Apple care is worth it. While I love Apple I have had the worst luck. Had a Mac Mini that I didn't buy AppleCare for. 14 months later the Logic Board died as was just about the price of a new one. I got the new Mac Mini with AppleCare and 15 months later its Logic Board died as well.. Bought a 2011 MBP with in the first year Logic Board died, Now this would have been covered anyway since it was within the first year but after that over the 2 years after the initial warranty ended I had 1 Fan, the GPU, MagSafe connector, SuperDrive and monitor all die. But all covered by AppleCare. I have had an iPhone die but covered by AppleCare, and don't get me started on my G4 Tower repairs. I think really the only thing I bought AppleCare for but did not use was my iPad.
AppleCare on Mac's gives you two additional years and you can wait till the 11 month to buy it. Just as long as you get it before the first year runs out. On top of the Tech and Phone support you get, if you plan to sell it before the 3 year mark it increase the resale value as people will be willing to pay more for something that's insured.
Please note my experience is rare, I've never know anyone to have such issues with their Apple products like I have. And for what comes out two be $10.42 a month for those extra two years, its more than worth it to get it for Mac's.