Compare Toto Pet Insurance

Comparison Fact Sheet
Updated 9/4/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.

***PLEASE NOTE***
Toto Pet Insurance is not taking new applications at this time.
It is unclear if and when they will take new applications again. It is also unclear what will happen for existing policy holders.



Company Info
Company Name Toto Pet Insurance
Also Known As / Affiliates / Partners  
Address 2801 E Camelback Rd Suite 200-58
Phoenix, AZ 85016
Phone 1-888-868-6738
Website www.totopetinsurance.com
Plans That Provide Both Accident and Illness Coverage Toto Accident and Illness Plan *
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Independence American Insurance Company.

Independence American Insurance Company has an AM Best Financial Strength Rating of "A-" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started 2018

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Dogs: At least 8 weeks
Cats: At least 8 weeks

Pets 9 years of age and older at time of enrollment are only eligible for their accident-only coverage.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illnesses.

2 days for accidents.

30 days for Alternative Therapy and Behavioral Conditions

At the time of this writing, the home page states there is a 365 day waiting period for hereditary conditions, but it says 30 days in sample policy and in FAQ section of the website.

The home page also states a 180 day waiting period for all orthopedic issues, whereas the sample policy & FAQ section of the website states 180 days for cruciate and IVDD only.

**Waiting Periods can vary by state. See actual policy or contact Toto to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury Cruciate Ligament related conditions have a 180 day waiting period.

**Waiting Periods can vary by state. See actual policy or contact Toto to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, its territories and possessions, and Canada.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Toto Pet Insurance for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? Not Clear
Choice of Vet? You may visit any licensed veterinarian in the US, its territories and possessions, and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

**May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Toto for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.

Veterinary exam fee is not covered unless you purchase their addon.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.

Veterinary exam fee is not covered unless you purchase their addon.
Behavioral Therapy Coverage Not Clear

At the time of this writing, Toto's FAQ page states Behavioral Therapy is covered under base policy, whereas the sample policies state that a optional addon is necessary.

Either way, there appears to be a there is a 30 day waiting period before coverage can begin. (This may vary by state)
Alternative Therapy Coverage Not Clear

At the time of this writing, Toto's FAQ page states Alternative Therapy is covered under base policy, whereas the Sample policies state that a optional addon is necessary.

Either way, there appears to be a there is a 30 day waiting period before coverage can begin. (This may vary by state)
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However in some states, some conditions may be considered curable. If your pet doesn't show signs for these conditions for at least 365 days, they may cover it.

According to their sample policy on their website, pre-existing conditions are "...any Illness or Injury which occurred, reoccurred, existed or showed Symptoms, whether or not diagnosed by a Veterinarian, prior to the Pet Original Start Date, Coverage Period or during the Waiting Period."

**See actual policy or contact the company for a complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage Not Clear

At the time of this writing, the home page states there is a 365 day waiting period for hereditary conditions, but it says 30 days in sample policy and in FAQ section of the website.

In the sample policy it also states that Congenital and Hereditary coverage is an Add On. Whereas the website states it is included in the Base Policy.
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

There is a waiting period for chronic conditions that they deem are hereditary/congenital. Based on information on their website, this includes but is not limited to: heart disease, diabetes and arthritis. These diseases can be hereditary/congenital in origin but there can be other causes of origin as well. For example: arthritis can also be caused by infection of the joint or trauma to the joint. (See 'Hereditary and Congenital Conditions Policy" above.)

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below)
Hip Dysplasia Not Clear

See 'Hereditary and Congenital Conditions Policy" above.
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Toto for full list of inclusions and exclusions
Pregnancy Coverage [NO]
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Routine/Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Only provides coverage for extractions for broken permanent teeth due to an accident.

Based on their sample policy they do not cover any other conditions related to dental illness or injury.

**See actual policy or contact the company for full list of inclusions and exclusions.
Bilateral Conditions Policy If a bilateral condition happens on one side before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.

The way it is written in their policy it appears this applies to all bilateral conditions (e.g. eye problems, ear problems, knee problems, hip problems, etc)

**Contact the company for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)

It is not clear at the time of this writing whether Behavioral Therapy, Hereditary/Congenital coverage, and Alternative Therapy are part of the base policy or are optional add-ons.

**See actual policy or contact Toto for full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Conditions that occur during the waiting period
  • Boarding, grooming and grooming supplies
  • Breeding/Pregnancy
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $250, $500, $750
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined In the sample policy it states that reimbursements are based on UCR (reasonable and customary).
Their definition of Reasonable and Customary charges: "Reasonable and Customary Charges means typical fees or the cost that Veterinarians charge in Your geographic area based on available veterinary fee information and proprietary data."

Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
Max Payout Annually Choose from $5,000, $10,000, $20,000, Unlimited
Max Lifetime Payout This plan does not have a maximum lifetime payout
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $24.00 - $175.00 depending your location, options you select, etc.

 

Additional Info
My Review Toto Review
What are Customers Saying? Yelp.com

Also check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Toto pet insurance policies that cover illness and accidents. If you are interested in their accident only plan, please contact the company for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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