The way the refund was explained to me was that if you didn't use the warranty, that being, you either sold or traded in the vehicle before the 3/36 was up, then you could get a refund.
I payed too darn much for my extended warranty, $995 from the dealer to up to the 5/60K warranty, they wanted $1995 for the 7/100K warranty. It definetly does pay to think of things like that before you go in and close the deal. I did get over $1000 more for my trade in than I had hoped, and a deal at MSRP with no add ons, but I did no research on how much a warranty should cost. So the dealer did get to pad his wallet even a little more than I thought he would.
Live and Learn! I really, really like my Pilot though!