Have you guys seen this yet? Apparently ATT's mobile insurance plan for $7 a month now has a declining deductible, so if you don't make a claim within 6 months, the deductible drops to $149, and then to $99 after a year.
http://www.att.com/shopcms/media/att/2014/shop/wireless/services/MI-MPPTiered-Ded-Eligibility-Schedule-August-15-final.pdf
I think I'm going to go with this plan over AppleCare+. I like the coverage for the phone being lost or stolen, because those are situations where you can't get an OOW exchange from Apple.
http://www.att.com/shopcms/media/att/2014/shop/wireless/services/MI-MPPTiered-Ded-Eligibility-Schedule-August-15-final.pdf
I think I'm going to go with this plan over AppleCare+. I like the coverage for the phone being lost or stolen, because those are situations where you can't get an OOW exchange from Apple.