Years of pulling a trailer put more strain on a drivetrain than years of commuting do. A contract written with a sedan in mind may not fit a truck that tows, so the fit question belongs before you request a quote.
Who this fits
Households with a tow rig, a boat trailer, a camper, or a work trailer use a car differently from a household that only commutes. The contract should match the use, not the odometer alone.
Read the exclusions for towing
Look for towing, hitch equipment, trailer brakes, and aftermarket drivetrain parts in the exclusion or listed-parts section. If the contract names them, you know where it stops. If it does not name them, ask the company directly whether a towing-related failure would be handled as a covered repair, and ask for the answer in writing.
Match the use to the manual
Keep the owner's manual and read the towing rating for your model. A service contract does not change that rating. If your use runs above the rating, the wear and strain on the car is the larger problem, and the contract is the smaller one.
Keep the records together
Store the hitch installation record, the trailer brake service notes, and the maintenance log in one folder. When a claim is made, the company will ask for records first, and a missing record slows the claim even when the fault is clear.
Ask about the trailer load
Ask whether the company asks about load weight or how often the car tows, and whether that changes the terms at a later renewal. Get the answer on paper so it is not a memory later.
For the published table of contracts that accept higher-mileage cars, start at the front page.