Not that you want to hear it, (but consider it advice
)but it's been my experience that purchasing extended warranties on electronics is a waste of money and time. The profit companies make on these for doing, and providing, absolutely nothing borders on criminal...As you're now finding out.
They literally bank on people not reading, researching, or asking about the "small print".
My wife bought me my 650 for Christmas and said she purchased the extended warranty as well...I almost took it back for a full refund and then a repurchase minus the warranty. She should know better! lol
Still, if you're the type, I'd fight it. Seriously. This is the kind of crap we've become to accepting of over the years. Policy is not the same as "being right".