We also have Warranty Experts, and one of the selling points was the "refund if not used clause."
Haven't had to use them so can't say about their claim service.
Did do some research prior to purchase and found most were happy with them. They are also one of the few that have no BBB complaints (at least at the time I looked).
Everybody has to be good at something.....I just happen to be a good bad example.