To answer the original topic, no, there is no catch. You get to use the equipment for as long as you subscribe to DISH basic programming. If you cancel service, you must send it back.
The Digital Home Protection Plan is $5.99 per month on top of whichever package you go with.
The standard DHA plan without purchasing the additional protection gives you a lifteime warranty on the equipment. If something happens, you pay $24.99 shipping to have a replacement sent out to you, and that includes the shipping of your defective equipment back to DISH. If you need a service call where someone has to come to your house, there will be a $99 charge.
If you purchase the DHPP for $5.99, you get free shipping both ways on mail in service. If someone has to come to your house, you pay a discounted service call rate of $29.99.
If you're dead set on not helping your local businesses and local economy, and must use a certificate, you can get one from this site's store,
www.dishstore.net. I believe they only charge $39.99 for the certificate anyway. That way, you would at least be helping fund this site.