alt Hacker News>Insurance for things you can afford to replace never makes sense anyway. The expected cost of insurance will always exceed the expected cost of replacement in the long run.
Not sure about Applecare but Lenovo has support packages where if your thinkpad breaks they'll send a technician over to your place to fix it within 24 hours. That's definitely worth it for a work device IMO.
I bought this kind of insurance for my PhD (Dell laptop, same 24 hours technician on site guarantee). Although quite expensive, I don't regret it: my screen and motherboard got replaced about two years in.