Depends on what manufacturer you are going with and what they offer. I was told that Canon's is very limited and not very good. So, I spent the extra $100 on a B&H warranty for 3 years, unlimited on both the body and lens. I was more afraid for the lens with the auto focus and IS, too many moving parts that could break.

If you are going to spend some coin on a camera, spend a little more to adequately protect it.