Here are the previous 112 threads involving this company.
https://www.google.com/search?q=%22w...=13&gws_rd=ssl
Remember this IS NOT a warranty, it is a service contract and the corporate goal is to have more money coming in rather than going out. To meet this goal, they know every nook, cranny, and exclusion of this contract. By being a service contract they steer clear of the state insurance regulators making any complaint a civil action.
Roll through the searches and you will have way more information and in a much shorter amount of time.
If you want more info, search for "extended warranty" in the green box at the top.