All in all, Apple’s new monthly payments option makes it a lot easier to get AppleCare+ coverage for any new iPhone or Apple Watch. Considering the insanely high cost for back glass repairs on new iPhones, AppleCare+ coverage is more worth it than it ever has before.
On top of that, $4 or $5 a month more for theft and loss protection is a no-brainer for anyone with a history of losing their phones. If you’re getting AppleCare+, adding Theft and Loss is highly advisable, unless you are completely certain you won’t misplace your phone or have it stolen from your possession.
If you shelling out around or over 1k for an iPhone or indeed considering an Apple Watch, AppleCare gives a peace of mind that should the worst happen, it won’t hit as hard in the pocket.