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pretty sure when I bought the refresh package in 2019 they still required you send the "corpse" to get a replacement

They added flyaway coverage it seems. It's a little pricey but I can understand why - https://www.theverge.com/2021/1/26/22251294/dji-mavic-air-mi...

This is correct - they'll ship you a replacement when you report the loss but you still have to return the casualty.