Ok I went through this 2 months ago in a chat with a representative from Apple. You can contact Apple directly via telephone to buy regular AppleCare that you used to be able to buy within 1 yr purchasing period. It’s $250 vs $269 Plus.
I’m still on the fence about buying AppleCare so I appreciate the fact i can purchase this with 1 yr.
I don’t care about accidental damage. I’ve never spilled or crack my laptop screen in 17yrs of using laptops. I’ve never damaged the casing.
I really need to get AMEX next time I purchase electronics.