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A free device is available from most retailers, but not on the iPhone 13. However, if you have an older device you could save upwards of $700. If you are willing to switch carriers, you might also be able to save even more.
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.
iPhone 13 Pro and iPhone 13 Pro Max are 5G capable. iPhone 13 Pro, iPhone 13 Pro Max iPhone 13 mini, iPhone 12 mini, iPhone 12 mini and iPhone SE can also be used. AT&T, Sprint and T-Mobile are the four national wireless carriers that provide iPhone 5G service in the United States. Apple.com, the Apple Store and T-Mobile all sell iPhone models for these networks.

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AppleCare+ with Theft & Loss offers an optional device coverage program. This program combines the benefits of AppleCare+ and a Theft & Loss plan. New Hampshire Insurance Company Iowa License number 26 covers Theft and Loss and is offered in NY by Apple Inc. License number 926146. AppleCare Service Company, Inc. issued a policy covering theft and loss coverage. This policy covers all states except New York. Theft and loss insurance can be purchased separately. Please refer to the certificate of coverage for your state for complete details, which can be found at www.aigtheftandloss.com/coveragedocs.
Apple's A15 Bionic chip promises to deliver the company's most powerful mobile processor yet, with performance that surpasses any rival by over 50%.
If you're an AT&T and Verizon customer, an additional line can be added to your existing account when you buy an iPhone online.

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Within one to three months of purchase, your AT&T bill credit will be applied to the AT&T wireless account.
Apple iPhone 13 Pro and iPhone 13 Max Free of Charge
iPhone 13 Pro Price Special Deal: Price will reflect iPhone 13 Price Trade-In Credit applied over 36 Months after the trade in of an eligible smartphone. Upgrade or activation on an existing line is required. The purchase of a new iPhone 13 Pro Max, iPhone 13 Pro Max, or iPhone 13 Pro Max will require a qualifying 36-month 0% interest installment plan. Credit qualification may be required. This promotion is not applicable to AT&T Next Up Installment Plan. $0 down only for highly qualified customers. Down payment may be required. It all depends on many factors. Tax on the full retail price is due at purchase. Requires activation of eligible unlimited plan. Your credit will be removed if you cancel an eligible wireless service. You will still owe the balance. Activation/Upgrade Fee: $30. You may not trade-in a device if you have an existing installment plan. Over the 36-month payment plan, bill credits can be applied as a monthly charge. Credits begin with 3 bills. Catch-up credits will be issued once the credits are active.