Original Manufacturer's warranties only last a year and don't cover accidental damages. Apple Care, for $99 allows two repairs in two years. Most other warranty programs require proof of purchase. Have you tried to collect on your warranty? Are you still covered? Tell me your experiences!
Don't believe in insurance Protect the pad with a good case. Like you get an insurance and the they tell you , oh water, that's not included. It's stuff like that I don't like