Cats are mysterious—their future doesn’t have to be.

Toto cat insurance plans leave nothing hidden at the bottom of the bowl. No hidden fees means more catnip and toys to chase.

Pre-Existing Conditions

After a waiting period of 365 days, we’ve got you covered for any health issues your kitty had before joining the Toto family.

Quick and Easy Claims

On average, covered claims are processed and paid out in less than 7 days. Take a cat nap while you wait–you’ve earned it!

Love for the Whole Fur Family

Enjoy a 5% multi-pet discount–that’s coverage for all your kittens, adult cats, senior cats, and everything in between!

All Toto cat 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 yarn strings attached

Begin your pet’s coverage today:

How does cat insurance work?

Submit claims and get paid:

Visit Any Vet

Yes, really—anywhere in the U.S. or Canada!

Snap and Submit

Grab a photo of your vet bill or invoice and upload it using our online portal.

Enjoy the Love, Not the Wait

While you’re busy with head scratches, your reimbursement is on its way to your bank account in under 7 days on average (via direct deposit).

Your budget. Your plan.

Here are three ways you can customize an affordable plan for your cat:

Deductible

Lower your premium by choosing a higher deductible. Your deductible is the amount you pay out of pocket before Toto starts paying you.

Reimbursement

A higher percentage means more cash back. Your reimbursement is the percentage of each claim you’ll be paid back.

Annual Limit

How much you can be paid back within your coverage year. Most cat parents find $5,000 to be plenty, but there are options for all your pet’s health needs!

Create Your Plan

What does a Toto cat insurance plan cover?

Think of your Toto plan like cat health insurance. It’s not just there to cover life’s surprises, but to also make daily pet care a breeze.

All Toto plans include:

Emergency Vet Care

From hospitalization and surgery, to treatment for toxin ingestion, injuries, and broken bones.

Cancer Treatment

Chemotherapy, radiation, and surgery so you can focus on snuggles, not struggles.

Diagnostics

Including blood tests, X-rays, lab work, MRIs and CT scans, so you can explore every avenue of care.

Prescription Medications

No more stress about getting your furry friend the meds they need.

Hereditary Conditions and Pre-Existing Conditions

We know things like kidney disease and UTIs are a common worry, which is why they’re commonly covered in all Toto plans.

Supplements

To help your cat feel like their most purr-inducing self.

Is cat insurance worth it?

Curiosity shouldn’t break the bank. With cat health insurance from Toto, you can ensure your feline is feeling fine without worrying about the cost. See a Toto plan in action:

Picture this: you have a lovely garden full of beautiful lilies, until your feline friend makes a snack out of them. You’d drop everything to rush them to the vet for emergency care, no questions asked, right? Toto is here to make sure you don’t think twice about the vet bill, either.

Cost without Toto

$3,400.00

Cost with Toto Pet Insurance*:

$680.00

*Calculations based on an average Toto policy of 80% reimbursement with a satisfied $250 deductible.

Wellness Coverage for Careful Cats

Make regular check-ups the cat’s meow with optional Wellness Coverage. Annual vet care costs can pounce on your budget. Cat parents spend more than $300 on average each year on preventive care.

With Toto cat insurance and wellness coverage, regular check-ups become cash back with up to 90% reimbursement on routine care like vaccines, flea prevention, and more.