Visions (not sure if it exists outside BC) is pretty nice in that if you don't need to use your extended warranty you can apply the cost of it as credit towards a purchase once it's done.Yeah seriously, it's just ymmv on these things. Your tv breaks and you didn't buy warranty, you feel like a chump.
Buy warranty, tv doesn't break, feel like a chump.
http://www.visions.ca/pages/moneybackextendedserviceplans/default.aspx
They also beat prices by 15% of the difference instead of 10%.