Hi, we’re Toto!
We believe that every pet deserves a lifetime of love, care, and unforgettable memories. That’s why we’ve designed fully customizable dog and cat insurance plans that don’t compromise on coverage, so you never have to think twice about getting them the veterinary care they need to thrive.
What Friends of Toto have to say:
Great service made the move from another pet insurance company to Toto quick and painless. Their commitment to the customer and their love of our little guy was evident every step of the way. Feel very secure knowing Parker is well taken care of by Toto Pet Insurance. Highly Recommend!!
We are very fortunate to have found Toto Pet Insurance. Our girl Sasha went into a diabetic episode, and we had to take her to the animal hospital. Had we not had insurance, our bill would have exceeded 4K. Fortunately, our out of pocket was less than $900 because of Toto Pet Insurance. Absolutely the best pet insurance you can get. 100% recommended!
My cat became ill unexpected and had to be observed overnight at the vet’s office. The bill was not cheap—but I submitted it to Toto and received my reimbursement quickly. What a relief! I would never have anticipated issues this early on, but Toto was there when I needed them. Thank you!
We absolutely love Toto! They have really taken care of us and are always willing to help if we have questions about our coverage. We were super impressed with them when both Sasha and Calyton ended up in the emergency hospital. Highly recommended!
We are happy Toto customers and have been since the beginning. Five stars!
What do Toto pet insurance plans cover?
Every pet insurance plan comes with coverage for pre-existing conditions, nutritional supplements, and more, with no hidden fees.
Hereditary and Pre-Existing Conditions
Pre-existing and hereditary conditions are fully covered after a 365 day waiting period.
From hospitalization and surgery, to treatment for toxin ingestion, injuries, and broken bones.
Prescription Medications and Supplements
No more stress about getting your furry friend the meds they need.
Acupuncture, chiropractic care, aromatherapy and other holistic treatment options.
Blood tests, X-rays, lab work, MRIs and CT scans.
Toto supports you as you say farewell and honor your pet’s memory with grace and respect.