Secure a lifetime of love with pet insurance.

Customize your pet insurance plan with up to 90% reimbursement, budget-friendly deductibles, and adjustable annual limits for a policy that suits your pet’s health needs and your budget.

Custom Plans, Great Coverage

Coverage for all paws and claws, including pre-existing conditions, hereditary conditions, and prescription medications.

Fast and Easy Claims

Fast and easy digital claims that are processed in under 7 days on average.

Multi-Pet Discounts

Multi-pet discounts to cover the whole fur family.

Explore Coverage

All Toto pet insurance plans have a 30-day Free Look period. If you’re not completely satisfied with your coverage in the first 30 days of your insurance plan, we’ll refund your premium 100%. No strings attached.

What is pet insurance?

Just as we protect our health with insurance for life’s unexpected moments, pet insurance offers a safety net for your beloved pet in case of accidents, illnesses, and even routine care needs.

Pet Insurance Pricing

Each month, you pay a premium, or a fixed price each month, and in return, you gain access to coverage and reimbursement for your pet’s veterinary expenses.

Your premium is calculated from these factors:


Younger pets typically don’t have as many health concerns as older pets do. We’re here to make sure well prepared for a lifetime of adventures and good health, no matter their age.

Reimbursement Percentage

Certain breeds are more prone to specific medical conditions, which is why we ask for this. Armed with our breed-specific knowledge, we set your premium at just the right level to navigate typical health obstacles.

Annual Limit

Your average annual vet expenses, plus a little extra for peace of mind. This figure represents the maximum amount Toto can reimburse you over a policy term. (Your policy and annual limit renew every 12 months.)

You have the flexibility to tailor your premium by adjusting three key options:

Your Pet’s Age

Opt for a higher deductible to enjoy lower monthly premiums. This represents the amount you’ll cover out of your own pocket before Toto begins reimbursing you.

Your Pet’s Breed

Choose a higher percentage for more substantial cash-back benefits on approved claims. This percentage signifies the portion of each veterinary bill that Toto will refund to you.

Your Location

The cost of veterinary care can vary all across the country. It usually costs more in cities versus small towns, which can impact your premium. It simply means more money back in your pocket for those pricier vet visits!

Pet Insurance Claims

Whenever your pet requires medical attention for a covered reason, simply submit a claim along with the necessary forms and invoices from your veterinarian–you don’t even have to leave the couch. Toto will promptly process your approved claim and reimburse you.

Waiting Periods

No shortcuts on introductions here! Each policy has a brief waiting period for different levels of coverage. It gives us time to get to know each other and make sure we’re a good fit for one another. You’re on the right track by locking in coverage while your pet is in good health so Toto can be there when you need us most.

Whether it’s accidents, illnesses, or even routine preventive care like supplements, Toto has got your back.

An average emergency vet bill can easily tally up to $3,500. That’s more than what you’d spend on pet insurance premiums over the course of 5 years, with an average cost of $50 per month.

When it comes to your beloved furry companion, Toto is here to provide that essential safety net, so you can give them everything they deserve and more.

Make routine veterinary exams work harder for your pet’s health with Wellness Coverage.

Routine vet check-ups and vaccinations can add up to $600 per year. That’s greater than the cost of Toto Wellness Coverage over 5 years, with coverage starting at just $16 per month. With Toto, you get cash back for all the routine stuff from vaccinations, to heartworm medication, and even exam fees.

Explore Wellness Coverage

Your pet insurance questions, answered.

What is pet insurance?

Just like humans, pets can get injured and sick without warning. The good news is that huge strides have been made in veterinary medicine, allowing our pets to often receive the same high level of care as their human companions. But those advancements have also brought higher costs, and like human medical, the need for health insurance. When your pet is covered, you’ll never have to worry about choosing between paying your rent/mortgage and giving the best medical care to the pet member of the family.

How much does pet insurance cost?

Premiums vary depending on several factors: species, breed, age of your pet and the zip code in which you live. Toto presents you with the flexibility to choose the deductible, reimbursement percentage, coverage limits, and specific features you want to include in your coverage. We make available flexible accident and illness plan selections that you can customize to fit your monthly budget. With just a few clicks, you can get a quote.

Can I still go to my current veterinarian?

Yes! You may use any licensed veterinarian in the United States or Canada. This includes emergency and specialty veterinarians, should the need arise.

Who is eligible for coverage?

Plans are available for dogs and cats of any age that reside within the US. Accident & Illness coverage is available to all dogs and cats under the age of 9 years; and an Accident Only plan is available for all dogs and cats 9 years and older. All breeds of dogs and cats are eligible for coverage.

What are pre-existing conditions?

Pre-existing conditions are illnesses or injuries, that occurred or existed before the policy effective date and during specific waiting periods. Pre-existing conditions are typically excluded by all pet insurance companies.

An annual policy renewal will not cause an approved condition to be considered pre-existing, unless there has been a gap in coverage.

Is my pet covered while we are traveling?

Yes. As long as you are traveling within the US or Canada, your pet is covered.

Not finding what you’re looking for?

Send us a message, we’d be happy to help.