Air Modo insurance experience.

[SkyPath Productions]

Has anyone had experience filing a claim with AirModo? Any experience in general? Looking to move to this insurance for drone flights.

 

[Mavy3-CJW]

Excellent question. I recently inquired about this via ChatGPT, as I have no direct experience with AirModo. Here's what it returned:

Credibility & Underwriting​

• AirModo’s app policies (hourly or annual) are underwritten by USAIG, a reputable aviation insurer with a long history matricepilots.com+15autelpilots.com+15matricepilots.com+15.
• They emphasize fully in-app claims service rather than relying on third-party brokers .

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User Reviews & Claims Feedback​

Unfortunately, I couldn’t find any direct user reviews detailing actual claims submissions or payouts. Here's what came through:

• In Reddit discussions (e.g., r/drones, r/Multicopter), users are actively evaluating AirModo against alternatives like SkyWatch but note:
  
  

  “AirModo is seemingly cheaper but I can't find much to give me confidence.” reddit.com
  “VERY bummed … Looks solid aside from the fact I can't cancel pre-booked hourly plans.” matricepilots.com+5reddit.com+5reddit.com+5

• Community forum posts (like the DJI Mavic forums) have asked:
  
  

  “Has anyone had experience with AirModo after you need to file a claim?”
  AirModo reps responded that claims are handled by USAIG and referred users to their claims philosophy—but no follow‑up posts confirmed actual claims payouts autelpilots.com+14mavicpilots.com+14commercialdronepilots.com+14reddit.com+15matricepilots.com+15commercialdronepilots.com+15.

 

[Felix le Chat]

Hi SkyPath Productions,

Regarding the post from Keri in this thread, AirModo has no record of this person purchasing a policy from us. They continue to issue defamatory statements and threats against us for no reason. This user sent our business an email asking for a monthly payment plan and when we advised that we don't offer this, we were attacked with profanity and threats of defaming our name online.

In order to help folks better understand who we are. AirModo is a mobile app that is wholly owned by United States Aviation Underwriters, Inc (aka USAIG). Our company was founded in 1928 and is owned by General Reinsurance (Berkshire Hathaway). The AirModo app sells drone specific insurance policies issued by USAIG. I encourage your to look at our website for more info or reach out with any questions.

Glad you responded (and are currently online). I have a question concerning existing policies and new issues of cover for DJI products. How will the inclusion of Chinese drone manufacturers: DJI and Autel on the 'covered list' affect claims on existing policies?

 

[AirModo - Drone Insurance]

Glad you responded (and are currently online). I have a question concerning existing policies and new issues of cover for DJI products. How will the inclusion of Chinese drone manufacturers: DJI and Autel on the 'covered list' affect claims on existing policies?

Hi Felix le Chat. Thats a great question! We will continue to insure existing policies covering DJI and Autel products. Newly issued policies will cover previously authorized drones listed in our mobile app as it stands now. FCC regulations and the "covered list" are not part of our insurance language. Hope that helps.

 

[moldorf]

sure looks like this is for commercial pilots

recreational pilots, if they are cautious; and smart, probably don't need any liability coverage. Just damage and loss

 

[AirModo - Drone Insurance]

sure looks like this is for commercial pilots

recreational pilots, if they are cautious; and smart, probably don't need any liability coverage. Just damage and loss

Hi moldorf,

We have both commercial and recreational pilots purchasing policies. Commercial users have full access to both hourly and annual policies up to $25M in liability limit. Recreational users can only buy up to $2M hourly.

Unfortunately, recreational pilots can hit someone or something just as much, if not more, than a commercial 107 pilot who is licensed and fly daily. In today's legal landscape, settlements and jury verdicts are quite large and can stretch into the millions of dollars quickly. Our policies provide defense coverage outside of the liability limit you purchase so insureds should feel confident knowing their limit of coverage isn't affected by attorney fees eating away at their coverage.

 

[GadgetGuy]

Hi moldorf,

We have both commercial and recreational pilots purchasing policies. Commercial users have full access to both hourly and annual policies up to $25M in liability limit. Recreational users can only buy up to $2M hourly.

Unfortunately, recreational pilots can hit someone or something just as much, if not more, than a commercial 107 pilot who is licensed and fly daily. In today's legal landscape, settlements and jury verdicts are quite large and can stretch into the millions of dollars quickly. Our policies provide defense coverage outside of the liability limit you purchase so insureds should feel confident knowing their limit of coverage isn't affected by attorney fees eating away at their coverage.

Are you really 97 years old, as your profile states? LOL!

So there is no cheaper option for "drone only" insurance for recreational pilots, like a personal articles insurance policy, without also paying for your minimum amount of liability coverage?

State Farm's Personal Articles Policy is unfortunately not available in at least two states, so viable alternatives are being sought with no DJI Care Refresh option available anymore in the U.S..

 

[Starz]

recreational pilots can hit someone or something just as much, if not more, than a commercial 107 pilot who is licensed and fly daily

Interesting distinction. So, recreational pilots, because they aren’t “licensed”pose a greater risk and don’t fly “daily”?