Yes, I've cashed in on coverage before. It kicks in at the expiration of the original manufacturer's warranty. That is month 13 if no AppleCare is purchased and

Yes, I've cashed in on coverage before. It kicks in at the expiration of the original manufacturer's warranty. That is month 13 if no AppleCare is purchased and month 25 if AppleCare was purchased. In my specific case, they paid me on an iPhone at 23 months (when no AppleCare had been bought) and two MacBook Pros in months ~40 on which AppleCare had been bought.