AppleCare+ for New 16-Inch MacBook Pro Costs $399

This insurance plan costs 20% of the purchase price. Maximum payout for the insurance policy (only for 1-2 extra year) is the cost of your device - actually less since it is usually a refurbished unit, and depreciation. Comparing with other types of insurance, the premium is really high here. If the purchase price of your device is not going to break your bank, which I think it is not otherwise you wouldn’t have bought the machine in the first place, besides a so called ”peace of mind” I don’t think you should buy this insurance plan.

i know this is an unpopular opinion but the money I saved by not paying for AppleCare has saved me money that can buy me several new Apple gadgets already over the 15 years of owning Apple products. If there is any manufacturing defects from Apple, it’s their fault and they should cover it or recall the product. I’m not going to pay 20% more for a feeling.

This insurance plan costs 20% of the purchase price.

It's only 20% of the base price. If you end up specc'ing the machine higher (which many ppl do), the % decreases making it a bit better...

Also FWIW, while I'm generally a believer that getting extended warranties from most companies are not worth it, if it's ever worth it, I think it's with AppleCare+. Partially because of difficulty / cost of repairs (which others have noted). But also because in my experience, Apple and AppleCare+ differs from almost every other Company's extended warranty program, where they're trying to find a way to DENY your claim. In my experience, Apple goes out of their way for their AppleCare+ customers to find a way to APPROVE your claim. As long as you're reasonable and don't treat the Apple employee terribly / give them a reason not to help you, I've found they're extremely generous and want to find a way to approve claims.

It's not for everyone (definitely can't make a blanket statement that everyone should get it). And there are many small factors along the edges that may nudge one way or the other (% cost of new price, likelihood there might be an issue (Eg. Gen 1 of new design), total $ cost of a repair and whether that would really hurt your finances, your mental temperament and potential peace of mind / less stress of having it and knowing you're covered for a big expense, how clumsy you are, whether the device is mostly just used at home or you commute with it frequently, whether you have little kids / pets who might damage vs you live alone / all-adult household, etc.)

So much about apple silicon lowering device cost. M1 treat never comes back. Everything becomes more expensive after that.

That's not the half of it. A damaged screen costs an additional $99, liquid spill damage will cost $299 additional. Read the fine print. If the system board needs replacing from a spill, add $299 to the $399 cost of Applecare.

That's highway robbery. Ridiculous.

Never had it.

If there was a manufacturing problem, or design defect, Apple pays. I took them to court once over the Butterly Keyboard and won.

The more expensive they make these laptops, the more people say "expensive insurance is worth it" .. it's a beautiful scam.

I just had my 2015 MBP battery replaced.. for £200 in the UK. That's not bad in the 6th year of use. And it comes with a new keyboard and trackpad when they do this.