Because Pet Insurance Needed Some Heart

 

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:

Exam Fees

Coverage for any accident or illness related vet exam fees. These fees are typically associated with every vet visit and can often add up.

Alternative Therapies

Every pet deserves the best treatment, that’s why we cover Alternative Therapies like acupuncture, chiropractic, hydrotherapy and more.

Inherited and Congenital Conditions*

Coverage for breed-specific conditions your pet may have inherited, such as heart disease, cancer and hip dysplasia.

Final Respects*

We know what it is like to lose a pet and we’ll be there for you. Coverage includes cremation, burials, urns and memorials.

* 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.

Why toto

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).

Contact Us

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.

logo animal humane societ

Logo The Street Vet

logo alley cat allies

logo paws with a cause

logo animal humane societ

Logo The Street Vet

logo alley cat allies

logo paws with a cause