You have a choice. You can purchase AppleCare+ within 60 days of purchase, or rely on what somebody tells you on the telephone, assuming that they tell you what you want to hear, and wait a year.
In my view, not a hard decision.
I purchased AppleCare+ a couple of days ago at day 50 from purchase. It's good until 9 January 2022 and, at US$99, will cost me 9 cents per day.