Check if she has ActiveArmor set up. Go to settings and make sure “Silence Unknown Callers” isn’t enabled.

If a friend advised you to drop Apple Care, and you did, and the next day you dropped your phone and smashed the screen, you may be pissed at your friend for suggesting that you drop Apple Care. If your friend suggest that you keep Apple Care, so you do, and never need it, you may be annoyed at your friend for encouraging you to pay all that money for something you never needed. It's a decision you must make yourself. That being said, I have never taken out insurance on my phones, as we are very careful with them, use good protective cases, and have been lucky to have avoided any damage. At this point, we have saved over the years many times the cost of a new phone by not buying insurance. Should we damage or lose a phone at this point, I won't regret forking out the money to buy a new one. YMMV.