Millions of Dogs and Cats Are Euthanized Every Year Due to Cost. Your Toto Policy Makes a Difference.
of the fees we earn goes to save dogs and cats with treatable conditions through our TotoCares Vet Fund.*
Smart, Customizable Pet Insurance for You and Your Pet's Needs
We get it. You need your payments...and fast! Most claims processed within 3-4 days.
Love your vet? We totally understand. Feel free to use any vet you like in the U.S.
If you're not fully satisfied, you can cancel within 30 days and receive a full refund.**
Receive up to 90% back for your vet bills and enjoy the benefits of unlimited annual coverage.
Opt in to our total protection with our Defender and DefenderPlus wellness and prevention coverage.
Choose the additional coverage options that makes the most sense for you and your pet.
What's the Lifetime Cost of My Breed?
Calculate the health risk of your dog or your cat as well as the average Total Lifetime Cost you can expect to pay.
Breed health cost calculator
We’re a Proud Benefit Corporation
This means that we're a company dedicated to using business as a force for good through higher standards of purpose, accountability and transparency. Our mission to save pets is just as important as any profit goals we have.