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Total Mobile Protection vs AppleCare

I just got a new Iphone 6 Plus and signed up for Verizon's Total Mobile Protection. I am wondering if it would also be good to get AppleCarePlus  (I understand I have to go to an Apple store to sign up for that)? Does anyone using this forum have both insurance programs? I read in an old post that AppleCare does not handle loss or accidental damage, but I see on their website that they seem to cover the latter.

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