You are a FOOL for rating square-trade five stars.
Basically you're saying you BOUGHT a warranty with the hope that you Could make a claim and take advantage of it ... and WHEN you had an Issue you send it in & Square Trade basically decided it would be more cost efficient for them to refund you the cost of the warranty RATHER than Fixing the problem.
Are you Kidding me? Are you that foolish?!
You basically paid squaretrade for a service -- and when the time came to take advantage of that prepaid service they just backed out and forfeited the Revenue they got from you so they don't have to provide ANY repair.