US Fidelis extended warranty

[vath2001]

I contacted US Fidelis about their extended warranty. Here are my notes from the phone call:

Dave from US Fidelis called to get info about extended warranty
'98 Boxster with 65k miles

Transferred to Mike.
He offered 5 year, 100k (on top of the 65k for total of 165kmiles) with zero deductable.
$485 year for 5 years = $2425
or offered 24 payments at $95 per payment ($2280?)
800-607-8991 x 8274... he wanted $119 today to get it started and then they send out the package.
Would not send out package without a down payment first.... hmmm

So my thoughts about US Fidelis are "Why would they not send me a warranty package without money up front?" How fine in their fine print? What does zero deductable mean to them?

Anyone tried these guys? And anyone tried a claim with them?
Thanks