Sample Policy Terms & Conditions

Below is a list of sample Terms and Conditions for our policies.


Independence American Insurance Company

Our Policy Terms & Conditions

At Toto, we believe there should be no gotchas with pet insurance. That’s why we make sample policies available before you purchase your plan.

For residents of: AR, AZ, CT, DE, GA, HI, IO, KY, LA, MD, ME, MI, MS, NA, NH, NM, NY, OH, OK, PA, SD, TE, TX, UT, VA, VT, WI, WV and WY, click here:

Accident & Illness Coverage
Accident Only Coverage

For residents of all other states not listed above, click here:

Accident & Illness Coverage
Accident Only Coverage

Please note: policy terms and conditions can vary by state. The samples available here are specimens; your actual policy terms and conditions may be specific to your state of residence at time of acquiring your Toto Pet Insurance policy.

Toto customers can access their policy documents by logging into their Customer Portal here.