I've called and talked to 3 different CSR guys at Best Buy and 1 supervisor over the last month or so. They have all told me that I was "lucky to get 2 months worth of refunds". I even had the supervisor escalate my complaint to corporate.
To be honest I'm not sure if it is technically "insurance" or not. When I looked into it more closely it is part of the Geek Squad protection plan which I guess is all in-house. Whether or not that means the same thing from a legal perspective I don't know.
I agree that I should have cancelled, and I certainly deserve some blame here. I just can't accept being charged for a service that was not provided to me. Especially when I've been a loyal customer there for years, and the Customer Service Reps can actually trace and see in there system where I:
1: traded in my old phone that I bought through them, that had the protection plan through them
2: Bought a new phone from them
3: Bought new insurance.
When they pulled up my account and basically repeated these events to me I asked why can't you give me a full refund. The response is just "it's against policy".
I'm not normally one to complain, but it just seems unreasonable to me for them to not give a full refund when they can so clearly see each of the events that took place in their store.
Personally I think it's unethical and bad for a customer relationship. Especially considering my "Silver" status with them.
Thanks for all the advice. I'm happy to know that I'm not totally off base in being upset with this. I'm mailing out my written complaint to them tomorrow. I will give them a chance to respond before contacting the BBB or other consumer protection agencies.

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