Good Sam Extended Service Plan

I had a service plan for three years with GS. I paid $200 a year for a DP. Total of $6000.....refused a frig repair, bad cooling unit(said cooling tubes had rust on them) $1800 out of pocket to fix. They covered about $800 of expense in repairs in three years.I could have saved the money and been ahead!But some like the security of having it in case of a major engine issue.