As I have said they have repaired and replaced my
P4P and MM many times over before using the 2 care. But you have to see how you go. If you find it is not worth it then don't do it. I find it's excellent value based on my experience to date. If it changes then I will stop paying for it. But all insurance policies are designed for them to make a profit.
I have everything insured. That way I don't have to worry about things. House, car, holiday, personal stuff even my income from my job before I retired. I do lose out on holiday insurance but I don't mind. But my personal insurance and DJI care have been worth it, many times over. As always it depends on your own personal experience and needs.