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AppleCare+ protects you against accidental damage for up to 2 incidents per year. AppleCare+ includes theft and loss coverage. Every incident is subjected either to a deductible or a fee. Taxes may be applicable. Find My must be enabled for theft and loss coverage. You must keep Find My enabled. Your iPhone should also be associated to your Apple ID throughout any loss or theft investigation. Disabling Find My will invalidate all coverage for theft or loss. AppleCare+ With Theft and Loss is not required in order to participate the iPhone Upgrade Program.
Camera-wise there are key lens and software updates that now enable a new cinematic mode'. This is basically a super handy suite of tools that allows for easy depth filtering, Dolby Vision support, and video capture. Apple claims that they can increase the battery life of their devices by offering a handy battery upgrade, as well as a variety of software upgrades that will improve battery life.
You can buy an iPhone from Apple online by adding a line to an existing account if your are an AT&T/Verizon customer.