I have it on my watch however, I’m still undecided whether to add to my new phone. Last year my XS Max just died, thanks to UK consumer rights, I received a replacement - no need for AppleCare. It’s a very individual choice, for myself, as a very careful individual, over the long run, I imagine I’d be well out of pocket. However, I see friends/colleagues who manage to break the screen on every phone they own. What type of person are you? Can you afford to take a one time hit on expensive repairs or, a new phone purchase? Does the new addition of theft/loss (UK) influence you? For those considering other cheaper phone insurance, does the fact that Apple are more straightforward in dealing with claims a factor? As I say, it’s a very individual choice.