I was a bit confused over the different extended warranty plans offered by Insta360, so here is a summary of how they work:

Standard Warranty

First, the camera comes with a one year warranty against defects. If it just doesn’t power on one day, and this was not caused by damage, that should be covered. But, if you got it wet, or dropped it, that would not be covered by warranty.

Insta360 Extended Warranty

This plan may be purchased and it will add an extra year to the standard warranty, covering the camera for 2-years. The price varies depending on the camera model. For the new X4, it is $49.99. For the X3, $45.

https://store.insta360.com/product/warranty_service

Insta360 Care (not for the X4)

This is a one-year “accidental damage” warranty. This is for covering a broken lens or cracked screen. The plan covers one repair during the one year of coverage. It is not available for the X4 — the X4 has a new plan currently just for it. This must be purchased within 15 days of activation of the camera.

https://store.insta360.com/product/care

Insta360 FlexiCare for X4

This new one-year plan is only $29.99 for the X4, and it covers accidental damage. It will cover two accidental damage incidents, but each one has a fee of $29.99 which covers shipping to and from the repair center.

https://store.insta360.com/product/flexicare-x4

Care versus FlexiCare

If you purchased FlexiCare and had to send your camera in one time during that year, it would cost you $60 ($29.99 for the plan, and $29.99 for using it that one time). This makes it more expensive than the Care plan for the X3.

BUT, the Care plan only covered one incident, so FlexiCare is basically a $90 plan for two repairs — if you use them both — or $29.99 if you don’t. That makes it a better plan if you do not ever need to use it.

Hope this helps!