No, I did not get AppleCare+. My credit card has both extended warranty for 1 extra year as well as mobile device insurance for theft/loss/accidental damage for 2 years (pro-rated at 2% depreciation per month).
Check your credit card insurance policies. Here's the policy for my Amex, which covers Watches, iPads, and iPhones:
B. BENEFITS
Subject to the terms and conditions of this Certificate:
1. If your mobile device is lost or stolen, you will be reimbursed the replacement cost, not exceeding the depreciated value* of your mobile device at the date of loss, less a 10% deductible, up to a maximum of $1,000 per insured person.
2. If your mobile deviceis accidentally damaged, you will be reimbursed the lesser of its repair cost or replacement cost, not exceeding the depreciated value* of your mobile device on the date it was accidentally damaged, less a 10% deductible, to a maximum of $1,000 per insured person.
* Depreciated value of your mobile device at the date it was lost, stolen or accidentally damaged is equal to the purchase price less the depreciation cost. Depreciation cost is equal to 2% of the purchase price multiplied by the number of completed months from the date of purchase.