I have both, but honestly believe Personal Articles Policy is better coverage, and at this point in time, more cost effective.|
If I understand correctly, and would like to be corrected if wrong, DJI Care Refresh costs $99. If you crash and are able to recover the aircraft to send in, you pay another $79 for a replacement (likely a refurbished unit, but I don't have anything against refurbished - as long as it goes through the QA process the same as new). If you crash again, the 2nd is another $129. So you pay $99+$79 for first pilot error. Add another $129 if you are a really bad pilot.
With PAP, you pay the premium (usually around $60 depending on state) and register the item (SN and receipt is all that my agent required). If I lose the AC, its stolen, damaged beyond the value to repair, State Farm cuts a check for the original value.
There will be some that will advise against filing a claim, and that it will affect premiums. I don't disagree that claims for a PAP "may" hit a database (LexusNexus or some such), but doubt it will have much impact on premiums for your homeowners or auto unless you are likely to change insurance providers. Even then, can't believe it would be a greater hit than the value of your Mavic.
So math. First pilot error, $178 for replacement. Second pilot error would be a total of $307 (adding $129 for the 2nd error) in costs to keep you flying a Mavic. PAP is approximately $60 (or less) and my understanding is that you could make 2 claims in a year before being dropped/denied. This last statement I am making is purely what I have read somewhere from another poster's research and has not been confirmed or even tried by any Mavic pilot.
I would certainly like to hear from others if I mis-stated anything.
Hope this helps. I went overboard and got both with the intention I never need it..........