AppleInsider:

AppleCare+, Apple’s warranty add-on service to help manage the cost of accidental damage, received some changes as part of the introduction of the iPhone XS and the Apple Watch Series 4. AppleInsider explains what has been altered, and why you should consider paying for the extra cover.

AppleCare, like most insurance, is a bit of a crapshoot. This is a good piece that may help you decide whether or not to get it.