DJI CARE VS. DJI REFRESH

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Sorry if I am missing where this is discussed. I did a search and found some related conversations, but not this specific one.

I "Chatted" with DJI online about this, but was not really satisfied that the rep knew what she was talking about. Here is what it seems to be to me:

For a Phantom 4 Pro, Refresh is $149 and if you damage your drone, you pay $99 bucks for a new or refurbished one. They don't repair yours.

For DJI Care, you pay $219 (too lazy to go back and check for sure) and you get FREE repairs of your drone.

Am I correct?

Also, someone said on another thread that you can pay about $60 a year through State Farm and be all set, but in my experience, while the $60 may be accurate, you will have a $500 deductible.

Thanks!
 

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