusionary terms apply; consult your actual contract
Fastening hardware	Only with covered-part replacement, never as cause of failure	Only specifically listed engine bolts	Exclusionary terms apply; consult your actual contract
CV joints	Excluded if failure caused by neglected/torn/cracked/perforated boot; boots never covered	CV joints listed; excerpt does not list boots	Exclusionary terms apply; consult your actual contract
Listed hybrid components	Listed; batteries excluded	Listed; batteries excluded	Exclusionary terms apply; consult your actual contract
Maintenance benefits	Standard; contract limits apply	Standard; contract limits apply	Standard; contract limits apply

“Not listed” means not included in the supplied stated-component excerpts. It is not a claim about a different policy or an amendment to a signed contract.

Deluxe includes leaking seals and gaskets on covered parts; minor seepage is normal, not a Breakdown. Powertrain Enhanced covers seals and gaskets only with repair/replacement of covered parts, not leaking seals/gaskets themselves. Its fastening hardware is covered only with covered-part replacement, never as the cause of failure.

Deluxe and Powertrain Enhanced list hybrid transaxle, electronic transmission, inverter, generators and electronic display monitor. Batteries are excluded.

New Car Coverage has contract-specific first-year maintenance reimbursements for three oil changes with filter, cooling system maintenance, lubrication, safety inspection, windshield wipers and battery services. These allowances are not a promise of identical services or amounts on every plan. Routine maintenance and wear-item repairs, including brake pads, rotors, tires, light bulbs, belts and hoses, are not unlimited breakdown coverage.

Maintenance benefits are standard across all plans, subject to the applicable contract's limits and conditions. Limited maintenance benefits do not mean unlimited routine maintenance or wear-item repairs.

Transfer fees apply. Refer to your contract or contact the concierge for the applicable amount and transfer requirements.

Coverage is subject to the applicable contract, exclusions, limits, and claim conditions.

Powertrain Enhanced — Listed Components and Conditions

These contract-excerpt lists do not mean every component in a named system is covered. The actual contract controls.

Powertrain section — engine: Cylinder block and cylinder heads and all internally lubricated parts; turbocharger; supercharger; harmonic balancer; timing gear, chain and belt, guides, chain and belt tensioners; water pump. Seals and gaskets only when required in connection with replacement of a covered part.
Powertrain section — transmission: Transmission case and all internally lubricated parts; torque converter; valve body; flywheel/flex plate; vacuum modulator; transmission speed sensor. Seals and gaskets only when required in connection with replacement of a covered part.
Powertrain section — transfer case: Transfer case and all internally lubricated parts. Seals and gaskets only when required in connection with replacement of a covered part.
Powertrain section — drive axles: Drive axle housing and all internally lubricated parts; locking hubs; drive shafts; universal joints; constant velocity joints unless failure was caused by a neglected, torn, cracked, or perforated constant velocity joint boot. Constant velocity joint boots are not covered under any circumstances. Seals and gaskets only when required in connection with replacement of a covered part.
Powertrain section — seals, gaskets and fastening hardware: Seals and gaskets are covered only as part of repair or replacement of the above covered parts. Leaking seals and gaskets are not covered parts. Fastening hardware (including external nuts, bolts, springs and brackets) is covered only when required in connection with replacement of a covered part, never as a cause of failure.
Powertrain section — hybrid: Hybrid transaxle, electronic transmission, inverter, generator(s), and electronic display monitor. Batteries are excluded.
Included Powertrain Plus section — factory A/C: Condenser; compressor; compressor clutch; evaporator. Factory installed equipment only.
Included Powertrain Plus section — electrical: Alternator/generator; A/C blower motor; starter motor; starter solenoid; starter drive.
Powertrain Enhanced section — factory A/C: Accumulator; dryer; expansion valve; condenser fan; condenser fan motor. Factory installed equipment only.
Powertrain Enhanced section — cooling: Cooling fan; cooling fan motor; fan clutch. This is not complete cooling-system coverage: radiator, thermostat and heater core are not listed.
Powertrain Enhanced section — fuel: Fuel delivery pump; fuel injection pump; metal fuel lines; fuel pressure regulator; fuel sending unit; fuel gauge. Fuel injectors are not listed.
Powertrain Enhanced section — electrical: Horns; windshield wiper motors; windshield washer pump; power antenna motor; power window motors; window regulators; power door lock actuators; power trunk release; all manually operated switches (excluding A/C/heating and audio/video switches). This is not unlimited electronics coverage.

Deluxe Coverage — Listed Components and Conditions

These contract-excerpt lists do not mean every component in a named system is covered. The actual contract controls.

