The New Face Of Pet Insurance

 

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.

Most Affordable
$2,500
Annual Benefits
Accident & Illness
Most Coverage
$15,000
Annual Benefits
Accident & Illness

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.

Annual Benefits

Most Affordable $2,500
Most Popular $7,500
Most Coverage $15,000

Accidents and Illnesses

Chronic Conditions

Hospitalization

Emergencies

Cancer Treatments

Diagnostic Testing

Exam Fees

Inherited and Congenital Conditions*

Alternative Therapies

Final Respects*

* 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.

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About your pet

About you

Has your pet ever been diagnosed with or shown symptoms of Diabetes, Cushing’s Disease, or FeLV/FIV?
Toto Insurance - Get instant Quote

It Couldn’t Be Easier

We keep it simple, stress-free and 100% transparent. Toto Pet Insurance is as easy as 1, 2, 3.

pet health insurance

1. Visit Any Vet

If your pet becomes ill
or injured, visit any licensed vet.

pet health insurance

2. Submit A Claim

Simply file a claim with our
online portal.

pet health insurance

3. Get Cash Back

Claims are reimbursed via ACH
or check.

Pet insurance

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