Toto Pet Insurance Plans Comparisons

One of the things that makes Toto different is their simplified approach to the plans they offer and the extra benefits that are automatically included for one complete price. In contrast, some of the more well-known players in the pet insurance industry appear to be focused on plans with unlimited annual benefits (which drive up cost), or complex reimbursement schedules, costly add-ons and upsell options, and high monthly premiums.

Toto plans provide broad, benefit-rich coverage for accidents and illnesses, with smart annual limits and no lifetime cap on benefit limits. In addition, the plans include coverage for exam fees, alternative therapies, hereditary conditions and final respects—items that other pet insurance providers often charge extra for or exclude from coverage. (Coverage for hereditary conditions and final respects not available for all pets; see Toto Coverage Details section below for exclusions.)

Choose from three straightforward plans with three customization options for the deductible and reimbursement percentage of each plan. Choose the coverage that’s most appropriate for your dog or cat, while not paying for more coverage than you need. Premiums vary based on breed, age of pet, zip code, and the customization options selected. Toto plans are available for all breeds of dogs and cats that reside in most U.S. states and pet owners can use any licensed veterinarian of their choice.

Toto plans offer what they call nose-to-tail coverage for a broad range of accidents and illnesses, ranging from the most common to the most costly. With Toto, your pet is covered for conditions such as allergies and digestive issues, as well as for expensive and/or advanced treatments including cancer care, MRIs, hospitalization and surgery. Plus, Toto goes one step further by including coverage for exam fees, alternative therapies (like acupuncture or chiropractic), hereditary conditions, and final respects—items not standard in many other plans or that other companies may charge extra for or exclude. This is another example of how Toto is setting themselves apart as a forward-thinking, compassionate partner in caring for your pet.

As mentioned previously, Toto accident and illness plans are available for all breeds of dogs and cats that reside in most U.S. states. At the time of enrollment, pets must be less than nine years of age; there is no minimum age requirement to enroll. For pets nine and older at the time of enrollment, or with a qualifying medical condition, Toto offers an accident-only plan.

There is no maximum age limit for the accident-only plan. Toto stands out by offering some of the shortest waiting periods in the industry. Following enrollment, there is a two-day waiting period for accidents, a 14-day waiting period for illnesses, and a 30-day waiting period for inherited or congenital conditions, alternative therapies and behavioral problems. Additional waiting periods may apply for other specified illnesses and injuries; visit totopetinsurance.com for more details.

When choosing a pet insurance provider, the coverage can vary significantly from one provider to another, so it’s worth considering what’s covered and what’s not when choosing a plan. While Toto offers great coverage for one complete price, there are some coverage exclusions—as there are with all brands of pet insurance—and based on our research, no pet insurance plan on the market today covers pre-existing conditions. The following items are not covered in your Toto plan:

Toto makes it easy and convenient for pet owners to access their plan benefits and receive reimbursement for claims. They offer a 24/7 Toto Customer Portal to view your policy, submit a claim, track claim status and more. A mobile option is also available to upload a claim or check claim status from your phone. For reimbursement of covered services, visit any licensed vet, submit a claim (electronically, by mobile phone, mail or fax), and receive your reimbursement by ACH or check. Claims are processed quickly, often within 3-4 business days. Customer support is always available with a click, call or email.

Toto Pet Insurance policies are issued and underwritten by Independence American Insurance Company, a Delaware insurance company rated A- (Excellent) by AM Best (2020). Plans are administered by PetPartners, Inc., Raleigh, North Carolina. Plans and coverage vary by state. Eligibility requirements and exclusions and limitations apply. Refer to totopetinsurance.com/sample-policies for details.