That wrinkle is important though - since their repair services could be more marked up when purchased directly Thant the insurance is. Looks like that isn’t the

That wrinkle is important though - since their repair services could be more marked up when purchased directly Thant the insurance is. Looks like that isn’t the case for Apple at least for your fleet but there is no reason in general that a membership / HMO style insurance service will be more expensive than paying out of pocket.