Yes, absolutely read all the terms and conditions, because you're going to need to know what's in there. Their communication sucks regarding anything BUT billing. They have no information online that you can access. It's very hard to even tell what you have for coverage, and it takes 25-30 days just to get a claim processed if there are no other issues. We are still waiting - we contacted to see if they needed more information after two weeks, and that's how we found out that yes, they do need more information. We got this through the Shelter. Don't bother - if you want pet insurance, research other companies and pick one of them.