Funny you should mention the prorated refund topic. I actually just purchased my second Fidelity 6yr/60k plan. Backstory is that my original Fidelity 6yr/60k that I purchased in 2015 is coming up on its 5th year and instead of risking waiting for it to expire and then purchasing a new 6yr/60k, I went ahead and just purchased another 6yr/60k and will be applying for a pro-rated refund of my original 6yr/60k. And yes regardless of having made claims you are still eligible for a pro-rated refund
I'm really happy because I love my 2009 V8 and now it will be covered out through 2025! I probably didn't have to do it the way I did but I was a bit nervous that my car wouldn't be eligible due to age if I had waited the full 6yrs.