As others have said, it's an insurance policy. By definition, Apple gambles that more people will pay than claim. Statistically, you are right to say that the odds are against it being cost effective.
There is also the issue of Apple's somewhat underhand approach to warranties. I have had my rMBP repaired outside the 12mths standard warranty as products are expected to last a period of time that is proportional to it's purchase price. There are several well documented cases of Apple being found to be inappropriately selling AppleCare and fined accordingly. I live in Australia and the UK. Consumer law in both countries provides similar protection to AppleCare.
You might want to take a look at this. Just navigate to your country specific site...
Personally, I won't be getting AppleCare. I bought a max spec nMP and expect it to last at least three years. If it develops a hardware fault in that time, consumer law protects me. The only thing I get with AppleCare is techsupport!
As others have said, it may improve resale and you may not want the hassle of trying to make a claim.
There is also the issue of Apple's somewhat underhand approach to warranties. I have had my rMBP repaired outside the 12mths standard warranty as products are expected to last a period of time that is proportional to it's purchase price. There are several well documented cases of Apple being found to be inappropriately selling AppleCare and fined accordingly. I live in Australia and the UK. Consumer law in both countries provides similar protection to AppleCare.
You might want to take a look at this. Just navigate to your country specific site...
Personally, I won't be getting AppleCare. I bought a max spec nMP and expect it to last at least three years. If it develops a hardware fault in that time, consumer law protects me. The only thing I get with AppleCare is techsupport!
As others have said, it may improve resale and you may not want the hassle of trying to make a claim.