As has been said, the eBay MBG isn’t a scam.
It is, however, very rigidly defined in its T&Cs and the application of its timeframes and its specifics.
There wouldn’t get any point in telling you that you’re covered if:
you paid by bank transfer or cash
you aren’t in good standing as defined by eBay
you bought a digitally delivered item
you arranged for a courier to pick up the item
the item wasn’t listed in a category where the MBG is offered
it’s past the 30-day timeframe for opening a dispute
seller hasn’t resolved the issue but you closed the case, or
seller hasn’t resolved the case and you haven’t asked eBay to step in, and case has now timed out.
That’s why some context or clarification might be needed to answer your question.
I’ll just add that there are some (not many, but done) instances where eBay has not covered a buyer even though they should. This may include instances of fake tracking numbers, or tracking showing delivery (but it’s the wrong tracking number / one going to a different address), etc. These are as I’ve said rare.
If you follow up with eBay CS, try always to get hold of a live supervisor rather than a bot, and be prepared to patiently and politely explain that the EDD (estimated delivery date) is already well past. Reiterate this point with the utmost courtesy as needed.
