This is not a Bumper to Bumper type contract ( which even those do not cover everything ). The Added Care contract is not the best one available on a used vehicle ( Added Care Plus is the top of the line for used ), and it only covers what is a listed item.
Many diagnostic services ,etc. are not covered and you do have a deductible. Read your contract to review the items, and have the Dealership explain to you why certain things are not covered. Keep in mind that they only get paid for specific covered charges ,and any item other than that will be your responsibility. I hope this helps and good luck.