I bought my
Mini 2 from Costco for $440 and I am a firm believer of the Allstate Policy serviced by SquareTrade from Costco. The cost for the drone coverage would have been $49.99, same as DJI's. I have their policy on all my computers and tablets and when I cracked the screen on my S2 in the second year of coverage, I mailed it off to the Allstate service center (free shipping) on a Monday and it was back in my hands that Friday.
The policy from Costco can only be bought for items you buy from Costco, the low cost is one of the benefits of membership (like their $1.50 Foot Long Hotdog with Soda). If you want to buy a policy from Allstate directly because you bought you drone elsewhere, it will cost $89.99, no bargain there…
But if you have an issue with a DJI Drone, who from Allstate will service it, some techy who specializes in phones and tablets, or would you prefer the actual factory trained technician at DJI (their service center is in Fort Worth, TX) who actually stocks the parts?
For me, DJI's policy is the simple answer… Plus, DJI seldom actually repairs the drone under warranty, the labor cost are too high. They usually just replace it with a new one and wholesale the wrecks and repairables to the third-party market who repair and sell "refurbished" drones, check eBay for examples.
Good luck!