ASURION 2 Year Ride-On Protection Plan ($90 - $99.99)
✅ PROS
- Covers mechanical and electrical failures that manufacturer warranties typically exclude after 90 days
- Claims process is straightforward — file online or by phone, ship the unit back, and replacements ship within days
- Protects a $300-$800 investment for roughly 25-30% of the purchase price
❌ CONS
- Doesn't cover normal wear and tear — batteries that degrade from regular use won't qualify
- You pay shipping for the defective unit back to ASURION, which can run $40-$60 for a ride-on
- Plan must be purchased within 30 days of the ride-on's delivery date — easy to miss this window
The Verdict
The Real Question: Is Insurance for a Kid’s Toy Actually Worth It?
Here’s the thing about ride-on cars and trucks — they’re the most expensive “toy” most parents will ever buy, often landing between $300 and $800. They also take a beating: curbs, gravel, wet grass, and the occasional 40-pound kid who insists on standing on the seat. When the motor burns out six months in, you’re staring at a repair bill that could equal half the original cost — or a very disappointed child.
That’s the gap ASURION’s 2-Year Ride-On Protection Plan is designed to fill. At $90-$99.99, it’s not pocket change. But neither is replacing a Power Wheels or Peg Perego out of pocket.
What You’re Actually Getting
The plan extends your coverage to 24 months from the date of purchase, kicking in after the manufacturer’s warranty expires (typically 90 days to 1 year, depending on brand). What’s covered: mechanical and electrical failures — motors, wiring, switches, gears, chargers. What’s not: cosmetic damage, normal wear and tear, and battery degradation from regular use. That last one is worth repeating because it catches people off guard.
The claims process is refreshingly simple. File online or call, get a prepaid shipping label for the defective unit, send it back, and ASURION either repairs or replaces it. Most buyers report having a replacement in hand within 7-10 days of filing.
What Buyers Actually Say
With 225 ratings averaging 4.5 stars, the feedback skews strongly positive — but it’s not blind praise. One verified buyer described the experience bluntly: “The motor died on my son’s Jeep after 8 months. ASURION sent a replacement without a fight. I just had to ship the old one back.” Another noted, “I was skeptical but the process was painless. Filed on Tuesday, new unit arrived the following Wednesday.”
The complaints that do exist cluster around two issues. First, confusion about battery coverage — several buyers assumed the battery was included and were disappointed. Second, the cost of return shipping, which one reviewer called “a hidden fee” since you’re responsible for getting the unit back to ASURION.
Where It Falls Short
Let’s be honest about the limitations. The shipping cost on a return is real — ride-ons are heavy, and you’ll likely pay $40-$60 to send it back. That eats into the value proposition. And there’s a 30-day window from delivery to purchase the plan. Miss it, and you’re out of luck entirely.
The wear-and-tear exclusion also matters more than it might seem. Batteries are the most common failure point on ride-ons, and if your child’s battery stops holding a charge after 14 months of daily use, that’s considered normal degradation — not a covered failure.
Who Should Buy This
This plan makes the most sense for three specific buyers: parents purchasing a premium ride-on ($400+) who plan to keep it for multiple kids, gift-givers buying for a family that will use the toy heavily, and anyone purchasing a ride-on with a poor reputation for reliability (check the reviews before you buy).
It’s harder to justify for budget ride-ons under $200, where the plan cost approaches half the product’s value, or for families who expect light, occasional use.
FAQ
Does this cover the battery? Only if it fails due to a manufacturing defect. Normal capacity loss over time is not covered. If you’re concerned about battery life, consider the plan a motor-and-electrical warranty, not a battery warranty.
How long does the claims process take? Most buyers report 7-14 days from filing to receiving a replacement. You’ll need to ship the defective unit back first, and you’re responsible for that shipping cost.
Can I buy this after I’ve already owned the ride-on for a few months? No. ASURION requires the plan be purchased within 30 days of your ride-on’s delivery date. It’s a decision you need to make at purchase time.
The Verdict
Buy it if: You’re spending $300+ on a ride-on, the manufacturer warranty is 90 days or less, and your child will use it regularly. The peace of mind is worth the cost when you’re protecting a significant purchase.
Skip it if: You’re buying a budget model under $200, you’re comfortable replacing a motor yourself, or the shipping cost on a potential return would negate the value for you.
At 4.6/5, this is a solid insurance product for a category that genuinely needs it. The exclusions are clearly documented, the claims process works, and for most buyers, the $90 premium is a fair trade for not facing a $300 replacement bill when the motor inevitably gives out.
Where to Buy
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Last updated: 2026-08-06. Ratings and prices current as of review date. Verify on Amazon before purchasing.