Is buying dji extra warrenty worth it?

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I bought it mainly for one reason and that would be a failure of something critical while in flight.

I'm sure running 70mph into a tree might not be covered, but that would be my fault, but should a prop let go, the battery fry (in flight) or some other catastrophic event not really under my control, I would tend to think I was covered and can sleep better at night.

As a relatively conservative flyer (only out to a mile twice as a test) I'm hoping not to have to use the warranty at all, except for a DOA battery which they are replacing under the 6 month warranty.

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I just feel like there's a lot of restrictions. I just hate loop holes. I do think I'm more likely to use the coverage in the first yr since I'm just starting to learn the phantom 4. But 200 is steep if it's not guaranteed to fix what ever you break.. decisions decisions

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