Sound advice from Paranoid, but I'll stick with my opinion that the greatest source of issues and complaints is NOT with the underwriter (insurer) itself. The only cases I've heard of in my 20 years here on this forum (and others) where the insurer refused payment turned out to be fraud by the selling agent. He sold the policies but did not pay the premium to the insurer. I'm not aware of any such complaints agaisnt Wholesale Warranties, but haven't researched them either.
Stamper did not mention the name of the repair service policy he is considering. Others here may have some experience with the coverages of that particular policy. Googling the policy name frequently produces a litany of complaints from disgruntled buyers, but you have to read between the line to separate the buyer misconceptions from actual problems with the policy or the claims agent.