You know, I feel for you. When I bought my VX, I paid for the extended warranty, something like an additional $4000 on my loan. I went home, whipped out the magnifying glass and read ALLLLLLL the fine print. The next day I called the dealer back and told them to cancel my warranty (I had 30 days to review it). Basically, I think most of these warranty deals are a scam. Like you are finding out, if even one little thing doesn't meet their 'requirements', you are S.O.L. Sorry to hear this.
Bart