Bests & Worsts Reviews from Amazon

I see all these positive reviews because a representative calls you after you buy the warranty. Does that warrant giving a 5-star rating? 5-day guarantee... sounds very impressive... but here is the not so fine print... what is my recourse if they sit on it for longer than 5 days... I get back the cost of my warranty. "Our 5-day service guarantee We will reimburse OR fix and ship back your iPad within 5 business days of receiving it at the depot. If it takes longer, let us know and we'll be happy to refund the cost of your warranty." So they can sit on the repair for longer than 5 days, and then you can have the cost of your warranty back. So I buy a life insurance policy, and I die, and the company refunds my wife the premiums that I paid? That sounds like real insurance. So basically they keep all the premiums when there are no claims, and refund the "premiums" when you file a claim. Not to mention that each time they "attempt" a repair that cost comes right off the top of the total warranty liability they have. So if you purchased something for $400, you get it repaired once, they can say the cost of the repair was $300. It breaks again, or they don't fix it right, you send it in again and they say it can't be fixed so now you get back $100 remaining back $400 - $300 = $100. Or they take longer than 5 days and they give you back your premium. Doesn't sound very "square" trade to me... more like "screw" trade.