Apple care
I have I-phone 14 pro coming in mail I wanted to Apple care on it. I tried to get it the purchase did not go through do I need until the phone arrives ?
If you did not purchase AppleCare at the time you purchased the iPhone, then yes, the iPhone must be in your possession to purchase it.
Here are details. See especially “How to buy” near the bottom.
AppleCare Products - iPhone - Apple