i went with square trade. it is $129 for 3 years. and i believe i have $999 of covered repairs.
but i might also have 4 accidental claims
the cost of a screen replacement for iPhones are 109, 129 or 149, with 149 being the cost for a 6s+
if you have a screen only claim with square trade, the deductible is $0
i dropped my 6s+
i opened a claim
i went to the apple store and made an appointment for the repair
it was $149 plus tax
i submitted my receipt to square trade and within 24 hours the entire $149 plus tax was sent to my paypal
if you damage anything more then a screen, then they charge you that $75/$79 deductible.
with iPads, every screen repair is a swap out, so the deductible would apply, if your going to get apple care or square trade anything, make sure you get it on your ipad
in order to qualify for square trades $0 deductible on screen repairs you must have it repaired at the genius bar
the downside of square trade is that you don't get free apple care phone support.