Hello,
I've had three good experiences with XCare claims for my 2016 Model S 90D.
My MCU1 screen started leaking sticky liquid. Instead of just replacing the MCU1 screen, I wanted to be reimbursed for the cost of a MCU1 screen (less the $100 deductible) and then self-pay for the remainder of the cost of a MCU2 upgrade. I worried that XCare might rigidly require me to actually replace the MCU1 screen. Instead, they were completely understanding and simply mailed me a check for the cost of a new MCU1 screen, allowing me to go ahead with the (very worthwhile!) MCU2 upgrade. I appreciated their reasonableness and flexibility.
One day, with suspension "Very High" and steering at full lock, "Bang!" Front control arm broke. No hassles with repair and reimbursement.
Two weeks ago, driver door handle would present, but not open. Repair uneventful, and reimbursement simple and straightforward.
While the Tesla Service Centers were not interested in communicating directly with XCare, my requests to add detail to the Tesla estimate/invoice if and as requested by XCare were complied with, and that information was sufficient for XCare to reimburse.
Whether or not my claims ever exceed the cost of the XCare contract, I derive value from the peace of mind that I can keep my car in good shape without sweating a cash crunch.
Would definitely purchase again.
John Cutter