isworthit

Is AppleCare+ Worth It?

2024 data · Last updated 2026-07-05

The verdict

Worth it if you're accident-prone or buying an expensive device you'd repair rather than replace — out-of-warranty Apple repairs are steep, and AppleCare+ caps that risk. Not worth it if you use a case, are careful, and could self-insure a repair.

The trade-off

Typical cost
iPhone AppleCare+ ~$99-$199 (2 yr) or ~$9.99-$13.49/mo; + service fees ($29 screen, $99 damage)
Typical saving / return
Worth it if prone to damage: Apple official out-of-warranty iPhone screen repair runs $119-$379 by model (Pro Max highest), and full damage/other repairs run higher — often exceeding AppleCare+ cost after one incident
Breakeven
One damage claim typically pays for it; net-negative if you never damage the device

What changes the answer

  • how carefully you handle devices
  • case/screen protector use
  • resale/trade-in plans
  • self-insure alternative

Pros & cons

Pros

  • Caps costly out-of-warranty repair bills
  • Covers accidental damage (drops, spills)
  • Adds battery and technical support coverage
  • Convenient in-house Apple service
  • Worthwhile on the priciest devices

Cons

  • Per-incident service fees still apply
  • Often costs more than repairs you'd actually need
  • Overlaps with some credit-card or home-insurance coverage
  • Monthly plans can quietly add up
  • Careful users rarely claim enough to break even

Who it's for

✓ A good fit if…

  • Accident-prone users
  • Owners of high-end iPhones, Macs, or Vision Pro
  • People without savings for a surprise repair

✗ Probably not if…

  • Careful users who use a case and screen protector
  • People who could self-insure a repair
  • Those already covered by a card or insurer

What people are actually asking

Real Reddit discussions on whether AppleCare+ is worth it — titles link to the original threads.

FAQ

Is AppleCare+ worth it?

It's worth it if you're accident-prone or own an expensive device where a single out-of-warranty repair costs a large share of the price. If you're careful, use a case, and could cover a repair yourself, you'll likely pay more in premiums than you claim.

Sources