Toto Pet Insurance Review 2022

benefits explained

  • Up to 90% reimbursement for covered treatments: The Reimbursement Rate is the percentage Toto will pay for Covered Treatments after your deductible is met. You can choose a refund amount of up to 90%.
  • Strong third-party reviews: The insurance company that underwrites Toto policies, Independence American Insurance Company, received an AM Best rating of A- (Excellent).
  • Rewards start at $1 per day: Premium rates may vary based on a variety of factors, but start at as little as $1 per day.

Disadvantages explained

  • No unlimited annual insurance option: While you can choose your annual coverage limit, it is set at $15,000. There is no lifetime limit.
  • Health insurance coverage is age dependent: Accident and illness cover is only valid for dogs and cats up to nine years of age (at the time of registration).
  • 180-day withdrawal period for disc disease and CCL injuries: Intervertebral disc disease (IVDD) and cruciate ligament (knee) injuries have a long waiting time of 180 days.


Toto’s pet insurance plans offer up to 90% reimbursement, and their policies have flexible deductibles and annual claim limits.

company overview

Toto, along with its transportation partner, Independence American Insurance Company (IAIC), a Delaware insurance company, has filed over 575,000 pet insurance claims and issued over 200,000 policies. They allow you to handpick your annual limits to ensure you get the coverage you need at the prices you are looking for. Coverage is available for both dogs and cats, and if you have more than one pet insured, you may qualify for a discount.

Toto pet insurance plans are available in all 50 states and Washington DC

Available Plans

Toto’s two-base plans – accident and illness and accident only – are available to dogs from eight weeks of age and cats from ten weeks of age. The maximum age limit for accident and medical insurance is nine years (at the time of enrollment), but the accident-only plan has no age limit. All breeds can be covered by Toto.

The basic policy covers some situations that are not always covered by pet insurance, such as: All plans include alternative, behavioral, and holistic treatments such as chiropractic, acupuncture, herbal supplements, and vitamins. You can also cover the exam fees for your sick or injured pet, whether you visit your regular veterinarian, a specialty clinic, an emergency room, a veterinary university, or use telemedicine.

Covered treatment accident/illness Accident only wellbeing
Examination/Office Fees
Diagnostics/Tests ✓ (in some cases) ✓ (in some cases)
Final respects
Heartworm/Flea/Tick Prevention
cancer treatments
Rehabilitative/alternative therapy
Prescription drugs
Dietary Supplements/Vitamins

Toto’s plans can cover a nice range of accidents, illnesses and preventive measures, but it might not be exactly what you’re looking for. Check out our picks of the best pet insurance companies to find what you need.

Available drivers/add-ons

An insurance tab (also called an add-on) allows you to add additional coverage to a basic policy. Toto offers two wellness add-ons that cover:

  • teeth cleaning
  • Heartworm/Flea/Tick Prevention
  • deworming
  • vaccinations
  • spay/neuter
  • Rabies Vaccine
  • microchips

The reimbursement of the services of the wellness rider takes place without deductible or co-insurance.

waiting times

Like many insurance companies, Toto has waiting periods that indicate how many days must elapse after the policy’s effective date before coverage actually begins. Here are Toto’s waiting times:

  • Accidents: 2 days
  • Diseases: 14 days
  • Alternative Therapies and Behavior Problems: 30 days
  • Cruciate ligament injuries and IVDD: 180 days

If you decide to increase your coverage at any time, the waiting times may apply again. After an annual extension, however, there are no waiting times as long as you do not calculate any gaps in coverage.

Cancellation policy

You can cancel your Toto pet insurance policy at any time by calling (888) TOTOPET.

If you are not satisfied with the service, you can get a 100% premium refund if you cancel within the first 30 days and no claims have been made.

plan exclusions

Toto pet insurance plans do not cover the following:

  • preconditions
  • Expression of the anal gland
  • breed
  • voting procedure
  • Experimental Treatments
  • grooming/nail care
  • parasites


Toto defines pre-existing medical conditions as illnesses or injuries that occurred or existed prior to the effective date of the policy and during the waiting periods. Renewing your annual policy will not cause an approved medical condition to be considered pre-existing unless you have had a gap in your coverage.

plan prices

Toto pet insurance plans start at just $1 per day, but note that premiums vary based on several different factors, such as the type, breed, and age of your pet and where you live. The accident-only and accident/sickness plans come in three tiers, allowing you to choose your deductible ($100, $250, or $500), reimbursement percentage (70%, 80%, or 90%), and annual coverage limit ($2,500 ) can choose , $7,500 or $15,000).

There is only one policy discount: If you insure more than one pet, you will receive a 5% discount for each pet. Paying annually instead of monthly can also save you up to $36 in monthly installment fees.


To make a claim, all you have to do is log into Toto’s customer portal. Then you can upload the vet bill and submit the claim form. You must submit your claim within 180 days of the treatment date. Your claim will be refunded by ACH deposit into your bank account or by check. It is also possible to make a claim by telephone, email, fax or post.

Applications are typically processed and reimbursed within three to four business days, provided Toto receives all necessary medical information from your veterinarian.

Customer service

You can reach Toto Customer Support by email ([email protected] or [email protected]) or by phone.

  • 1-888-TOTOPET
  • 1-919-741-6363

Phone support is available at the following times:

  • Monday to Friday: 8:30am to 8:00pm (EST)
  • Saturday: 10:00 a.m. to 3:00 p.m. (EST)

Third Party Reviews

Toto has received no customer complaints through the Consumer Financial Protection Bureau.

Toto’s insurance policies are underwritten by Independence American Insurance Company, a Delaware insurance company rated A- (excellent) by AM Best. This financial strength rating indicates how financially stable an insurance company is and how likely it is to pay out claims; In this case, IAIC is considered very stable and reliable.

Alternate Choices

The best pet insurance for you depends on your budget, risk tolerance, and your pet’s unique needs. That being said, when researching your pet insurance options, you should ask the following questions to get an idea of ​​which pet insurance provider and plan is right for you.

  • Does the company have multiple plan options?
  • What are the annual and lifetime coverage limits?
  • What is the monthly premium?
  • What is the deductible?
  • What are the reimbursement and claim limits?
  • What treatments are covered by each plan type?
  • Does the company offer a standalone wellness plan or a wellness driver option?
  • What are the minimum and maximum age limits?


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Annual Deductible Options $100, $250, $500 $50 to $1,000 $100, $250, $500, $750
refund percentage 70%, 80%, 90% 70%, 80%, 90% 60%, 70%, 80%, 90%
Average processing time for claims 3-4 days 12-17 days 12-18 days
Waiting time in case of illness 14 days 14 days 14 days
Waiting time for injuries 2 days 3 days 2 days
exam coverage Yes Add on Add on
Dental insurance coverage no Yes no
Maximum age limit for registration none none 14 years

Final Verdict

While prices can vary based on a variety of factors, overall Toto pet insurance offers affordable plans that start at just $1 a day. You can take out Accident, Accident and Health and Wellness insurance through Todo, which can give you pretty solid coverage for your pet. While some companies don’t allow pets of a certain age at all, Toto’s accident-only plan doesn’t have a maximum age limit, which might give older pet owners some level of reassurance.

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Our methodology: How we review pet insurance carriers

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of pet insurance companies. We evaluated 25 providers and collected over 2,000 data points, including information on plan options, company features, and fees and limits, to ensure our reviews help users make informed decisions about their pet insurance needs.

Our full pet insurance methodology, including our data collection process and weighted data points, is available for review.