I don't know how things work for Nooks. I had a Square Trade warranty on an iPod that went bad. i contacted ST; they had me take the ipod into the nearest Apple store, who charged me $78 to replace the iPod with a refurbished one. i sent the invoice to ST, and they sent me a check for the $78.
My experience with refurbished units (several 5th gen ipods, a Kindle NT4) have all been very good;you couldn't tell them from brand new.
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