Service Protection Direct review: denied claim 1

I received a letter from Service Protection Direct which stated that my extended warranty need to be renewed. Concerned, I called the 800 # and spoke to the "manager" Mr Ron Roberts who asked me a number of questions. First, he asked for the mileage of my car. Then, if there were any problems at the time and finally, were there any lights on the dash board to indicate a problem. I assure him that there were no problems with the car and no indicator lights on. He proceeded to tell me that with my car's high mileage I would be likely to start having BIG problems! He assured me that the only cost I would incur was the $50 deductible, if I had a problem! The insurance was quite costly @ $153.00 per month so I felt confident that I was making a good decision. I live on a fixed income, with a disabled spouse and teen daughter and with only one car, I really couldn't take the chance of having to find $ for a major repair!
WELL...I noticed that it started leaking transmission oil the beginning of May and I would not drive it once I realized that there was a problem. I called to find out the proper procedure for getting the car looked at and made an appointment with the garage that has done my maintenance since the beginning for the year, ( oil, filters, etc.) He was unfortunately very busy with two other cars and could not get me in right away. I was borrowing neighbors cars and finally decided to call the Kia dealer and have them fix it. After all, the contract stated that it was covered. What Mr. Roberts neglected to inform me was that the car problem, (transmission), needed to be broken down to the point of the break or problem and THAT was a cost they DID NOT COVER! Kia would not work with them due to their inspection guidelines and referred me to an Aamco dealer. After much waiting and phone calls back and forth trying to find out WHEN an inspector would be coming to look at the car, he finally showed up seven days from the time I HAD TO TELL AAMOCO TO dismantle the trans. In Feb. when I took out the coverage there were NO problems with my car until it started leaking trans fluid in May. So, why was I told that my claim was denied? And, why did the Aamco dealer, not Service Protection Direct have to give me the news? Because they are nothing but scam artists with all the right answers and take your $ with no intentions of providing you with any service what so ever! The inspector said that it was a pre-existing condition. I suppose that any breakage could be stated as a pre-existing condition just to get out of their contract! If my own mechanic never noticed a problem when he serviced my car, then it was not something very obvious or could be seen during a regular maintenance check up! Unless there was a problem that warranted a further look, there would be no reason TO LOOK!