I have had several Apple Devices, but have never bought Apple Care, or any insurance plan from the mobile provider. A one-year warranty is already provided and my credit card provider doubles that.
I'm not sure how many people know this, and certainly the mobile providers will never tell you about it, but many credit card companies like MasterCard and Visa provide an extended warranty on devices purchased with the card.
Of course, nothing is as convenient and all-encompassing as Apple Care, but I don't want to pay them an extra $100 or more per device. I decided that I can afford a replacement if a device conks out on me once in a while.