I think you get something like 30 days after buying a new device to add AppleCare if you decide you want it.
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And does it last as long as you keep paying the fee? Say a 4 year old phone?
I should know better than to just blindly answer things without looking up the truth. 60 days is generous.
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Never seen the point in insuring my phone, either through some packaged account or from an insurance company.
In all these years I’ve never needed to use one. I use my phone’s generally until end of life (no more software updates), once we get to that stage, it’s new phone time.
Never damaged a phone or lost one either 
, when my Pixel 6 Pro needs a new battery, as that’ll not last the 5 years worth of software updates. I’ll just buy the Google repair kit for it and replace the battery myself.
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AppleCare aside, is anyone aware of a package bank account with mobile phone insurance not with Assurant?
I had HSBC select cover… they use Aviva for phone insurance. NatWest as well
And they’ll still send it somewhere shoddy.
Same with Apple care. My wife received refurbished replacement directly from Apple… with faulty power button
I like that way of doing it.
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Had a call from Assuarnt… in 2-3 days DPD will deliver replacement phone
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Well that’s an improvement! Aside from all the inconvenience
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It sure is but I bet they are not happy about it