The New Face of Pet Insurance
Designed by and with pet parents (just like you) and backed by over 30 years of insurance experience, Toto Pet Insurance™ has re-imagined pet insurance with a heart. Say goodbye to more insurance than you need, gotchas, and costly add-ons. It's time to say hello to smart plans, great prices, and lots of heart. We think that's what you and your pet deserve.
Just The Right Amount Of Insurance
Toto Pet Insurance doesn't try to sell you more insurance than you need. Instead, our approach to pet insurance involved analysis, in conjunction with our carrier partner, of over 575,000 pet insurance claims and over 200,000 policies to hand-pick our custom annual limits that provide smart coverage at affordable prices. Rest easy knowing you can be covered for up to 90% of your vet bills.
Pet Insurance Coverage Without the Gotchas!
We don't believe in the usual insurance "gotchas" or surprise add-on costs. That's why all of our accident and illness plans are chock-full of benefits in one simple plan and one complete price. With Toto, you get nose-to-tail protection that can help you save thousands over your pet's lifetime. Here are the "extras" included in our plans:
* Inherited and Congenital Condition coverage only included for pets under 9 years old at time of enrollment. Final Respects coverage only included for pets under 5 years old at time of enrollment.
Smart Pet Insurance Coverage and Affordable Prices with a Personal Touch
No matter what accident and illness plan you choose, you can enjoy nose-to-tail coverage. Your plan can further be personalized with your choice of 3 deductibles and 3 reimbursement levels allowing you to design your coverage at a cost that meets your personal needs. With Toto, it's always simple, smart and affordable - with nearly any budget in mind.
Many Common Pet Accidents and Illnesses
Accidents and Illnesses
ACL Injuries
Allergies
Broken Bones
Cancer and Growths
Digestive Issues
Hip Dysplasia
Toxin Ingestion
Costly and Advanced Treatments and Services
Cancer Treatments
Emergency Care
Hospitalization
MRIs and CT Scans
Nutrition Supplements/Vitamins
Prescription Medications
Radiology and Lab Tests
Surgery
PLUS
Many Items That Some Other Plans Exclude or Charge Extra For:
Exam Fees
Alternative Therapies
Hereditary Conditions*
Final Respects*
* Hereditary and Congenital Condition coverage only included for pets under 9 years old. Final Respects coverage only included for pets under 5 years old.
OPTIONAL COVERAGE
Wellness
Dental Cleaning
Deworming
Flea/Tick Prevention
Heartworm Prevention
Microchip
Rabies Vaccine
Spay/Neuter
Vaccinations
What’s Not Covered
Anal Gland Expression
Breeding
Elective Procedures
Experimental treatments
Grooming
Nail Trims
Parasites
Pre-existing Conditions
* Coverage is restricted to Accident Only plans for pets over 9 years old at the time of enrollment. Please see details on our Accident Only plan by clicking here.
Trusted Insurance Partner
Toto Pet Insurance is issued and underwritten by one of the leading pet insurance carriers in the market - Independence American Insurance Company, a Delaware insurance company (rated A- Excellent by A.M. Best).
There When You Need Us!
Accidents and illnesses can happen at any time and we are here to help.
Visit our FAQs here, call us @ 1-888-TOTOPET or email us at Support@TotoPetInsurance.com.
For our policyholders, you get 24/7/365 access to service by logging into your
Toto Pet Insurance Customer Portal.
Toto Cares: Your Heart Is Our Heart
Pick from our selection of amazing charity partners when you join the Toto family, and we’ll make a yearly donation on your behalf.
