I had DJI Refresh, never used it and it expired at Christmas. I have an additional year now with the Refresh Plus. I live in Canada and as far as I know there are no insurance companies that offer coverage like State Farm does in the US so the Refesh plan is the best and only insurance available to me.
With the DJI Refresh packages, you are covered for accidental damage for a small fee AND as long as you can recover the drone. The important thing is to be aware of the limitations before purchasing the plan. When I fly over water for example, if my drone goes down it is unlikely I’d be able to recover it and unlikely Refresh would cover me. I am aware of this and willing to take the risk.
Chris