I can just imagine your frustration @angiemitchell, and thank you gor the warning, I'm sure it's the same all over the world!
Although I had a pleasant experience, something we didn't know when our geyser (water heater/ hot water tank) burst, was that it had a 5 year warranty. Our plumber came out & gave us the good news, we did not have to claim from our insurance!
They came the day we reported it and installed a new geyser! There was a little glitch as a connector pulled out when they put the cover on, but they were back early the following day to resolve it!
But I'll not ever pay extra for appliance warranties after hearing about your experience!