DJI no doubt launched the plans to encourage sales to newbies who are understandably paranoid about crashes. However, while it covers normal operator stupidity, it doesn't protect you for lost aircraft, water damage, scratches that don't affect flight or "damage caused by flight in unsuitable flight environments," according to DJI. If the aircraft is a total loss (80 percent of parts damaged) you can use the insurance towards a replacement, though you'll get reduced compensation if the plans have less than 30 days remaining. At nearly a quarter the price of the drones, we wouldn't call the plans cheap -- but anybody who's seen how quickly one can end up as scrap metal and plastic will probably snap it up.