quiyst replied to your post “i decided to treat myself to a new phone.”
If you get Apple’s annual upgrade plan from them directly, it does include AppleCare+.
One of the options does. But it’s at an upped price.
You can also get it at your provider’s rate still with an upgrade every year, with the ability to purchase Applecare+ separately if wanted. (pretty sure it adds up to same price if added separately.)