Engine: Cylinder block and cylinder heads and all internally lubricated parts; turbocharger; supercharger; harmonic balancer; timing gear, chain and belt; timing cover; intake manifolds; valve covers; oil pan; water pump; engine mounts; belt tensioners; cam gear bolt, harmonic balancer bolt and head bolts.
Transmission: Transmission case and all internally lubricated parts; torque converter; flywheel/flex plate; vacuum modulator and transmission mounts; transmission cooler; transmission oil pan; Transmission Control Module (TCM).
Transfer case: Transfer case and all internally lubricated parts.
Drive axles: Drive axle housing and all internally lubricated parts; 4X4 actuator; drive shafts; universal joints; constant velocity joints and locking hubs; center support/carrier bearings; differential cover.
A/C and heating — factory installed only: Condenser; condenser fan; condenser fan motor; compressor; compressor clutch; evaporator; compressor pulley; accumulator; dryer; expansion valve; idler pulley; A/C controls and module; heater core; blower motor; high/low cut off switch; pressure cycling switch.
Suspension: Upper and lower control arm shafts, bearings and bushings; wheel bearings; spindles; ball joints; kingpins and bushings; radius arm and bushings; stabilizer bar, arm and bushings; torsion bars; hub assembly; coil springs; leaf springs; suspension level control compressor.
Steering: Steering gear box/rack and all internally lubricated parts; power steering pump; pitman arm; idler arm; tie rod ends; drag link; steering column shaft and column couplings.
Cooling: Radiator; cooling fan; cooling fan motor; fan clutch; coolant recovery tank.
Fuel system: Fuel delivery pump; fuel injection pump; fuel injectors; fuel tank; metal fuel lines; fuel pressure regulator; fuel sending unit; fuel gauge; air control valve; engine control module (ECM); fuel injection sensors.
Brake: Master cylinder; power brake cylinder; vacuum assist booster; calipers; wheel cylinders; compensating valve; anti-lock brake sensors; hydraulic lines and fittings; parking brake actuator.
Electrical: Alternator/generator; ignition coil; horns; distributor (cap and rotor excluded); starter motor; starter solenoid; starter drive; windshield wiper motors; windshield wiper delay switch; windshield wiper linkage; windshield washer pump; power seat motor; power antenna motor; power window motors and regulators; power door lock actuators; power trunk release actuator; wiring harness; cruise control assembly; ignition lock cylinder; manually operated switches (excluding A/C/heating and audio/video switches); convertible top motor; driver information gauges (burned out light bulbs excluded). Original factory installed radio, main speaker system, and single compact disk/cassette player: maximum $300 repair or replacement cost.
Seals and gaskets: Leaking seals and gaskets on any covered part listed above. Minor loss of fluid such as seepage is normal and is not considered a Breakdown.
Hybrid: Hybrid transaxle, electronic transmission, inverter, generator(s), and electronic display monitor. Batteries are excluded.

Breakdown Exclusions and Limited Maintenance Benefits

Routine maintenance is not unlimited breakdown coverage; all plans include limited standard maintenance benefits

Brake pads and rotors (wear items)

Tires and tire repair

Wiper blades and light bulbs

Pre-existing conditions

Accident or collision damage

Flood, fire, or weather damage

Damage from misuse, neglect, or modifications

Cosmetic damage (paint, trim, upholstery)

Glass (windshield, windows)

Common Questions About What's Covered

Which coverage plans does Athena offer?

Athena offers three coverage plans: Exclusionary (New Car Coverage), Deluxe Coverage, and Powertrain Enhanced. Powertrain Enhanced is one policy including the cumulative Powertrain, Powertrain Plus, and Powertrain Enhanced contract sections. Powertrain Plus is an included contract section, not a separately sold policy.

Are maintenance benefits standard on all plans?

Are policy transfers free?

Transfer fees apply. Refer to your contract or contact the concierge for the applicable amount and transfer requirements.

How do seals and gaskets differ by policy?

Are hybrid batteries covered by these excerpts?

Deluxe and Powertrain Enhanced list hybrid transaxle, electronic transmission, inverter, generators and electronic display monitor. Batteries are excluded.

Does Powertrain Enhanced cover the radiator or fuel injectors?

Deluxe lists the radiator, cooling fan/motor, fan clutch and coolant recovery tank; its engine list includes water pump and A/C/heating list includes heater core. Powertrain Enhanced lists water pump in the base engine section and cooling fan/motor and fan clutch in its final section. Radiator, thermostat, heater core and cooling hoses are not listed in Powertrain Enhanced. Deluxe includes leaking seals and gaskets on covered parts; minor seepage is normal, not a Breakdown. Powertrain Enhanced covers seals and gaskets only with repair/replacement of covered parts, not leaking seals/gaskets themselves. Its fastening hardware is covered only with covered-part replacement, never as the cause of failure. Powertrain Enhanced includes fuel delivery pump, fuel injection pump, metal fuel lines, pressure regulator, sending unit and gauge; fuel injectors are not listed. Deluxe additionally lists fuel injectors, fuel tank, air control valve, ECM and fuel injection sensors. Coverage is limited to the enumerated parts and contract conditions, not the entire fuel system.

Related Coverage Resources

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Side-by-side plan comparison with all three tiers.

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Engine Components Explained

Why "engine covered" can still mean a denied claim.

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What's Not Covered

Full guide to universal exclusions on all plans.