I didn't get it, because with my 5 iPods, 3 iPhones and 3 Macs that I've owned over 10 years of buying Apple stuff, I've had a problem with 1 iPod (an iPod photo which's HDD died after about 3 years) and 1 Mac (a Powerbook which needed the trackpad replaced within the first year).
I've never bought an extended warranty, and had I, would have never used it.
Applecare+ is $99 plus $49 for a replacement = $148. It's $229 for a replacement without Applecare. If I ruin this phone, the $81 excess I'll be paying will still leave me way ahead than if I had bought Applecare over the years.
I'll just take my chances, and if I do ruin this phone and need a new one, I'll put it in an otterbox.