Every Dog and Cat Deserves Pet Insurance:
Your pet included.
Veterinary medicine, like everything else, has gotten more expensive. Having pet insurance allows you to make the best care decisions for your pet, with less worry about the cost.
Every Dog and Cat Deserves Pet Insurance:
Your pet included.
Veterinary medicine, like everything else, has gotten more expensive. Having pet insurance allows your pet to get the best care that they deserve and you can afford.
Smart Coverage, Great Prices, Lots of Heart
Our approach to pet insurance doesn't try to sell you more insurance than you need. In conjunction with Independence American Insurance Company, we analyzed over 575,000 veterinary visit claims and over 200,000 policies. The annual limits we offer we feel best represent the needs for pet parents just like you. Toto Pet Insurance, in conjunction with Independence American Insurance Company, presents 3 smart plans and affordable plan options - and that's how we define our heart. We care about your pet and your budget.
Pet Health Insurance Without The Gotchas!
Get coverage for accidents and illnesses and a whole lot more with all 3 of our plan options. Our plans are chock-full of benefits that many others charge extra for.
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Annual Benefits |
Most Affordable
$2,500
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Most Popular
$5,000
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Most Coverage
Unlimited
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Accidents and Illnesses |
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Chronic Conditions |
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Hospitalization |
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Emergencies |
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Cancer Treatments |
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Diagnostic Testing |
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Exam Fees |
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Inherited and Congenital Conditions* |
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Alternative Therapies |
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Final Respects* |
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* Inherited and Congenital Condition coverage only included for pets under 9 years old at time of enrollment. Final Respects coverage only included for pets under 5 years old at time of enrollment.
Many Common Pet Accidents and Illnesses
Accidents and Illnesses
ACL Injuries
Allergies
Broken Bones
Cancer and Growths
Digestive Issues
Hip Dysplasia
Toxin Ingestion
Costly and Advanced Treatments and Services
Cancer Treatments
Emergency Care
Hospitalization
MRIs and CT Scans
Nutrition Supplements/Vitamins
Prescription Medications
Radiology and Lab Tests
Surgery
PLUS
Many Items That Some Other Plans Exclude or Charge Extra For:
Exam Fees
Alternative Therapies
Hereditary Conditions*
Final Respects*
* Hereditary and Congenital Condition coverage only included for pets under 9 years old. Final Respects coverage only included for pets under 5 years old.
OPTIONAL COVERAGE
Wellness
Dental Cleaning
Deworming
Flea/Tick Prevention
Heartworm Prevention
Microchip
Rabies Vaccine
Spay/Neuter
Vaccinations
What’s Not Covered
Anal Gland Expression
Breeding
Elective Procedures
Experimental treatments
Grooming
Nail Trims
Parasites
Pre-existing Conditions
* Coverage is restricted to Accident Only plans for pets over 9 years old at the time of enrollment. Please see details on our Accident Only plan by clicking here.
Plans Starting At A $1 A Day
See how affordable coverage from Toto Pet Insurance can be by completing the form below.
About your pet
It Couldn’t Be Easier
We keep it simple, stress-free and 100% transparent. Toto Pet Insurance is as easy as 1, 2, 3.
1. Visit Any Vet
If your pet becomes ill
or injured, visit any licensed vet.
2. Submit A Claim
Simply file a claim with our
online portal.
3. Get Cash Back
Claims are reimbursed via ACH
or check.
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