Skip to main content

Hey! I Have a Question.
How Do I Sign Up?

We’re glad you asked! Below is a step-by-step overview of our enrollment process.

gray kitten waving paw

Simplifying the Pet Insurance Process for You

At Toto we love simple. That's why we've streamlined the pet insurance quote and enrollment process to make it super easy for you.


Step 1 - Begin the Quote Process Online

Hop on our Online Quote Engine to begin the quote process. Enter your pet’s information and begin to build your dog or cat’s health care policy.

Base Coverage

You start with our comprehensive base protection that covers your dog or cat for:

CompanionCare logo
  • Accident - covers problems like cuts, broken legs, swallowed objects, etc.
  • Illness - covers conditions such as stomach issues, skin allergies, infections, cancer, etc.


kitten using computer

Dial in to Your Perfect Plan

Adjust the following options to create an affordable and effective dog or cat health care plan that works for you and your pet’s specific needs.


Step 2 - Enhance My Coverage

Additional coverage options are available for comprehensive coverage and maximum protection for your dog or cat’s health.


PetInsurance Step 2

Add On Coverage

Add the following options to your plan...

  • ExamPlus - vet exam fees for a covered illness or injury
  • HereditaryPlus - inherited and congenital illnesses and related conditions
  • SupportPlus - end of life care
  • Defender - routine care, heartworm prevention, flea and tick control
  • DefenderPlus - all features of Defender, plus spay or neuter, dental cleaning and more


Step 3 - Enroll

Once you've made your dog or cat’s health care selections and are comfortable with your monthly premium, you can go ahead and enroll.

Enrollment Benefits

A few things to remember when enrolling...

  • Get Paid Fast - most claims processed within 3-4 business days
  • 30-Day Guarantee - if you’re not fully satisfied, you can cancel within 30 days and receive a full refund.*
  • Choose Your Vet - you may use any licensed veterinarian in the U.S.
  • Total Protection - coverage available for preventative and emergency care
  • *Not available in all states and only if no claims have been filed.


PetInsurance Step 3


Step 4 - You Helped Us Save Another Pet

High five! By becoming a Toto Pet Insurance policyholder, you make it possible for us to contribute to TotoCares, which helps veterinarians provide vital health care to dogs and cats in need.


jack russell giving high five

The TotoCares Community

Welcome to the community! Visit our Stories of Saved Pets page to see how your policy makes a difference with TotoCares.

stories of saved pets

See Our Coverage Options Available

Visit our Pet Insurance page to discover your coverage options.

Coverage Options

Connect with Us

Follow us on social media or subscribe to our email list.